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Rock Island Postal Employees

Rock Island, IL · Charter 60535

NCUA · 1 branch

Q3 2022

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 2022, the quarter ended September 30, 2022, 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

Rock Island Postal Employees

Rock Island, IL · Charter 60535

NCUA · 1 branch

Q3 2022

$8.2MAssets
$3.0MLoans
$7.8MShares
$355KNet Worth

Executive Summary

  • Earnings: ROA of -3.82%, down 383 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 0.15% of loans (-32 bps YoY).
  • Capital: net worth / assets of 4.32%, down 317 bps from a year ago.
  • Funding: loans stand at 37.76% of shares as of Q3 2022.

Return on Assets (YTD, annualized)

-3.82%-383 bps YoY

Net Interest Margin (YTD, annualized)

2.85%+16 bps YoY

Efficiency Ratio (YTD, annualized)

200%+10,565 bps YoY

Net Worth / Assets

4.32%-317 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2020Q1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets-0.67%-0.07%-0.09%0.00%-0.46%0.09%-0.04%-3.82%-383 bps
Return on Equity-7.84%-0.93%-1.17%0.06%-6.54%1.28%-0.54%-88.49%-8,855 bps
Net Interest Margin3.22%2.66%2.76%2.69%2.68%2.59%2.56%2.85%+16 bps
Efficiency Ratio110.19%102.14%102.45%94.63%99.76%97.67%101.04%200%+10,565 bps
Growth
Asset Growth (YoY)11.30%19.68%9.26%13.14%11.47%0.80%7.03%-2.25%-1,539 bps
Loan Growth (YoY)-14.63%-17.72%-11.26%-11.72%-8.21%-2.06%-7.90%-10.33%+139 bps
Share Growth (YoY)13.46%22.94%12.78%14.73%13.31%1.21%8.12%0.84%-1,389 bps
Asset Quality
Delinquent Loans / Loans0.14%0.45%0.51%0.47%0.00%0.26%0.00%0.15%-32 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.59%0.70%0.68%1.74%1.66%1.72%1.57%1.63%-12 bps
Capital
Risk-Based Capital8.60%7.72%7.98%7.49%6.98%6.97%6.77%4.32%-317 bps
Net Worth / Assets8.60%7.72%7.98%7.49%6.98%6.97%6.77%4.32%-317 bps
Liquidity & Funding
Loans / Shares51.91%43.07%44.94%42.47%42.05%41.68%38.28%37.76%-470 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps