PackageTrendsPeer
Letter portraitLegal landscape

Dyno Employees NY

Port Ewen, NY · Charter 9732

Q2 2003

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 2003, the quarter ended June 30, 2003, 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

Dyno Employees NY

Port Ewen, NY · Charter 9732

Q2 2003

$483KAssets
$227KLoans
$414KShares
$67KNet 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 -0.41%, up 518 bps year over year; NIM at 5.20%.
  • Asset quality: problem loans at 2.67% of loans (+148 bps YoY).
  • Capital: net worth / assets of 13.79%, down 167 bps from a year ago.
  • Funding: loans stand at 54.85% of shares as of Q2 2003.

Financial Results

Return on Assets (YTD, annualized)

-0.41%+518 bps YoY

Net Interest Margin (YTD, annualized)

5.20%-91 bps YoY

Efficiency Ratio (YTD, annualized)

107.94%+2,334 bps YoY

Net Worth / Assets

13.79%-167 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2002Q3 2002Q4 2002Q1 2003Q2 2003YoY ΔTrend
Earnings
Return on Assets-5.59%-3.88%-3.29%-0.52%-0.41%+518 bps
Return on Equity-36.16%-28.51%-21.25%-3.60%-2.99%+3,317 bps
Net Interest Margin6.11%5.43%6.00%5.01%5.20%-91 bps
Efficiency Ratio84.60%98.37%98.47%109.52%107.94%+2,334 bps
Growth
Asset Growth (YoY)-4.13%14.60%-6.47%14.14%7.58%+1,171 bps
Loan Growth (YoY)-3.32%-14.39%-18.79%-22.17%-20.92%-1,759 bps
Share Growth (YoY)-1.76%23.86%0.73%22.51%9.87%+1,164 bps
Asset Quality
Delinquent Loans / Loans1.19%0.00%0.00%0.00%2.67%+148 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.02%3.37%3.43%5.24%5.61%+259 bps
Capital
Risk-Based Capital15.46%13.60%15.49%14.39%13.79%-167 bps
Net Worth / Assets15.46%13.60%15.49%14.39%13.79%-167 bps
Liquidity & Funding
Loans / Shares76.21%60.64%66.51%61.45%54.85%-2,136 bps
Liquid Assets / Assets33.68%46.20%31.76%46.81%52.40%+1,872 bps