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Beaver Co. Post Office Employees

Ambridge, PA · Charter 3216

Q3 2010

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 2010, the quarter ended September 30, 2010, 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

Beaver Co. Post Office Employees

Ambridge, PA · Charter 3216

Q3 2010

$367KAssets
$179KLoans
$309KShares
$58KNet 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 -11.41%, down 1,061 bps year over year; NIM at 4.22%.
  • Asset quality: problem loans at 20.02% of loans (+315 bps YoY).
  • Capital: net worth / assets of 15.79%, down 578 bps from a year ago.
  • Funding: loans stand at 58.02% of shares as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

-11.41%-1,061 bps YoY

Net Interest Margin (YTD, annualized)

4.22%-8 bps YoY

Efficiency Ratio (YTD, annualized)

114.99%+2,498 bps YoY

Net Worth / Assets

15.79%-578 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets-0.80%-0.69%-0.60%0.64%-11.41%-1,061 bps
Return on Equity-3.70%-3.17%-2.87%3.07%-72.25%-6,855 bps
Net Interest Margin4.30%4.08%4.03%3.96%4.22%-8 bps
Efficiency Ratio90.01%95.59%98.82%83.91%114.99%+2,498 bps
Growth
Asset Growth (YoY)-3.53%-3.30%-0.91%4.38%-12.27%-874 bps
Loan Growth (YoY)-10.37%-10.24%20.43%27.21%17.49%+2,786 bps
Share Growth (YoY)-3.34%-2.81%0.57%5.46%-5.79%-245 bps
Asset Quality
Delinquent Loans / Loans16.88%15.08%11.56%21.13%20.02%+315 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans7.08%6.62%5.49%5.88%22.34%+1,526 bps
Capital
Risk-Based Capital21.57%21.64%21.05%20.71%15.79%-578 bps
Net Worth / Assets21.57%21.64%21.05%20.71%15.79%-578 bps
Liquidity & Funding
Loans / Shares46.52%50.25%58.65%53.24%58.02%+1,150 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps