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U-Del

Newark, DE · Charter 18947

Q1 2015

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 2015, the quarter ended March 31, 2015, 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

U-Del

Newark, DE · Charter 18947

Q1 2015

$15.7MAssets
$4.1MLoans
$13.6MShares
$2.1MNet 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 0.55%, up 35 bps year over year; NIM at 2.17%.
  • Asset quality: problem loans at 0.15% of loans (-53 bps YoY).
  • Capital: net worth / assets of 13.47%, up 106 bps from a year ago.
  • Funding: loans stand at 30.31% of shares as of Q1 2015.

Financial Results

Return on Assets (YTD, annualized)

0.55%+35 bps YoY

Net Interest Margin (YTD, annualized)

2.17%+42 bps YoY

Efficiency Ratio (YTD, annualized)

75.35%-1,056 bps YoY

Net Worth / Assets

13.47%+106 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets0.20%0.12%0.22%0.29%0.55%+35 bps
Return on Equity1.63%0.90%1.64%2.16%4.07%+244 bps
Net Interest Margin1.75%1.88%1.96%1.99%2.17%+42 bps
Efficiency Ratio85.91%88.36%85.33%86.15%75.35%-1,056 bps
Growth
Asset Growth (YoY)4.91%-1.22%-2.30%-0.41%-5.25%-1,016 bps
Loan Growth (YoY)-2.58%8.07%11.41%3.55%7.66%+1,024 bps
Share Growth (YoY)5.94%-1.21%-2.53%-0.83%-6.32%-1,226 bps
Asset Quality
Delinquent Loans / Loans0.68%0.24%0.49%0.76%0.15%-53 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.62%1.34%1.41%1.14%0.91%-70 bps
Capital
Risk-Based Capital12.41%13.02%13.28%13.26%13.47%+106 bps
Net Worth / Assets12.41%13.02%13.28%13.26%13.47%+106 bps
Liquidity & Funding
Loans / Shares26.37%30.05%30.97%29.95%30.31%+394 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps