PackageTrendsPeer
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Post Employees

Battle Creek, MI · Charter 62155

NCUA · 6 branches

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

Post Employees

Battle Creek, MI · Charter 62155

NCUA · 6 branches

Q3 2017

$84.8MAssets
$72.5MLoans
$74.1MShares
$10.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.64%, up 6 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.31% of loans (-67 bps YoY).
  • Capital: net worth / assets of 12.43%, up 54 bps from a year ago.
  • Funding: loans stand at 97.85% of shares as of Q3 2017.

Return on Assets (YTD, annualized)

0.64%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.85%+27 bps YoY

Efficiency Ratio (YTD, annualized)

83.53%-285 bps YoY

Net Worth / Assets

12.43%+54 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.54%0.31%0.48%0.57%0.41%0.86%0.90%0.64%+6 bps
Return on Equity4.59%2.69%4.09%4.84%3.47%7.55%7.45%5.13%+29 bps
Net Interest Margin3.48%3.55%3.58%3.58%3.63%3.51%3.67%3.85%+27 bps
Efficiency Ratio87.25%91.53%88.60%86.38%87.73%81.08%80.22%83.53%-285 bps
Growth
Asset Growth (YoY)-1.46%0.10%1.14%5.00%2.59%6.11%3.84%-0.72%-572 bps
Loan Growth (YoY)14.16%15.11%12.63%10.58%9.37%8.15%8.79%9.20%-138 bps
Share Growth (YoY)-2.62%-0.92%0.07%5.81%2.21%5.92%3.07%-0.66%-648 bps
Asset Quality
Delinquent Loans / Loans0.61%0.60%1.38%0.98%0.69%0.75%0.24%0.31%-67 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.56%0.54%0.58%0.63%0.66%0.72%0.75%0.77%+14 bps
Capital
Risk-Based Capital11.84%11.59%11.84%11.89%11.95%11.45%12.01%12.43%+54 bps
Net Worth / Assets11.84%11.59%11.84%11.89%11.95%11.45%12.01%12.43%+54 bps
Liquidity & Funding
Loans / Shares86.71%85.17%88.12%89.01%92.78%86.96%93.01%97.85%+884 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps