PackageTrendsPeer
Letter portraitLegal landscape

D.T.&I Employees

Taylor, MI · Charter 61053

Q3 2014

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 2014, the quarter ended September 30, 2014, 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

D.T.&I Employees

Taylor, MI · Charter 61053

Q3 2014

$17.7MAssets
$4.4MLoans
$15.4MShares
$2.6MNet 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 -1.46%, down 157 bps year over year; NIM at 2.26%.
  • Asset quality: problem loans at 0.43% of loans (-598 bps YoY).
  • Capital: net worth / assets of 14.52%, down 55 bps from a year ago.
  • Funding: loans stand at 28.72% of shares as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

-1.46%-157 bps YoY

Net Interest Margin (YTD, annualized)

2.26%-7 bps YoY

Efficiency Ratio (YTD, annualized)

152.74%+6,043 bps YoY

Net Worth / Assets

14.52%-55 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets0.10%-0.09%-0.11%0.03%-1.46%-157 bps
Return on Equity0.67%-0.61%-0.74%0.20%-10.08%-1,075 bps
Net Interest Margin2.34%2.44%2.37%2.29%2.26%-7 bps
Efficiency Ratio92.31%96.78%96.66%95.04%152.74%+6,043 bps
Growth
Asset Growth (YoY)2.87%0.58%0.85%1.51%-4.56%-743 bps
Loan Growth (YoY)-1.88%-4.23%-5.00%-5.91%-6.82%-495 bps
Share Growth (YoY)4.18%1.18%2.15%1.77%-2.10%-628 bps
Asset Quality
Delinquent Loans / Loans6.41%1.01%1.03%0.22%0.43%-598 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.46%0.59%0.77%0.73%0.79%+34 bps
Capital
Risk-Based Capital15.07%15.36%15.09%15.13%14.52%-55 bps
Net Worth / Assets15.07%15.36%15.09%15.13%14.52%-55 bps
Liquidity & Funding
Loans / Shares30.18%29.96%28.95%28.58%28.72%-146 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps