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Dal-Gold

The Dalles, OR · Charter 21913

Q1 2003

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 2003, the quarter ended March 31, 2003, 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

Dal-Gold

The Dalles, OR · Charter 21913

Q1 2003

$2.1MAssets
$1.3MLoans
$2.1MShares
$28KNet 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 -13.14%, down 1,195 bps year over year; NIM at 5.23%.
  • Asset quality: problem loans at 4.14% of loans (-82 bps YoY).
  • Capital: net worth / assets of 1.32%, down 526 bps from a year ago.
  • Funding: loans stand at 64.28% of shares as of Q1 2003.

Financial Results

Return on Assets (YTD, annualized)

-13.14%-1,195 bps YoY

Net Interest Margin (YTD, annualized)

5.23%+37 bps YoY

Efficiency Ratio (YTD, annualized)

146.40%+4,539 bps YoY

Net Worth / Assets

1.32%-526 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2001Q2 2002Q3 2002Q4 2002Q1 2003YoY ΔTrend
Earnings
Return on Assets-1.19%0.13%0.23%-2.31%-13.14%-1,195 bps
Return on Equity-18.12%1.95%3.22%-50.10%-997%-97,855 bps
Net Interest Margin4.86%4.61%4.64%4.99%5.23%+37 bps
Efficiency Ratio101.00%104.70%100.93%106.23%146.40%+4,539 bps
Growth
Asset Growth (YoY)-9.08%-12.23%-16.38%-16.77%-20.83%-1,175 bps
Loan Growth (YoY)-13.00%-34.13%-31.94%-24.63%-16.28%-328 bps
Share Growth (YoY)-7.76%-9.74%-15.75%-14.02%-16.40%-864 bps
Asset Quality
Delinquent Loans / Loans4.96%4.27%6.01%7.21%4.14%-82 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.76%1.81%1.08%2.76%5.93%+417 bps
Capital
Risk-Based Capital6.58%6.76%7.18%4.60%1.32%-526 bps
Net Worth / Assets6.58%6.76%7.18%4.60%1.32%-526 bps
Liquidity & Funding
Loans / Shares64.19%52.02%58.31%64.63%64.28%+9 bps
Liquid Assets / Assets36.35%43.30%37.22%32.39%33.00%-335 bps