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Dexter

Central Falls, RI · Charter 65746

NCUA

Q1 2016

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 2016, the quarter ended March 31, 2016, 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

Dexter

Central Falls, RI · Charter 65746

NCUA

Q1 2016

$95.0MAssets
$67.5MLoans
$89.2MShares
$5.0MNet 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 -4.14%, down 248 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.93% of loans (-173 bps YoY).
  • Capital: net worth / assets of 5.24%, down 212 bps from a year ago.
  • Funding: loans stand at 75.65% of shares as of Q1 2016.

Financial Results

Return on Assets (YTD, annualized)

-4.14%-248 bps YoY

Net Interest Margin (YTD, annualized)

3.41%-11 bps YoY

Efficiency Ratio (YTD, annualized)

185.98%+7,431 bps YoY

Net Worth / Assets

5.24%-212 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets-1.66%-1.78%-1.89%-2.09%-4.14%-248 bps
Return on Equity-22.51%-24.98%-28.38%-33.86%-79.03%-5,652 bps
Net Interest Margin3.53%3.54%3.55%3.60%3.41%-11 bps
Efficiency Ratio111.67%116.87%119.52%126.97%185.98%+7,431 bps
Growth
Asset Growth (YoY)-11.79%-14.55%-12.80%-11.53%-7.37%+443 bps
Loan Growth (YoY)-13.50%-14.18%-10.18%-14.72%-5.18%+831 bps
Share Growth (YoY)-12.04%-10.49%-6.82%-3.06%-4.35%+769 bps
Asset Quality
Delinquent Loans / Loans2.66%2.31%1.63%1.05%0.93%-173 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.86%1.02%1.11%1.05%1.06%+20 bps
Capital
Risk-Based Capital7.36%7.11%6.67%6.16%5.24%-212 bps
Net Worth / Assets7.36%7.11%6.67%6.16%5.24%-212 bps
Liquidity & Funding
Loans / Shares76.31%79.21%80.31%75.52%75.65%-66 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps