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Delmar O C F

Coxsackie, NY · Charter 22532

NCUA · 1 branch

Q3 2018

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 2018, the quarter ended September 30, 2018, 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

Delmar O C F

Coxsackie, NY · Charter 22532

NCUA · 1 branch

Q3 2018

$685KAssets
$187KLoans
$613KShares
$73KNet 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 -5.26%, down 176 bps year over year; NIM at 1.97%.
  • Asset quality: problem loans at 0.39% of loans (-75 bps YoY).
  • Capital: net worth / assets of 10.60%, down 74 bps from a year ago.
  • Funding: loans stand at 30.50% of shares as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

-5.26%-176 bps YoY

Net Interest Margin (YTD, annualized)

1.97%+7 bps YoY

Efficiency Ratio (YTD, annualized)

298%+2,170 bps YoY

Net Worth / Assets

10.60%-74 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets-3.50%-3.71%-3.61%-5.58%-5.26%-176 bps
Return on Equity-30.87%-31.46%-28.75%-51.01%-49.60%-1,873 bps
Net Interest Margin1.90%2.14%1.63%1.77%1.97%+7 bps
Efficiency Ratio277%267%314%313%298%+2,170 bps
Growth
Asset Growth (YoY)-14.43%-20.21%-29.77%-25.93%-26.93%-1,250 bps
Loan Growth (YoY)-14.80%-20.55%-29.40%-21.14%-16.07%-127 bps
Share Growth (YoY)-13.04%-19.68%-30.43%-25.18%-26.32%-1,327 bps
Asset Quality
Delinquent Loans / Loans1.14%0.82%2.22%0.38%0.39%-75 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans6.49%4.32%5.52%1.94%3.20%-329 bps
Capital
Risk-Based Capital11.35%11.80%12.54%10.94%10.60%-74 bps
Net Worth / Assets11.35%11.80%12.54%10.94%10.60%-74 bps
Liquidity & Funding
Loans / Shares26.77%31.10%27.97%29.87%30.50%+372 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps