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Mail Pouch

Wheeling, WV · Charter 3909

Q2 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: Q2 2013, the quarter ended June 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

Mail Pouch

Wheeling, WV · Charter 3909

Q2 2013

$1.5MAssets
$144KLoans
$1.2MShares
$275KNet Worth

Executive Summary

  • Earnings: ROA of -0.52%, down 80 bps year over year; NIM at 1.83%.
  • Asset quality: problem loans at 3.72% of loans (+372 bps YoY).
  • Capital: net worth / assets of 18.39%, down 179 bps from a year ago.
  • Funding: loans stand at 11.94% of shares as of Q2 2013.

Return on Assets (YTD, annualized)

-0.52%-80 bps YoY

Net Interest Margin (YTD, annualized)

1.83%-10 bps YoY

Efficiency Ratio (YTD, annualized)

127.63%+4,213 bps YoY

Net Worth / Assets

18.39%-179 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets0.42%0.42%0.28%0.28%0.31%0.06%0.05%-0.52%-80 bps
Return on Equity2.06%1.98%1.34%1.39%1.58%0.31%0.22%-2.84%-423 bps
Net Interest Margin2.07%2.16%1.95%1.93%1.90%1.77%2.19%1.83%-10 bps
Efficiency Ratio81.71%82.06%85.83%85.50%83.67%96.28%97.74%127.63%+4,213 bps
Growth
Asset Growth (YoY)7.16%-2.01%1.62%2.48%4.53%4.14%-0.38%7.81%+532 bps
Loan Growth (YoY)12.82%7.99%-4.66%-18.55%-11.78%-15.16%-15.14%-16.74%+182 bps
Share Growth (YoY)8.65%-2.96%1.72%2.79%5.15%4.86%-0.49%9.76%+697 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%3.72%+372 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans15.61%15.44%16.92%17.74%18.22%18.74%20.52%21.98%+424 bps
Capital
Risk-Based Capital20.20%21.06%20.69%20.19%19.65%20.29%20.78%18.39%-179 bps
Net Worth / Assets20.20%21.06%20.69%20.19%19.65%20.29%20.78%18.39%-179 bps
Liquidity & Funding
Loans / Shares17.75%18.98%17.01%15.74%14.89%15.36%14.51%11.94%-380 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps