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Dixie Craft Employees

Goodwater, AL · Charter 62798

NCUA · 1 branch

Q3 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: Q3 2022, the quarter ended September 30, 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

Dixie Craft Employees

Goodwater, AL · Charter 62798

NCUA · 1 branch

Q3 2022

$1.3MAssets
$249KLoans
$1.2MShares
$172KNet 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 -2.20%, up 1 bps year over year; NIM at 2.02%.
  • Asset quality: problem loans at 4.63% of loans (-514 bps YoY).
  • Capital: net worth / assets of 12.90%, down 66 bps from a year ago.
  • Funding: loans stand at 21.44% of shares as of Q3 2022.

Financial Results

Return on Assets (YTD, annualized)

-2.20%+1 bps YoY

Net Interest Margin (YTD, annualized)

2.02%-42 bps YoY

Efficiency Ratio (YTD, annualized)

166.02%+220 bps YoY

Net Worth / Assets

12.90%-66 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets-2.20%-2.66%-2.90%-2.94%-2.20%+1 bps
Return on Equity-16.26%-20.50%-23.01%-23.09%-17.04%-78 bps
Net Interest Margin2.44%2.41%2.11%1.88%2.02%-42 bps
Efficiency Ratio163.83%168.35%196.43%198.15%166.02%+220 bps
Growth
Asset Growth (YoY)-10.56%-11.69%-13.41%-17.26%-13.23%-268 bps
Loan Growth (YoY)-26.32%-16.64%-17.91%-10.11%2.44%+2,876 bps
Share Growth (YoY)-8.87%-13.15%-12.14%-16.80%-12.50%-364 bps
Asset Quality
Delinquent Loans / Loans9.77%4.42%5.49%6.21%4.63%-514 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans6.71%5.03%5.88%5.31%5.38%-134 bps
Capital
Risk-Based Capital13.56%12.99%12.60%12.72%12.90%-66 bps
Net Worth / Assets13.56%12.99%12.60%12.72%12.90%-66 bps
Liquidity & Funding
Loans / Shares18.31%21.29%17.80%18.02%21.44%+313 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps