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Decatur Adm

Decatur, IL · Charter 61829

NCUA · 1 branch

Q1 2022

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 2022, the quarter ended March 31, 2022, 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

Decatur Adm

Decatur, IL · Charter 61829

NCUA · 1 branch

Q1 2022

$16.6MAssets
$7.0MLoans
$14.0MShares
$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 -0.35%, up 7 bps year over year; NIM at 2.51%.
  • Asset quality: problem loans at 0.36% of loans (+22 bps YoY).
  • Capital: net worth / assets of 15.44%, up 5 bps from a year ago.
  • Funding: loans stand at 50.05% of shares as of Q1 2022.

Financial Results

Return on Assets (YTD, annualized)

-0.35%+7 bps YoY

Net Interest Margin (YTD, annualized)

2.51%-63 bps YoY

Efficiency Ratio (YTD, annualized)

108.93%+380 bps YoY

Net Worth / Assets

15.44%+5 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2021Q2 2021Q3 2021Q4 2021Q1 2022YoY ΔTrend
Earnings
Return on Assets-0.42%0.06%0.48%-0.26%-0.35%+7 bps
Return on Equity-2.76%0.41%3.02%-1.71%-2.26%+49 bps
Net Interest Margin3.14%3.06%3.04%2.90%2.51%-63 bps
Efficiency Ratio105.13%93.73%86.94%105.93%108.93%+380 bps
Growth
Asset Growth (YoY)12.21%7.07%7.62%2.64%-1.87%-1,408 bps
Loan Growth (YoY)-22.32%-17.33%-9.17%-7.28%1.78%+2,409 bps
Share Growth (YoY)16.21%9.33%9.84%3.01%-2.12%-1,833 bps
Asset Quality
Delinquent Loans / Loans0.14%0.19%0.04%0.00%0.36%+22 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.22%1.28%1.23%1.00%1.04%-18 bps
Capital
Risk-Based Capital15.39%15.55%15.77%15.43%15.44%+5 bps
Net Worth / Assets15.39%15.55%15.77%15.43%15.44%+5 bps
Liquidity & Funding
Loans / Shares48.13%48.68%50.32%49.77%50.05%+191 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps