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Dor Wic

Salisbury, MD · Charter 9585

NCUA · 1 branch

Q3 2021

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 2021, the quarter ended September 30, 2021, 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

Dor Wic

Salisbury, MD · Charter 9585

NCUA · 1 branch

Q3 2021

$10.2MAssets
$4.1MLoans
$8.5MShares
$1.6MNet Worth

Executive Summary

  • Earnings: ROA of -4.83%, down 609 bps year over year; NIM at -2.58%.
  • Asset quality: problem loans at 0.00% of loans (-33 bps YoY).
  • Capital: net worth / assets of 15.65%, down 411 bps from a year ago.
  • Funding: loans stand at 48.07% of shares as of Q3 2021.

Return on Assets (YTD, annualized)

-4.83%-609 bps YoY

Net Interest Margin (YTD, annualized)

-2.58%-546 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

15.65%-411 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2019Q1 2020Q2 2020Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets0.64%1.28%1.20%1.25%0.24%0.59%-7.83%-4.83%-609 bps
Return on Equity3.22%6.35%6.04%6.33%1.26%3.03%-52.39%-30.90%-3,723 bps
Net Interest Margin2.34%2.91%2.91%2.88%1.94%2.18%-5.06%-2.58%-546 bps
Efficiency Ratio64.67%58.65%57.17%56.09%82.36%74.18%n/an/an/a
Growth
Asset Growth (YoY)5.31%3.10%4.30%4.38%4.08%3.69%3.23%-1.13%-550 bps
Loan Growth (YoY)7.54%9.09%10.13%13.49%12.55%4.07%1.52%-8.48%-2,197 bps
Share Growth (YoY)2.95%0.75%1.45%2.41%3.48%4.37%10.48%5.62%+321 bps
Asset Quality
Delinquent Loans / Loans1.98%0.84%0.36%0.33%0.16%0.13%0.00%0.00%-33 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.54%0.54%0.56%0.52%0.54%0.45%0.48%0.50%-2 bps
Capital
Risk-Based Capital19.82%20.08%19.82%19.75%19.29%19.44%14.94%15.65%-411 bps
Net Worth / Assets19.82%20.08%19.82%19.75%19.29%19.44%14.94%15.65%-411 bps
Liquidity & Funding
Loans / Shares50.42%52.41%53.03%55.48%54.84%52.26%48.73%48.07%-741 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps