PackageTrendsPeer
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Dale Employees

Columbus, NE · Charter 66144

NCUA · 2 branches

Q3 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: Q3 2016, the quarter ended September 30, 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 2026-10-10

Dale Employees

Columbus, NE · Charter 66144

NCUA · 2 branches

Q3 2016

$24.3MAssets
$8.3MLoans
$19.1MShares
$5.2MNet 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 0.39%, down 16 bps year over year; NIM at 2.17%.
  • Asset quality: problem loans at 0.29% of loans (-30 bps YoY).
  • Capital: net worth / assets of 21.37%, up 141 bps from a year ago.
  • Funding: loans stand at 43.62% of shares as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

0.39%-16 bps YoY

Net Interest Margin (YTD, annualized)

2.17%+2 bps YoY

Efficiency Ratio (YTD, annualized)

84.18%+709 bps YoY

Net Worth / Assets

21.37%+141 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets0.55%0.53%0.29%0.28%0.39%-16 bps
Return on Equity2.77%2.59%1.41%1.33%1.82%-94 bps
Net Interest Margin2.15%2.21%2.06%2.10%2.17%+2 bps
Efficiency Ratio77.09%78.56%87.73%88.36%84.18%+709 bps
Growth
Asset Growth (YoY)1.30%-1.40%-2.82%-3.60%-4.82%-612 bps
Loan Growth (YoY)-7.47%-6.58%-5.04%-1.30%-2.56%+492 bps
Share Growth (YoY)0.61%-2.35%-4.06%-5.00%-6.51%-712 bps
Asset Quality
Delinquent Loans / Loans0.58%0.44%0.71%0.25%0.29%-30 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.14%1.22%1.16%1.16%1.14%0 bps
Capital
Risk-Based Capital19.95%20.47%20.29%20.76%21.37%+141 bps
Net Worth / Assets19.95%20.47%20.29%20.76%21.37%+141 bps
Liquidity & Funding
Loans / Shares41.85%41.34%40.66%41.77%43.62%+177 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps