PackageTrendsPeer
Letter portraitLegal landscape

Harbor Area Postal Employees

Lomita, CA · Charter 5482

NCUA · 1 branch

Q3 2017

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 2017, the quarter ended September 30, 2017, 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

Harbor Area Postal Employees

Lomita, CA · Charter 5482

NCUA · 1 branch

Q3 2017

$20.1MAssets
$7.6MLoans
$17.8MShares
$2.2MNet 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 -0.82%, down 37 bps year over year; NIM at 2.47%.
  • Asset quality: problem loans at 0.18% of loans (-55 bps YoY).
  • Capital: net worth / assets of 10.76%, down 98 bps from a year ago.
  • Funding: loans stand at 42.61% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.82%-37 bps YoY

Net Interest Margin (YTD, annualized)

2.47%+2 bps YoY

Efficiency Ratio (YTD, annualized)

116.66%-195 bps YoY

Net Worth / Assets

10.76%-98 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-0.46%-0.56%-0.70%-0.97%-0.82%-37 bps
Return on Equity-3.90%-4.97%-6.37%-8.92%-7.65%-375 bps
Net Interest Margin2.45%2.38%2.36%2.46%2.47%+2 bps
Efficiency Ratio118.61%120.14%116.95%118.65%116.66%-195 bps
Growth
Asset Growth (YoY)-1.48%-0.35%2.85%2.46%1.19%+267 bps
Loan Growth (YoY)-2.61%2.38%4.11%3.43%-2.48%+13 bps
Share Growth (YoY)0.84%3.96%3.86%3.76%2.23%+139 bps
Asset Quality
Delinquent Loans / Loans0.73%0.31%0.22%0.20%0.18%-55 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.24%1.28%1.33%1.53%1.63%+39 bps
Capital
Risk-Based Capital11.74%11.31%11.01%10.88%10.76%-98 bps
Net Worth / Assets11.74%11.31%11.01%10.88%10.76%-98 bps
Liquidity & Funding
Loans / Shares44.67%45.27%44.50%44.79%42.61%-206 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps