Civic Intelligence

Dubuque Postal Employees Credit Union

EIN 42-0846984 • 501(c)14 • Dubuque, IA

Profile

To serve our members with both savings and loan products. To create a source of credit at a fair and reasonable rate of interest, encourage thrift among our members and provide the opportunity for our members to use and control their savings to their benefit.

1155 Loras BlvdDubuque, IA 52001

www.dpecu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

68th percentile

0.85x

Higher debt load relative to assets than 68% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2025

Liabilities / Revenue

86th percentile

20.44x

Higher debt load relative to revenue than 86% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2025

Net Margin

78th percentile

13%

Higher net margin than 78% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2025

Top Officer Pay

27th percentile

$16,500

Higher top officer pay than 27% of similar nonprofits.

Top officer pay equals 9.0% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2025

Asset Growth

91st percentile

4.1%

Faster asset growth than 91% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Revenue Growth

75th percentile

6.8%

Faster revenue growth than 75% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets68th percentile

Assets

Up

$4,394,819

Up $173,293 (+4.1%) from 2024

Liabilities

Up

$3,750,569

Up $150,233 (+4.2%) from 2024

Net Assets

Up

$644,250

Up $23,060 (+3.7%) from 2024

Operations
Liabilities / Revenue86th percentileNet Margin78th percentile

Revenue

Up

$183,452

Up $11,606 (+6.8%) from 2024

Expenses

Up

$160,392

Up $5,208 (+3.4%) from 2024

Net Income

Up

$23,060

Up $6,398 (+38%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth91st percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$6.0M$4.0M$2.0M$0Assets 2012: $4,662,368Liabilities 2012: $4,220,220Net Assets 2012: $442,1482012Assets 2013: $4,455,327Liabilities 2013: $3,997,261Net Assets 2013: $458,0662013Assets 2014: $4,396,117Liabilities 2014: $3,927,155Net Assets 2014: $468,9622014Assets 2015: $4,312,748Liabilities 2015: $3,821,006Net Assets 2015: $491,7422015Assets 2016: $4,236,289Liabilities 2016: $3,731,742Net Assets 2016: $504,5472016Assets 2017: $4,512,130Liabilities 2017: $3,997,463Net Assets 2017: $514,6672017Assets 2018: $4,615,981Liabilities 2018: $4,086,154Net Assets 2018: $529,8272018Assets 2019: $4,569,173Liabilities 2019: $4,040,402Net Assets 2019: $528,7712019Assets 2020: $5,258,664Liabilities 2020: $4,712,515Net Assets 2020: $546,1492020Assets 2021: $5,566,198Liabilities 2021: $5,006,074Net Assets 2021: $560,1242021Assets 2022: $5,230,606Liabilities 2022: $4,644,371Net Assets 2022: $586,2352022Assets 2023: $4,337,624Liabilities 2023: $3,733,096Net Assets 2023: $604,5282023Assets 2024: $4,221,526Liabilities 2024: $3,600,336Net Assets 2024: $621,1902024Assets 2025: $4,394,819Liabilities 2025: $3,750,569Net Assets 2025: $644,2502025

Highlighted filing

2025

Assets$4,394,819
Liabilities$3,750,569
Net Assets$644,250
Open 2025 Filing

Operations Trend

Revenue Growth75th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$200K$150K$100K$50K$0-$50KExpenses 2012: $116,9812012Revenue 2013: $116,690Expenses 2013: $100,772Net Income 2013: $15,9182013Revenue 2014: $98,114Expenses 2014: $87,218Net Income 2014: $10,8962014Revenue 2015: $106,093Expenses 2015: $83,313Net Income 2015: $22,7802015Revenue 2016: $97,165Expenses 2016: $92,177Net Income 2016: $4,9882016Revenue 2017: $105,482Expenses 2017: $95,409Net Income 2017: $10,0732017Revenue 2018: $126,731Expenses 2018: $111,571Net Income 2018: $15,1602018Revenue 2019: $132,762Expenses 2019: $133,818Net Income 2019: -$1,0562019Revenue 2020: $129,719Expenses 2020: $112,381Net Income 2020: $17,3382020Revenue 2021: $116,250Expenses 2021: $102,283Net Income 2021: $13,9672021Revenue 2022: $132,749Expenses 2022: $112,482Net Income 2022: $20,2672022Revenue 2023: $145,343Expenses 2023: $130,456Net Income 2023: $14,8872023Revenue 2024: $171,846Expenses 2024: $155,184Net Income 2024: $16,6622024Revenue 2025: $183,452Expenses 2025: $160,392Net Income 2025: $23,0602025

Highlighted filing

2025

Revenue$183,452
Expenses$160,392
Net Income$23,060
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$4,394,819
Liabilities
$3,750,569
Net assets
$644,250
Revenue
$183,452
Expenses
$160,392
Net income
$23,060
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$4.39$3.75$0.64$0.18$0.16$0.02
2024Detailed filing. Detailed filing data is available for this year.$4.22$3.60$0.62$0.17$0.16$0.02
2023Detailed filing. Detailed filing data is available for this year.$4.34$3.73$0.60$0.15$0.13$0.01
2022Detailed filing. Detailed filing data is available for this year.$5.23$4.64$0.59$0.13$0.11$0.02
2021Detailed filing. Detailed filing data is available for this year.$5.57$5.01$0.56$0.12$0.10$0.01
2020Detailed filing. Detailed filing data is available for this year.$5.26$4.71$0.55$0.13$0.11$0.02
2019Detailed filing. Detailed filing data is available for this year.$4.57$4.04$0.53$0.13$0.13$0.00
2018Detailed filing. Detailed filing data is available for this year.$4.62$4.09$0.53$0.13$0.11$0.02
2017Detailed filing. Detailed filing data is available for this year.$4.51$4.00$0.51$0.11$0.10$0.01
2016Detailed filing. Detailed filing data is available for this year.$4.24$3.73$0.50$0.10$0.09$0.00
2015Detailed filing. Detailed filing data is available for this year.$4.31$3.82$0.49$0.11$0.08$0.02
2014Detailed filing. Detailed filing data is available for this year.$4.40$3.93$0.47$0.10$0.09$0.01
2013Detailed filing. Detailed filing data is available for this year.$4.46$4.00$0.46$0.12$0.10$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.66$4.22$0.44$0.12
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 18, 2026
Return Version
2025v4.0
Gross Receipts
$183,452
Mission and Program Overview

Mission

To serve our members with both savings and loan products. To create a source of credit at a fair and reasonable rate of interest, encourage thrift among our members and provide the opportunity for our members to use and control their savings to their benefit.

To serve our members with both savings and loan products, create a source of credit at a fair and reasonable rate of interest, encourage thrift among our members and provide the opportunity for our members to use and control their savings for our mutual benefit.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$1,046,909$2,267,013▲ $1,220,104
Other Notes and Loans Receivable, Net$1,232,628$1,348,195▲ $115,567
Investments Program Related$1,839,569$679,692▼ $1,159,877
Rtn Earn Endowment Incm Other Fnds$621,190$644,250▲ $23,060
Land, Buildings, and Equipment, Net$65,188$63,988▼ $1,200
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$4,221,526$4,394,819▲ $173,293
Other Assets Total$37,232$35,931▼ $1,301
Liabilities
Other Liabilities$3,593,111$3,739,671▲ $146,560
Accounts Payable and Accrued Expenses$7,225$10,898▲ $3,673
Total Liabilities$3,600,336$3,750,569▲ $150,233
Net Assets / Fund Balance
Total Net Assets Fund Balance$621,190$644,250▲ $23,060
Total Liabilities and Net Assets / Fund Balance$4,221,526$4,394,819▲ $173,293

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$23,988$28,500$52,488
Land$40,000-$40,000
Investment Program Related Org$679,692--
Other Land Buildings$0$0$0
Equipment$0$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay27th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Timothy LudwigPresidentPT$16,500$16,500
Raymond PreglerChair of the BoardPT$8,961$8,961

Board Members and Trustees

NameTitle
Marvin BuddeVice Chair of the Board
Bernadette MartinDirector
Jim DavisDirector
Tim PeppmeierDirector
Todd KelleherDirector
Tom KiernanDirector
William FryeSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$76,080
Investment Income
$107,325
Other Revenue
$47
All Other Contributions
$0
Change in Net Assets
$23,060
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$132,985
Salaries, Compensation, and Employee Benefits$27,407
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
All Other Expenses---$82,500
Current Officers, Directors, Trustees, and Key Employees---$25,460
Office Expenses---$17,962
Occupancy---$8,787
Advertising---$8,600
Conferences and Meetings---$8,503
Information Technology---$5,433
Payroll Taxes---$1,947
Depreciation Depletion---$1,200
Total Functional Expenses$0$0$0$160,392
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Accounts$3,739,671
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Form 990 Part VI Line 6 Classes of members or Stockholders The organization has members and to be a member one must have a share (savings account) at the credit union”

Form 990, Part VI, Section A, Line 7A

“Form 990 Part VI Line 7a Election of Members and Their Rights The Board of Directors is elected by the credit union members. Each member has one vote”

Form 990, Part VI, Section A, Line 7B

“Form 990 Part VI Line 7b Decisions Subject to Approval of Members A member vote is required for decisions which are beyond the authority of the Board of Directors. Items which require a membership vote are outlined and specified in our bylaws. Each member has one vote”

Form 990, Part VI, Section B, Line 11B

“Form 990 Part VI Line 11b Organization's Process to Review Form 990 Management provides data to an independent tax preparer who prepares the 990. Management reviews the return for accuracy, then authorizes preparer to file the approved return. Management reviews the return with the Directors at the next Board meeting.”

Form 990, Part VI, Section B, Line 15

“Form 990 Part VI Line 15a Compensation Process for Top Official The Board of Directors reviews and determines the compensation for the President. This is approved by the Board of directors and noted in the Board minutes”

Form 990, Part VI, Section C, Line 19

“Form 990 Part VI Line 19 Governing Documents Disclosure Explanation Governing documents and financial statements are made available to all members upon request”

Filing and Contact Details

Filer

Filer Name
Dubuque Postal Employees Credit Union
EIN
42-0846984
Phone
5635829515
Address
1155 Loras Blvd, Dubuque, IA 52001

Signing Officer

Name
Timothy Ludwig
Title
President
Phone
5635906903
Signed
2026-02-18
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Timothy Ludwig
Formed
1927
Legal Domicile
Ia
Voting Board Members
9
Independent Board Members
7
Employees
2
Volunteers
9

Preparer

Firm
Dubuque Postal Employees Credit Union
Address
1155 Loras Blvd, Dubuque, IA 52001
Preparer
Kevin Botsford
Phone
5632582825
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“Form 990 Part IX Line 24e - Dividend Expense”

Raw XML AppendixShowing 400 of 405 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/DepreciationDepletionGrp/TotalAmt01200
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IRS990/Form990PartVIISectionAGrp/PersonNm1Raymond Pregler
IRS990/Form990PartVIISectionAGrp/PersonNm2Bernadette Martin
IRS990/Form990PartVIISectionAGrp/PersonNm3Marvin Budde
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IRS990/Form990PartVIISectionAGrp/PersonNm6William Frye
IRS990/Form990PartVIISectionAGrp/PersonNm7Tim Peppmeier
IRS990/Form990PartVIISectionAGrp/PersonNm8Jim Davis
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IRS990/Form990PartVIISectionAGrp/TitleTxt0President
IRS990/Form990PartVIISectionAGrp/TitleTxt1Chair of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Vice Chair of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
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IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0To serve our members with both savings and loan products. To create a source of credit at a fair and reasonable rate of interest, encourage thrift among our members and provide the opportunity for our members to use and control their savings to their benefit.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/NetAssetsOrFundBalancesEOYAmt0644250
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IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt08787
IRS990/OfficeExpensesGrp/TotalAmt017962
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IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt037232
IRS990/OtherAssetsTotalGrp/EOYAmt035931
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IRS990/OtherRevenueTotalAmt00
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IRS990/OthNotesLoansReceivableNetGrp/BOYAmt01232628
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01348195
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt01947
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0Timothy Ludwig
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
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IRS990/ProgSrvcAccomActy2Grp/Desc0The credit union has several types of loan programs available for our members. We funded 40 new loans in 2025 and as of 12/31/2025 had a total of 115 active loans to members.
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0644250
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IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt052488
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE ACCOUNTS
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Form 990 Part VI Line 6 Classes of members or Stockholders The organization has members and to be a member one must have a share (savings account) at the credit union
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Form 990 Part VI Line 7a Election of Members and Their Rights The Board of Directors is elected by the credit union members. Each member has one vote
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Form 990 Part VI Line 7b Decisions Subject to Approval of Members A member vote is required for decisions which are beyond the authority of the Board of Directors. Items which require a membership vote are outlined and specified in our bylaws. Each member has one vote
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Form 990 Part VI Line 11b Organization's Process to Review Form 990 Management provides data to an independent tax preparer who prepares the 990. Management reviews the return for accuracy, then authorizes preparer to file the approved return. Management reviews the return with the Directors at the next Board meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Form 990 Part VI Line 15a Compensation Process for Top Official The Board of Directors reviews and determines the compensation for the President. This is approved by the Board of directors and noted in the Board minutes
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Form 990 Part VI Line 19 Governing Documents Disclosure Explanation Governing documents and financial statements are made available to all members upon request
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Form 990 Part IX Line 24e - Dividend Expense
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part IX, Line 24e
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IRS990/TaxExemptBondsInd00
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IRS990/TotalFunctionalExpensesGrp/TotalAmt0160392
IRS990/TotalGrossUBIAmt00
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IRS990/TotalLiabilitiesEOYAmt03750569
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IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0621190
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IRS990/TotalVolunteersCnt09
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IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
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IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03023 Arbor Hills Dr
IRS990/USAddress/CityNm0Dubuque
IRS990/USAddress/StateAbbreviationCd0IA
IRS990/USAddress/ZIPCd052001
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.dpecu.com
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Timothy Ludwig
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum05635906903
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-02-18
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Dubuque Postal Employees Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0DUBU
ReturnHeader/Filer/EIN0420846984
ReturnHeader/Filer/PhoneNum05635829515
ReturnHeader/Filer/USAddress/AddressLine1Txt01155 Loras Blvd
ReturnHeader/Filer/USAddress/CityNm0Dubuque
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IA
ReturnHeader/Filer/USAddress/ZIPCd052001
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Dubuque Postal Employees Credit Union
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01155 Loras Blvd
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Dubuque
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd052001
ReturnHeader/PreparerPersonGrp/PhoneNum05632582825
ReturnHeader/PreparerPersonGrp/PreparationDt02026-02-18
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Kevin Botsford

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