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Dillonvale Ohio Cooperative

Dillonvale, OH · Charter 552

NCUA · 1 branch

Q1 2023

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 2023, the quarter ended March 31, 2023, 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

Dillonvale Ohio Cooperative

Dillonvale, OH · Charter 552

NCUA · 1 branch

Q1 2023

$1.6MAssets
$309KLoans
$1.3MShares
$252KNet 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 -2.20%, down 154 bps year over year; NIM at 1.86%.
  • Asset quality: problem loans at 3.77% of loans (+233 bps YoY).
  • Capital: net worth / assets of 15.89%, up 11 bps from a year ago.
  • Funding: loans stand at 23.21% of shares as of Q1 2023.

Financial Results

Return on Assets (YTD, annualized)

-2.20%-154 bps YoY

Net Interest Margin (YTD, annualized)

1.86%-43 bps YoY

Efficiency Ratio (YTD, annualized)

213%+8,524 bps YoY

Net Worth / Assets

15.89%+11 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2022Q2 2022Q3 2022Q4 2022Q1 2023YoY ΔTrend
Earnings
Return on Assets-0.66%2.26%0.86%0.54%-2.20%-154 bps
Return on Equity-4.16%13.33%5.28%3.44%-13.82%-966 bps
Net Interest Margin2.28%2.11%2.04%2.09%1.86%-43 bps
Efficiency Ratio127.34%139.86%156.77%143.92%213%+8,524 bps
Growth
Asset Growth (YoY)35.61%26.49%24.43%23.89%0.45%-3,517 bps
Loan Growth (YoY)-24.58%-27.59%-26.07%-16.55%-19.41%+516 bps
Share Growth (YoY)47.33%32.09%29.82%28.58%0.36%-4,697 bps
Asset Quality
Delinquent Loans / Loans1.43%1.55%0.00%2.27%3.77%+233 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans9.13%2.84%1.35%1.36%1.48%-765 bps
Capital
Risk-Based Capital15.78%16.93%16.37%15.68%15.89%+11 bps
Net Worth / Assets15.78%16.93%16.37%15.68%15.89%+11 bps
Liquidity & Funding
Loans / Shares28.91%26.76%25.37%23.95%23.21%-570 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps