PackageTrendsPeer
Letter portraitLegal landscape

Decatur Medical Dental

Decatur, IL · Charter 65842

NCUA · 1 branch

Q4 2023

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 2023, the quarter ended December 31, 2023, 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

Decatur Medical Dental

Decatur, IL · Charter 65842

NCUA · 1 branch

Q4 2023

$10.0MAssets
$3.3MLoans
$8.8MShares
$1.3MNet 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 -0.05%, up 38 bps year over year; NIM at 4.26%.
  • Asset quality: problem loans at 0.18% of loans (+13 bps YoY).
  • Capital: net worth / assets of 12.67%, up 329 bps from a year ago.
  • Funding: loans stand at 37.32% of shares as of Q4 2023.

Financial Results

Return on Assets (YTD, annualized)

-0.05%+38 bps YoY

Net Interest Margin (YTD, annualized)

4.26%+266 bps YoY

Efficiency Ratio (YTD, annualized)

101.13%-2,165 bps YoY

Net Worth / Assets

12.67%+329 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2022Q1 2023Q2 2023Q3 2023Q4 2023YoY ΔTrend
Earnings
Return on Assets-0.42%0.67%1.33%1.02%-0.05%+38 bps
Return on Equity-4.52%7.09%13.18%8.90%-0.36%+417 bps
Net Interest Margin1.60%2.71%3.46%3.52%4.26%+266 bps
Efficiency Ratio122.78%77.81%64.49%73.29%101.13%-2,165 bps
Growth
Asset Growth (YoY)-4.22%-4.45%-4.22%-13.45%-26.19%-2,197 bps
Loan Growth (YoY)-14.80%-8.76%1.27%3.00%8.04%+2,284 bps
Share Growth (YoY)-3.87%-4.76%-5.47%-15.89%-28.78%-2,490 bps
Asset Quality
Delinquent Loans / Loans0.05%0.03%0.03%0.79%0.18%+13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.34%1.44%1.63%1.58%0.40%-94 bps
Capital
Risk-Based Capital9.38%9.46%10.06%11.46%12.67%+329 bps
Net Worth / Assets9.38%9.46%10.06%11.46%12.67%+329 bps
Liquidity & Funding
Loans / Shares24.60%23.74%24.51%29.86%37.32%+1,272 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps