PackageTrendsPeer
Letter portraitLegal landscape

Lima Ohio Postal Employees

Lima, OH · Charter 1128

Q3 2013

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 2013, the quarter ended September 30, 2013, 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

Lima Ohio Postal Employees

Lima, OH · Charter 1128

Q3 2013

$3.0MAssets
$897KLoans
$2.2MShares
$801KNet 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 -5.60%, down 483 bps year over year; NIM at -1.08%.
  • Asset quality: problem loans at 0.14% of loans (-21 bps YoY).
  • Capital: net worth / assets of 26.27%, up 14 bps from a year ago.
  • Funding: loans stand at 40.27% of shares as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

-5.60%-483 bps YoY

Net Interest Margin (YTD, annualized)

-1.08%-304 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

26.27%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets-0.78%-0.74%-0.93%-1.10%-5.60%-483 bps
Return on Equity-2.97%-2.81%-3.73%-4.25%-21.33%-1,836 bps
Net Interest Margin1.95%1.95%1.72%1.76%-1.08%-304 bps
Efficiency Ratio140.68%141.47%147.40%154.12%n/an/a
Growth
Asset Growth (YoY)-3.14%-0.23%-1.03%-3.30%-14.72%-1,158 bps
Loan Growth (YoY)-6.40%-3.05%2.90%4.52%0.05%+645 bps
Share Growth (YoY)-3.74%0.40%-1.45%-4.93%-11.98%-824 bps
Asset Quality
Delinquent Loans / Loans0.35%0.14%0.15%1.85%0.14%-21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.84%0.45%0.46%0.44%0.45%-40 bps
Capital
Risk-Based Capital26.13%26.23%24.98%25.95%26.27%+14 bps
Net Worth / Assets26.13%26.23%24.98%25.95%26.27%+14 bps
Liquidity & Funding
Loans / Shares35.43%35.69%32.80%37.17%40.27%+484 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps