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Washington Postal Employees

Washington, DC · Charter 16412

Q4 2012

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 2012, the quarter ended December 31, 2012, 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

Washington Postal Employees

Washington, DC · Charter 16412

Q4 2012

$18.8MAssets
$3.9MLoans
$16.2MShares
$2.0MNet Worth

Executive Summary

  • Earnings: ROA of -4.24%, down 328 bps year over year; NIM at 2.04%.
  • Asset quality: problem loans at 0.85% of loans (-16 bps YoY).
  • Capital: net worth / assets of 10.39%, down 417 bps from a year ago.
  • Funding: loans stand at 24.33% of shares as of Q4 2012.

Return on Assets (YTD, annualized)

-4.24%-328 bps YoY

Net Interest Margin (YTD, annualized)

2.04%-59 bps YoY

Efficiency Ratio (YTD, annualized)

191.68%+8,447 bps YoY

Net Worth / Assets

10.39%-417 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets0.16%-0.58%-0.77%-0.96%-0.60%-0.49%-0.56%-4.24%-328 bps
Return on Equity1.09%-3.88%-5.25%-6.60%-4.34%-3.50%-4.10%-40.86%-3,426 bps
Net Interest Margin2.57%2.70%2.65%2.62%2.12%2.11%2.06%2.04%-59 bps
Efficiency Ratio96.69%95.77%104.06%107.21%107.86%105.59%109.02%191.68%+8,447 bps
Growth
Asset Growth (YoY)6.09%2.82%1.79%-2.63%-0.79%0.37%1.31%-0.52%+211 bps
Loan Growth (YoY)-19.09%-21.24%-24.67%-24.40%-21.47%-21.26%-20.81%-24.05%+35 bps
Share Growth (YoY)8.20%4.81%3.69%-0.93%1.13%1.46%2.27%-0.33%+60 bps
Asset Quality
Delinquent Loans / Loans1.89%0.98%0.57%1.02%1.21%0.49%0.35%0.85%-16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.01%1.78%1.54%1.92%1.95%1.57%1.61%1.70%-22 bps
Capital
Risk-Based Capital14.74%14.92%14.73%14.55%13.76%13.97%13.75%10.39%-417 bps
Net Worth / Assets14.74%14.92%14.73%14.55%13.76%13.97%13.75%10.39%-417 bps
Liquidity & Funding
Loans / Shares36.36%35.64%33.02%31.93%28.23%27.65%25.57%24.33%-760 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps