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Dallas Telco

Dallas, TX · Charter 2073

NCUA · 3 branches

Q3 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: Q3 2020, the quarter ended September 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

Dallas Telco

Dallas, TX · Charter 2073

NCUA · 3 branches

Q3 2020

$143.5MAssets
$96.9MLoans
$130.7MShares
$10.7MNet 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 0.10%, down 30 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 0.33% of loans (-17 bps YoY).
  • Capital: net worth / assets of 7.43%, down 86 bps from a year ago.
  • Funding: loans stand at 74.17% of shares as of Q3 2020.

Financial Results

Return on Assets (YTD, annualized)

0.10%-30 bps YoY

Net Interest Margin (YTD, annualized)

3.17%-86 bps YoY

Efficiency Ratio (YTD, annualized)

90.91%+650 bps YoY

Net Worth / Assets

7.43%-86 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2019Q4 2019Q1 2020Q2 2020Q3 2020YoY ΔTrend
Earnings
Return on Assets0.40%0.34%-0.15%-0.09%0.10%-30 bps
Return on Equity4.88%4.10%-1.90%-1.20%1.38%-350 bps
Net Interest Margin4.03%4.04%3.63%3.27%3.17%-86 bps
Efficiency Ratio84.41%85.31%89.70%93.76%90.91%+650 bps
Growth
Asset Growth (YoY)0.78%1.27%2.18%11.38%13.23%+1,245 bps
Loan Growth (YoY)-7.06%-8.63%-9.19%-6.52%-1.98%+508 bps
Share Growth (YoY)0.64%0.84%2.66%12.33%13.32%+1,268 bps
Asset Quality
Delinquent Loans / Loans0.50%0.59%0.58%0.35%0.33%-17 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.42%0.52%0.59%0.56%0.52%+10 bps
Capital
Risk-Based Capital8.29%8.40%8.02%7.47%7.43%-86 bps
Net Worth / Assets8.29%8.40%8.02%7.47%7.43%-86 bps
Liquidity & Funding
Loans / Shares85.75%84.29%78.61%74.19%74.17%-1,158 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps