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Danville City Employees

Danville, VA · Charter 5919

NCUA · 1 branch

Q3 2017

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 2017, the quarter ended September 30, 2017, 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

Danville City Employees

Danville, VA · Charter 5919

NCUA · 1 branch

Q3 2017

$24.3MAssets
$7.8MLoans
$19.1MShares
$5.1MNet Worth

Executive Summary

  • Earnings: ROA of -1.20%, down 109 bps year over year; NIM at 1.62%.
  • Asset quality: problem loans at 0.26% of loans (+21 bps YoY).
  • Capital: net worth / assets of 21.08%, down 32 bps from a year ago.
  • Funding: loans stand at 40.88% of shares as of Q3 2017.

Return on Assets (YTD, annualized)

-1.20%-109 bps YoY

Net Interest Margin (YTD, annualized)

1.62%-42 bps YoY

Efficiency Ratio (YTD, annualized)

164.90%+6,413 bps YoY

Net Worth / Assets

21.08%-32 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-0.10%-0.01%-0.25%-0.11%-0.01%-0.03%0.01%-1.20%-109 bps
Return on Equity-0.47%-0.07%-1.17%-0.51%-0.04%-0.14%0.06%-5.70%-519 bps
Net Interest Margin1.90%1.95%1.99%2.04%2.11%2.17%2.17%1.62%-42 bps
Efficiency Ratio102.91%100.64%104.98%100.77%100.94%101.21%100.86%164.90%+6,413 bps
Growth
Asset Growth (YoY)0.70%1.26%1.64%2.38%2.41%2.04%0.34%-2.29%-467 bps
Loan Growth (YoY)1.98%2.73%6.08%9.59%10.31%10.13%4.80%0.44%-915 bps
Share Growth (YoY)1.05%1.70%2.30%3.32%3.12%2.62%0.30%-2.03%-535 bps
Asset Quality
Delinquent Loans / Loans0.27%0.59%0.10%0.05%0.42%0.03%0.18%0.26%+21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.44%0.46%0.59%0.57%0.29%0.28%0.21%0.22%-35 bps
Capital
Risk-Based Capital22.22%21.75%21.64%21.40%21.69%21.31%21.69%21.08%-32 bps
Net Worth / Assets22.22%21.75%21.64%21.40%21.69%21.31%21.69%21.08%-32 bps
Liquidity & Funding
Loans / Shares38.54%36.82%39.01%39.88%41.23%39.52%40.76%40.88%+101 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps