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Diamond State Telco

New Castle, DE · Charter 11148

Q1 2009

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2009, the quarter ended March 31, 2009, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Diamond State Telco

New Castle, DE · Charter 11148

Q1 2009

$9.1MAssets
$6.2MLoans
$7.6MShares
$1.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -5.37%, up 222 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 4.07% of loans (+186 bps YoY).
  • Capital: net worth / assets of 16.30%, down 152 bps from a year ago.
  • Funding: loans stand at 81.94% of shares as of Q1 2009.

Financial Results

Return on Assets (YTD, annualized)

-5.37%+222 bps YoY

Net Interest Margin (YTD, annualized)

4.07%-232 bps YoY

Efficiency Ratio (YTD, annualized)

161.68%+5,851 bps YoY

Net Worth / Assets

16.30%-152 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2008Q2 2008Q3 2008Q4 2008Q1 2009YoY ΔTrend
Earnings
Return on Assets-7.59%-4.36%-3.97%-3.54%-5.37%+222 bps
Return on Equity-42.62%-24.86%-22.35%-19.67%-32.94%+967 bps
Net Interest Margin6.39%5.68%4.43%4.26%4.07%-232 bps
Efficiency Ratio103.18%109.21%119.72%122.32%161.68%+5,851 bps
Growth
Asset Growth (YoY)-16.62%-14.48%-10.17%-8.48%-6.61%+1,002 bps
Loan Growth (YoY)-14.12%-16.87%-18.69%-19.05%-17.04%-292 bps
Share Growth (YoY)-17.12%-14.57%-8.62%-6.63%-4.95%+1,217 bps
Asset Quality
Delinquent Loans / Loans2.21%3.35%2.27%1.77%4.07%+186 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.34%2.47%2.36%1.53%1.84%-50 bps
Capital
Risk-Based Capital17.82%17.54%17.75%17.98%16.30%-152 bps
Net Worth / Assets17.82%17.54%17.75%17.98%16.30%-152 bps
Liquidity & Funding
Loans / Shares93.87%88.97%89.63%89.03%81.94%-1,193 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps