PackageTrendsPeer
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Dha Employees

Dallas, TX · Charter 6321

Q4 1999

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: Q4 1999, the quarter ended December 31, 1999, 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

Dha Employees

Dallas, TX · Charter 6321

Q4 1999

$160KAssets
$97KLoans
$96KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 3.21%, up 1,494 bps year over year; NIM at 7.89%.
  • Asset quality: problem loans at 6.45% of loans (-813 bps YoY).
  • Funding: loans stand at 101.06% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

3.21%+1,494 bps YoY

Net Interest Margin (YTD, annualized)

7.89%
n/a

Efficiency Ratio (YTD, annualized)

59.61%
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets-6.97%-1.16%-2.60%-11.73%-2.54%-3.75%5.02%3.21%+1,494 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a7.89%n/an/a
Efficiency Ration/an/an/an/an/an/an/a59.61%n/an/a
Growth
Asset Growth (YoY)8.29%11.27%-9.39%-51.53%-33.13%-49.20%-31.63%7.98%+5,951 bps
Loan Growth (YoY)-0.95%-5.44%-25.85%-24.65%-44.18%-38.88%-34.64%-43.97%-1,933 bps
Share Growth (YoY)13.85%20.08%-3.71%-20.24%-29.41%-50.05%-28.64%-35.06%-1,482 bps
Asset Quality
Delinquent Loans / Loans13.03%4.03%6.67%14.58%3.36%3.20%9.85%6.45%-813 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans5.46%3.34%0.54%7.32%2.97%8.74%13.63%11.82%+450 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares88.39%107.49%95.83%117.14%69.89%131.52%87.77%101.06%-1,608 bps
Liquid Assets / Assets12.57%13.25%16.38%5.18%34.68%18.29%16.86%19.19%+1,401 bps