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Saginaw Postal

Saginaw, MI · Charter 1594

NCUA · 3 branches

Q4 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: Q4 2018, the quarter ended December 31, 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 2026-10-10

Saginaw Postal

Saginaw, MI · Charter 1594

NCUA · 3 branches

Q4 2018

$28.2MAssets
$12.1MLoans
$24.7MShares
$3.4MNet 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 -0.24%, down 26 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 0.98% of loans (-53 bps YoY).
  • Capital: net worth / assets of 12.17%, up 29 bps from a year ago.
  • Funding: loans stand at 49.05% of shares as of Q4 2018.

Financial Results

Return on Assets (YTD, annualized)

-0.24%-26 bps YoY

Net Interest Margin (YTD, annualized)

3.29%+14 bps YoY

Efficiency Ratio (YTD, annualized)

92.85%+238 bps YoY

Net Worth / Assets

12.17%+29 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets0.02%-1.07%-0.39%-0.25%-0.24%-26 bps
Return on Equity0.14%-9.38%-3.34%-2.02%-1.96%-211 bps
Net Interest Margin3.14%2.94%3.01%3.16%3.29%+14 bps
Efficiency Ratio90.47%95.87%93.06%93.87%92.85%+238 bps
Growth
Asset Growth (YoY)-4.07%-5.31%-4.15%-5.40%-5.14%-107 bps
Loan Growth (YoY)8.32%5.36%4.15%-0.68%-1.52%-984 bps
Share Growth (YoY)-4.84%-5.65%-4.65%-6.18%-5.21%-37 bps
Asset Quality
Delinquent Loans / Loans1.52%1.89%1.10%1.55%0.98%-53 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.57%1.08%1.04%1.02%1.13%+56 bps
Capital
Risk-Based Capital11.88%11.45%11.55%12.18%12.17%+29 bps
Net Worth / Assets11.88%11.45%11.55%12.18%12.17%+29 bps
Liquidity & Funding
Loans / Shares47.21%46.22%46.68%48.83%49.05%+184 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps