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District 05 Dotd

Monroe, LA · Charter 14249

NCUA · 1 branch

Q2 2020

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: Q2 2020, the quarter ended June 30, 2020, 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

District 05 Dotd

Monroe, LA · Charter 14249

NCUA · 1 branch

Q2 2020

$7.4MAssets
$3.4MLoans
$6.0MShares
$1.4MNet 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 0.45%, up 206 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 1.59% of loans (+8 bps YoY).
  • Capital: net worth / assets of 19.17%, up 25 bps from a year ago.
  • Funding: loans stand at 57.40% of shares as of Q2 2020.

Financial Results

Return on Assets (YTD, annualized)

0.45%+206 bps YoY

Net Interest Margin (YTD, annualized)

3.03%-24 bps YoY

Efficiency Ratio (YTD, annualized)

107.47%-1,365 bps YoY

Net Worth / Assets

19.17%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2019Q3 2019Q4 2019Q1 2020Q2 2020YoY ΔTrend
Earnings
Return on Assets-1.60%-0.31%-0.22%0.98%0.45%+206 bps
Return on Equity-8.48%-1.61%-1.14%5.17%2.37%+1,085 bps
Net Interest Margin3.28%3.30%3.36%3.11%3.03%-24 bps
Efficiency Ratio121.12%104.20%102.87%111.63%107.47%-1,365 bps
Growth
Asset Growth (YoY)-3.69%-0.37%0.05%3.37%2.94%+663 bps
Loan Growth (YoY)6.46%1.68%4.75%0.27%-11.38%-1,784 bps
Share Growth (YoY)-2.93%0.30%0.45%3.42%2.65%+558 bps
Asset Quality
Delinquent Loans / Loans1.50%1.82%2.03%1.99%1.59%+8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.30%0.77%0.77%0.13%0.13%-117 bps
Capital
Risk-Based Capital18.92%19.16%19.60%19.01%19.17%+25 bps
Net Worth / Assets18.92%19.16%19.60%19.01%19.17%+25 bps
Liquidity & Funding
Loans / Shares66.49%64.65%65.14%59.47%57.40%-909 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps