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Dugway

Dugway, UT · Charter 12841

NCUA · 2 branches

Q1 2018

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 2018, the quarter ended March 31, 2018, 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

Dugway

Dugway, UT · Charter 12841

NCUA · 2 branches

Q1 2018

$2.8MAssets
$1.7MLoans
$2.2MShares
$535KNet Worth

Executive Summary

  • Earnings: ROA of -32.56%, down 3,299 bps year over year; NIM at -6.61%.
  • Asset quality: problem loans at 4.22% of loans (+45 bps YoY).
  • Capital: net worth / assets of 19.37%, down 501 bps from a year ago.
  • Funding: loans stand at 75.11% of shares as of Q1 2018.

Return on Assets (YTD, annualized)

-32.56%-3,299 bps YoY

Net Interest Margin (YTD, annualized)

-6.61%-1,131 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

19.37%-501 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets0.39%0.32%0.14%0.43%0.20%0.14%-0.29%-32.56%-3,299 bps
Return on Equity1.64%1.39%0.56%1.75%0.81%0.55%-1.13%-168.08%-16,982 bps
Net Interest Margin4.76%4.80%4.95%4.70%4.45%4.45%4.64%-6.61%-1,131 bps
Efficiency Ratio93.37%94.28%94.35%94.62%94.11%95.85%102.05%n/an/a
Growth
Asset Growth (YoY)-7.45%-1.86%-7.02%-5.96%-0.76%-4.88%-7.39%-12.76%-680 bps
Loan Growth (YoY)2.32%6.44%7.39%7.20%-11.20%-18.40%-15.23%-22.55%-2,975 bps
Share Growth (YoY)-10.04%-2.99%-9.31%-7.90%-0.81%-6.12%-10.05%-6.55%+135 bps
Asset Quality
Delinquent Loans / Loans2.49%2.58%2.69%3.77%4.50%2.12%6.84%4.22%+45 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.74%0.74%1.10%1.12%1.20%1.28%1.33%0.03%-110 bps
Capital
Risk-Based Capital23.93%23.38%24.37%24.38%24.15%24.56%26.02%19.37%-501 bps
Net Worth / Assets23.93%23.38%24.37%24.38%24.15%24.56%26.02%19.37%-501 bps
Liquidity & Funding
Loans / Shares93.50%93.01%92.91%90.63%83.71%80.85%87.56%75.11%-1,552 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps