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Day-Met

Dayton, OH · Charter 60885

NCUA · 2 branches

Q3 2016

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 2016, the quarter ended September 30, 2016, 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

Day-Met

Dayton, OH · Charter 60885

NCUA · 2 branches

Q3 2016

$90.5MAssets
$66.0MLoans
$78.6MShares
$9.0MNet Worth

Executive Summary

  • Earnings: ROA of -0.02%, up 4 bps year over year; NIM at 2.88%.
  • Asset quality: problem loans at 0.58% of loans (-27 bps YoY).
  • Capital: net worth / assets of 9.89%, down 95 bps from a year ago.
  • Funding: loans stand at 84.02% of shares as of Q3 2016.

Return on Assets (YTD, annualized)

-0.02%+4 bps YoY

Net Interest Margin (YTD, annualized)

2.88%-5 bps YoY

Efficiency Ratio (YTD, annualized)

97.30%+149 bps YoY

Net Worth / Assets

9.89%-95 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets0.09%0.01%-0.06%-0.05%0.01%0.05%0.05%-0.02%+4 bps
Return on Equity0.77%0.08%-0.54%-0.49%0.07%0.45%0.54%-0.16%+33 bps
Net Interest Margin2.88%2.77%2.91%2.93%2.87%2.72%2.81%2.88%-5 bps
Efficiency Ratio94.78%94.24%94.37%95.81%95.64%105.06%98.19%97.30%+149 bps
Growth
Asset Growth (YoY)-1.20%4.26%3.43%2.79%4.87%2.64%5.34%8.58%+578 bps
Loan Growth (YoY)6.00%6.65%7.81%6.00%6.87%7.96%16.99%28.19%+2,220 bps
Share Growth (YoY)-1.34%4.26%3.93%3.29%6.51%2.57%2.23%7.32%+403 bps
Asset Quality
Delinquent Loans / Loans0.99%1.18%0.80%0.85%0.69%0.87%0.54%0.58%-27 bps
Net Charge-Offs / Loansn/an/an/an/an/a0.65%n/an/an/an/a
Allowance / Loans0.90%0.94%0.95%0.97%0.92%0.60%0.44%0.37%-60 bps
Capital
Risk-Based Capital11.15%10.67%10.73%10.84%10.62%10.38%10.24%9.89%-95 bps
Net Worth / Assets11.15%10.67%10.73%10.84%10.62%10.38%10.24%9.89%-95 bps
Liquidity & Funding
Loans / Shares70.42%66.73%69.29%70.34%70.67%70.24%79.30%84.02%+1,368 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps