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Dakotas United Methodist

Rapid City, SD · Charter 18057

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

Dakotas United Methodist

Rapid City, SD · Charter 18057

NCUA · 1 branch

Q2 2020

$5.0MAssets
$3.5MLoans
$4.6MShares
$369KNet Worth

Executive Summary

  • Earnings: ROA of 0.24%, up 7 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.00% of loans (-2 bps YoY).
  • Capital: net worth / assets of 7.39%, down 40 bps from a year ago.
  • Funding: loans stand at 77.14% of shares as of Q2 2020.

Return on Assets (YTD, annualized)

0.24%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.37%-46 bps YoY

Efficiency Ratio (YTD, annualized)

94.68%-200 bps YoY

Net Worth / Assets

7.39%-40 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019Q4 2019Q1 2020Q2 2020YoY ΔTrend
Earnings
Return on Assets0.36%0.46%0.07%0.17%0.19%0.17%0.27%0.24%+7 bps
Return on Equity4.82%6.41%0.96%2.19%2.41%2.27%3.59%3.29%+110 bps
Net Interest Margin3.86%3.58%3.71%3.83%3.92%3.74%3.54%3.37%-46 bps
Efficiency Ratio93.28%91.10%98.18%96.68%96.58%96.57%93.91%94.68%-200 bps
Growth
Asset Growth (YoY)0.65%6.22%4.00%-3.32%-2.76%-5.78%3.06%7.34%+1,066 bps
Loan Growth (YoY)-0.32%-6.73%-7.60%-9.81%-9.57%-4.55%-1.55%-1.80%+801 bps
Share Growth (YoY)0.54%6.40%3.78%-2.92%-2.34%-5.24%4.58%7.84%+1,076 bps
Asset Quality
Delinquent Loans / Loans0.02%0.02%0.02%0.02%0.02%0.00%0.00%0.00%-2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.04%0.04%0.05%0.05%0.06%0.04%0.04%0.04%-1 bps
Capital
Risk-Based Capital7.50%7.19%7.48%7.79%8.00%7.64%7.40%7.39%-40 bps
Net Worth / Assets7.50%7.19%7.48%7.79%8.00%7.64%7.40%7.39%-40 bps
Liquidity & Funding
Loans / Shares92.47%81.75%84.64%84.72%85.62%82.35%79.68%77.14%-758 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps