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Triad Postal

Winston-Salem, NC · Charter 60929

Q1 2005

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: Q1 2005, the quarter ended March 31, 2005, 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

Triad Postal

Winston-Salem, NC · Charter 60929

Q1 2005

$16.9MAssets
$6.5MLoans
$13.4MShares
$3.4MNet 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 -1.81%, down 105 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 1.63% of loans (+78 bps YoY).
  • Capital: net worth / assets of 20.30%, up 15 bps from a year ago.
  • Funding: loans stand at 48.30% of shares as of Q1 2005.

Financial Results

Return on Assets (YTD, annualized)

-1.81%-105 bps YoY

Net Interest Margin (YTD, annualized)

2.82%+37 bps YoY

Efficiency Ratio (YTD, annualized)

156.23%+3,944 bps YoY

Net Worth / Assets

20.30%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets-0.76%-0.57%-0.70%-0.72%-1.81%-105 bps
Return on Equity-3.78%-2.81%-3.33%-3.56%-8.94%-516 bps
Net Interest Margin2.45%2.51%2.65%2.64%2.82%+37 bps
Efficiency Ratio116.79%110.92%108.84%109.43%156.23%+3,944 bps
Growth
Asset Growth (YoY)-6.14%-8.17%-10.60%-4.45%-5.35%+78 bps
Loan Growth (YoY)1.96%-4.39%-9.54%-12.63%-10.51%-1,247 bps
Share Growth (YoY)-7.26%-9.63%-12.51%-4.65%-5.38%+187 bps
Asset Quality
Delinquent Loans / Loans0.85%0.54%1.35%1.30%1.63%+78 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.38%0.17%0.41%0.71%0.70%+32 bps
Capital
Risk-Based Capital20.15%20.38%20.99%20.33%20.30%+15 bps
Net Worth / Assets20.15%20.38%20.99%20.33%20.30%+15 bps
Liquidity & Funding
Loans / Shares51.07%50.76%51.76%48.10%48.30%-277 bps
Liquid Assets / Assets50.83%39.28%38.27%41.57%40.84%-999 bps