PackageTrendsPeer
Letter portraitLegal landscape

Lorain County Postal Employees

Elyria, OH · Charter 62213

Q1 2012

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 2012, the quarter ended March 31, 2012, 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

Lorain County Postal Employees

Elyria, OH · Charter 62213

Q1 2012

$1.7MAssets
$618KLoans
$1.3MShares
$484KNet Worth

Executive Summary

  • Earnings: ROA of 0.62%, down 28 bps year over year; NIM at 2.69%.
  • Asset quality: problem loans at 1.42% of loans (+45 bps YoY).
  • Capital: net worth / assets of 27.77%, down 35 bps from a year ago.
  • Funding: loans stand at 49.18% of shares as of Q1 2012.

Return on Assets (YTD, annualized)

0.62%-28 bps YoY

Net Interest Margin (YTD, annualized)

2.69%-57 bps YoY

Efficiency Ratio (YTD, annualized)

76.88%+446 bps YoY

Net Worth / Assets

27.77%-35 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q3 2010Q1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets0.64%0.22%0.34%0.90%0.82%0.51%0.27%0.62%-28 bps
Return on Equity2.42%0.83%1.22%3.20%2.92%1.84%0.96%2.24%-96 bps
Net Interest Margin3.50%2.97%3.27%3.26%3.16%3.09%3.06%2.69%-57 bps
Efficiency Ratio81.62%92.63%85.64%72.43%74.01%83.52%90.93%76.88%+446 bps
Growth
Asset Growth (YoY)3.19%6.69%-0.25%-0.16%-2.91%-3.08%0.47%2.64%+280 bps
Loan Growth (YoY)-7.32%-2.68%1.00%-10.11%-8.39%-9.61%-17.44%-6.94%+317 bps
Share Growth (YoY)3.58%8.59%-1.04%-0.99%-4.75%-5.05%-0.06%3.16%+414 bps
Asset Quality
Delinquent Loans / Loans0.35%0.32%1.31%0.97%1.33%1.72%1.38%1.42%+45 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.23%1.21%0.88%0.97%1.01%0.97%1.03%1.01%+4 bps
Capital
Risk-Based Capital26.63%26.26%27.61%28.12%28.19%27.76%28.02%27.77%-35 bps
Net Worth / Assets26.63%26.26%27.61%28.12%28.19%27.76%28.02%27.77%-35 bps
Liquidity & Funding
Loans / Shares54.42%54.33%59.56%54.51%52.35%51.72%49.20%49.18%-533 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps