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Dallas Educators

Selma, AL · Charter 14171

Q1 2004

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 2004, the quarter ended March 31, 2004, 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

Dallas Educators

Selma, AL · Charter 14171

Q1 2004

$451KAssets
$448KLoans
$445KShares
$7KNet 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 -99.50%, down 11,000 bps year over year; NIM at 31.53%.
  • Asset quality: problem loans at 41.60% of loans (+3,691 bps YoY).
  • Capital: net worth / assets of 1.46%, down 1,680 bps from a year ago.
  • Funding: loans stand at 100.68% of shares as of Q1 2004.

Financial Results

Return on Assets (YTD, annualized)

-99.50%-11,000 bps YoY

Net Interest Margin (YTD, annualized)

31.53%+1,454 bps YoY

Efficiency Ratio (YTD, annualized)

32.31%-585 bps YoY

Net Worth / Assets

1.46%-1,680 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2003Q2 2003Q3 2003Q4 2003Q1 2004YoY ΔTrend
Earnings
Return on Assets10.50%13.47%12.91%8.20%-99.50%-11,000 bps
Return on Equity57.52%52.50%42.85%37.68%-6814%-687,196 bps
Net Interest Margin16.98%19.01%18.65%10.12%31.53%+1,454 bps
Efficiency Ratio38.16%29.15%30.81%19.12%32.31%-585 bps
Growth
Asset Growth (YoY)53.31%-21.62%-21.10%9.62%-16.52%-6,983 bps
Loan Growth (YoY)49.24%-11.26%1.37%21.70%-12.57%-6,181 bps
Share Growth (YoY)66.43%-42.19%-45.00%-3.71%11.64%-5,479 bps
Asset Quality
Delinquent Loans / Loans4.68%29.74%31.27%31.75%41.60%+3,691 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.91%1.13%1.16%0.86%31.50%+3,059 bps
Capital
Risk-Based Capital18.26%25.66%30.12%21.76%1.46%-1,680 bps
Net Worth / Assets18.26%25.66%30.12%21.76%1.46%-1,680 bps
Liquidity & Funding
Loans / Shares128.56%144.70%163.06%152.94%100.68%-2,788 bps
Liquid Assets / Assets2.64%4.24%1.78%0.00%28.49%+2,585 bps