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Dort

Flint, MI · Charter 7569

NCUA · 11 branches

Q4 2019

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 2019, the quarter ended December 31, 2019, 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

Dort

Flint, MI · Charter 7569

NCUA · 11 branches

Q4 2019

$1.0BAssets
$807.9MLoans
$797.5MShares
$165.4MNet Worth

Executive Summary

  • Earnings: ROA of 1.32%, down 19 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 1.43% of loans (-11 bps YoY), with net charge-offs at 0.19%.
  • Capital: net worth / assets of 16.45%, down 102 bps from a year ago.
  • Funding: loans stand at 101.30% of shares as of Q4 2019.

Return on Assets (YTD, annualized)

1.32%-19 bps YoY

Net Interest Margin (YTD, annualized)

3.92%-30 bps YoY

Efficiency Ratio (YTD, annualized)

68.34%+419 bps YoY

Net Worth / Assets

16.45%-102 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets1.39%1.39%1.45%1.51%1.31%1.50%1.51%1.32%-19 bps
Return on Equity8.06%8.11%8.34%8.65%7.78%9.06%9.03%8.05%-60 bps
Net Interest Margin4.26%4.23%4.25%4.23%4.18%4.02%4.00%3.92%-30 bps
Efficiency Ratio63.63%63.45%63.53%64.15%66.52%66.60%66.51%68.34%+419 bps
Growth
Asset Growth (YoY)7.70%10.28%10.87%11.10%11.90%14.10%14.59%15.48%+438 bps
Loan Growth (YoY)22.60%19.59%15.47%11.96%9.76%8.85%9.47%12.90%+95 bps
Share Growth (YoY)7.55%8.31%6.54%7.04%7.68%12.86%16.31%17.48%+1,044 bps
Asset Quality
Delinquent Loans / Loans1.15%1.31%1.45%1.55%1.42%1.35%1.47%1.43%-11 bps
Net Charge-Offs / Loans0.33%0.32%0.30%0.28%0.25%0.23%0.21%0.19%-9 bps
Allowance / Loans0.94%1.05%1.11%1.04%1.12%1.02%0.96%0.94%-10 bps
Capital
Risk-Based Capital17.23%17.17%17.37%17.47%16.85%16.56%16.69%16.45%-102 bps
Net Worth / Assets17.23%17.17%17.37%17.47%16.85%16.56%16.69%16.45%-102 bps
Liquidity & Funding
Loans / Shares97.34%101.22%106.12%105.41%99.22%97.63%99.88%101.30%-411 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps