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Dallas Santa Fe

Garland, TX · Charter 67548

Q2 2015

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: Q2 2015, the quarter ended June 30, 2015, 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

Dallas Santa Fe

Garland, TX · Charter 67548

Q2 2015

$11.4MAssets
$6.9MLoans
$9.8MShares
$1.6MNet Worth

Executive Summary

  • Earnings: ROA of -76.97%, down 7,922 bps year over year; NIM at -70.39%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 13.67%, down 3,263 bps from a year ago.
  • Funding: loans stand at 70.41% of shares as of Q2 2015.

Return on Assets (YTD, annualized)

-76.97%-7,922 bps YoY

Net Interest Margin (YTD, annualized)

-70.39%-7,491 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

13.67%-3,263 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets2.41%2.48%2.60%2.25%2.35%2.95%2.34%-76.97%-7,922 bps
Return on Equity5.17%5.20%5.50%4.86%4.86%6.05%4.77%-563%-56,776 bps
Net Interest Margin4.85%4.89%4.67%4.52%4.66%4.53%4.11%-70.39%-7,491 bps
Efficiency Ratio49.36%49.36%48.34%54.41%53.50%47.94%49.41%n/an/a
Growth
Asset Growth (YoY)2.26%1.14%1.26%4.45%1.53%3.94%2.27%-7.80%-1,226 bps
Loan Growth (YoY)5.26%-1.39%-2.91%-0.43%-2.84%-10.35%-12.29%-17.12%-1,670 bps
Share Growth (YoY)0.92%-0.48%1.53%3.64%-1.53%0.67%-2.24%48.41%+4,477 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.28%1.30%1.30%1.29%1.32%0.79%0.81%0.85%-44 bps
Capital
Risk-Based Capital46.57%47.59%47.20%46.30%48.26%48.74%49.03%13.67%-3,263 bps
Net Worth / Assets46.57%47.59%47.20%46.30%48.26%48.74%49.03%13.67%-3,263 bps
Liquidity & Funding
Loans / Shares133.03%134.36%129.55%126.08%131.27%119.64%116.23%70.41%-5,568 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps