PackageTrendsPeer
Letter portraitLegal landscape

Dunkin Donuts Employees

Randolph, MA · Charter 67878

Q3 2004

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 2004, the quarter ended September 30, 2004, 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

Dunkin Donuts Employees

Randolph, MA · Charter 67878

Q3 2004

$2.8MAssets
$995KLoans
$2.5MShares
$280KNet 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 1.64%, up 185 bps year over year; NIM at 2.51%.
  • Asset quality: problem loans at 1.94% of loans (+110 bps YoY).
  • Capital: net worth / assets of 10.04%, up 178 bps from a year ago.
  • Funding: loans stand at 39.85% of shares as of Q3 2004.

Financial Results

Return on Assets (YTD, annualized)

1.64%+185 bps YoY

Net Interest Margin (YTD, annualized)

2.51%-47 bps YoY

Efficiency Ratio (YTD, annualized)

35.85%+1,196 bps YoY

Net Worth / Assets

10.04%+178 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets-0.22%0.19%1.72%1.70%1.64%+185 bps
Return on Equity-2.62%2.31%19.87%18.13%16.31%+1,893 bps
Net Interest Margin2.99%2.72%2.47%2.50%2.51%-47 bps
Efficiency Ratio23.89%28.37%31.70%33.39%35.85%+1,196 bps
Growth
Asset Growth (YoY)-12.39%-8.65%-15.81%-8.30%-2.14%+1,024 bps
Loan Growth (YoY)-19.24%-25.19%-22.71%-25.32%-21.21%-197 bps
Share Growth (YoY)-13.44%-9.62%-17.26%-9.20%-4.14%+931 bps
Asset Quality
Delinquent Loans / Loans0.84%3.45%1.11%1.48%1.94%+110 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.37%5.49%5.43%6.63%6.80%+143 bps
Capital
Risk-Based Capital8.26%8.13%8.65%9.36%10.04%+178 bps
Net Worth / Assets8.26%8.13%8.65%9.36%10.04%+178 bps
Liquidity & Funding
Loans / Shares48.48%45.13%42.42%38.71%39.85%-864 bps
Liquid Assets / Assets20.02%27.54%44.69%65.69%65.12%+4,510 bps