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Dayton Area Cooperative

Dayton, OH · Charter 61001

NCUA · 3 branches

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

Dayton Area Cooperative

Dayton, OH · Charter 61001

NCUA · 3 branches

Q1 2023

$57.3MAssets
$30.8MLoans
$51.6MShares
$4.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.73%, up 57 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.41% of loans (-1 bps YoY).
  • Capital: net worth / assets of 8.24%, up 78 bps from a year ago.
  • Funding: loans stand at 59.77% of shares as of Q1 2023.

Return on Assets (YTD, annualized)

0.73%+57 bps YoY

Net Interest Margin (YTD, annualized)

3.35%+125 bps YoY

Efficiency Ratio (YTD, annualized)

80.84%-1,300 bps YoY

Net Worth / Assets

8.24%+78 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2021Q3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022Q1 2023YoY ΔTrend
Earnings
Return on Assets0.44%0.45%0.40%0.16%0.41%0.43%0.44%0.73%+57 bps
Return on Equity5.63%5.53%5.04%2.15%5.19%5.45%5.30%8.91%+676 bps
Net Interest Margin2.23%2.32%2.27%2.10%2.28%2.33%2.56%3.35%+125 bps
Efficiency Ratio87.01%87.35%87.92%93.83%88.46%88.12%88.43%80.84%-1,300 bps
Growth
Asset Growth (YoY)19.99%16.16%9.21%8.11%3.59%8.87%1.59%-2.71%-1,082 bps
Loan Growth (YoY)9.56%8.38%5.22%5.69%5.50%12.11%17.00%17.13%+1,144 bps
Share Growth (YoY)20.60%16.52%10.03%7.67%3.68%8.82%0.60%-2.92%-1,059 bps
Asset Quality
Delinquent Loans / Loans0.27%0.24%0.51%0.42%0.24%0.49%0.34%0.41%-1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.24%0.23%0.28%0.28%0.22%0.21%0.14%0.21%-7 bps
Capital
Risk-Based Capital7.80%8.10%7.94%7.46%7.91%7.83%8.25%8.24%+78 bps
Net Worth / Assets7.80%8.10%7.94%7.46%7.91%7.83%8.25%8.24%+78 bps
Liquidity & Funding
Loans / Shares52.47%53.52%52.09%49.54%53.39%55.14%60.58%59.77%+1,023 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps