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Dairypak Employees

Olmsted Falls, OH · Charter 96696

NCUA · 1 branch

Q2 2018

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 2018, the quarter ended June 30, 2018, 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

Dairypak Employees

Olmsted Falls, OH · Charter 96696

NCUA · 1 branch

Q2 2018

$260KAssets
$206KLoans
$108KShares
$136KNet 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 -17.47%, down 1,893 bps year over year; NIM at 9.20%.
  • Asset quality: problem loans at 14.46% of loans (+1,172 bps YoY).
  • Capital: net worth / assets of 52.54%, up 17 bps from a year ago.
  • Funding: loans stand at 190.47% of shares as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

-17.47%-1,893 bps YoY

Net Interest Margin (YTD, annualized)

9.20%+106 bps YoY

Efficiency Ratio (YTD, annualized)

81.21%-88 bps YoY

Net Worth / Assets

52.54%+17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets1.46%1.90%2.12%-37.75%-17.47%-1,893 bps
Return on Equity2.78%3.48%3.83%-74.12%-33.26%-3,604 bps
Net Interest Margin8.13%8.65%8.68%8.95%9.20%+106 bps
Efficiency Ratio82.08%78.02%75.56%99.02%81.21%-88 bps
Growth
Asset Growth (YoY)-3.28%-6.39%-1.01%-12.18%-12.36%-908 bps
Loan Growth (YoY)9.85%5.96%1.25%1.67%-4.60%-1,445 bps
Share Growth (YoY)-10.13%-13.04%-7.76%-13.40%-12.73%-260 bps
Asset Quality
Delinquent Loans / Loans2.74%2.42%22.00%15.53%14.46%+1,172 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans9.21%7.37%7.57%19.33%17.41%+820 bps
Capital
Risk-Based Capital52.37%54.60%55.41%50.94%52.54%+17 bps
Net Worth / Assets52.37%54.60%55.41%50.94%52.54%+17 bps
Liquidity & Funding
Loans / Shares174.24%183.45%190.54%199.77%190.47%+1,622 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps