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Delta County

Escanaba, MI · Charter 62454

NCUA · 2 branches

Q1 2020

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 2020, the quarter ended March 31, 2020, 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

Delta County

Escanaba, MI · Charter 62454

NCUA · 2 branches

Q1 2020

$140.9MAssets
$82.9MLoans
$121.6MShares
$18.1MNet 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 1.20%, up 25 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.85% of loans (+30 bps YoY), with net charge-offs at 0.43%.
  • Capital: net worth / assets of 12.84%, up 72 bps from a year ago.
  • Funding: loans stand at 68.14% of shares as of Q1 2020.

Financial Results

Return on Assets (YTD, annualized)

1.20%+25 bps YoY

Net Interest Margin (YTD, annualized)

3.56%-3 bps YoY

Efficiency Ratio (YTD, annualized)

74.27%-140 bps YoY

Net Worth / Assets

12.84%+72 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2019Q2 2019Q3 2019Q4 2019Q1 2020YoY ΔTrend
Earnings
Return on Assets0.95%1.13%1.31%1.37%1.20%+25 bps
Return on Equity7.82%9.16%10.29%10.65%9.32%+150 bps
Net Interest Margin3.59%3.64%3.69%3.67%3.56%-3 bps
Efficiency Ratio75.66%73.08%70.77%70.26%74.27%-140 bps
Growth
Asset Growth (YoY)0.14%2.07%5.69%6.70%6.02%+588 bps
Loan Growth (YoY)2.71%3.51%4.56%6.61%4.59%+189 bps
Share Growth (YoY)-1.51%-0.29%3.97%5.09%4.72%+623 bps
Asset Quality
Delinquent Loans / Loans0.54%0.47%0.67%0.39%0.85%+30 bps
Net Charge-Offs / Loans0.44%0.44%0.44%0.43%0.43%-1 bps
Allowance / Loans1.02%1.03%0.97%0.89%0.85%-17 bps
Capital
Risk-Based Capital12.12%12.32%12.74%12.90%12.84%+72 bps
Net Worth / Assets12.12%12.32%12.74%12.90%12.84%+72 bps
Liquidity & Funding
Loans / Shares68.22%69.92%72.38%72.06%68.14%-8 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps