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Dial

Montgomery, IL · Charter 64247

NCUA · 2 branches

Q3 2018

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 2018, the quarter ended September 30, 2018, 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

Dial

Montgomery, IL · Charter 64247

NCUA · 2 branches

Q3 2018

$9.3MAssets
$2.9MLoans
$8.5MShares
$976KNet 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 -1.53%, down 56 bps year over year; NIM at 2.29%.
  • Asset quality: problem loans at 0.81% of loans (-46 bps YoY).
  • Capital: net worth / assets of 10.48%, down 40 bps from a year ago.
  • Funding: loans stand at 34.14% of shares as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

-1.53%-56 bps YoY

Net Interest Margin (YTD, annualized)

2.29%-32 bps YoY

Efficiency Ratio (YTD, annualized)

151.51%+2,979 bps YoY

Net Worth / Assets

10.48%-40 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets-0.97%-0.86%-0.76%-1.75%-1.53%-56 bps
Return on Equity-8.89%-7.93%-7.25%-16.56%-14.62%-573 bps
Net Interest Margin2.62%2.73%2.40%2.66%2.29%-32 bps
Efficiency Ratio121.72%117.56%121.81%164.15%151.51%+2,979 bps
Growth
Asset Growth (YoY)2.32%3.08%2.12%-3.22%-7.51%-983 bps
Loan Growth (YoY)-7.65%11.58%13.43%21.69%28.80%+3,645 bps
Share Growth (YoY)4.36%5.02%4.00%-1.78%-6.34%-1,069 bps
Asset Quality
Delinquent Loans / Loans1.28%0.49%0.78%0.43%0.81%-46 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.23%1.17%1.31%1.32%1.14%-9 bps
Capital
Risk-Based Capital10.88%10.89%10.51%10.55%10.48%-40 bps
Net Worth / Assets10.88%10.89%10.51%10.55%10.48%-40 bps
Liquidity & Funding
Loans / Shares24.83%27.50%27.30%31.98%34.14%+931 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps