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Lansing Postal

Lansing, MI · Charter 62311

NCUA · 1 branch

Q1 2018

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 2018, the quarter ended March 31, 2018, 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

Lansing Postal

Lansing, MI · Charter 62311

NCUA · 1 branch

Q1 2018

$21.2MAssets
$9.9MLoans
$18.8MShares
$2.3MNet 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 -8.92%, down 883 bps year over year; NIM at 3.08%.
  • Asset quality: problem loans at 2.31% of loans (+126 bps YoY).
  • Capital: net worth / assets of 10.66%, down 144 bps from a year ago.
  • Funding: loans stand at 52.65% of shares as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

-8.92%-883 bps YoY

Net Interest Margin (YTD, annualized)

3.08%+6 bps YoY

Efficiency Ratio (YTD, annualized)

315%+21,280 bps YoY

Net Worth / Assets

10.66%-144 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets-0.09%-0.03%0.04%0.07%-8.92%-883 bps
Return on Equity-0.75%-0.27%0.30%0.54%-83.74%-8,298 bps
Net Interest Margin3.02%2.96%3.15%3.16%3.08%+6 bps
Efficiency Ratio102.28%100.69%98.10%95.58%315%+21,280 bps
Growth
Asset Growth (YoY)-0.58%1.52%-3.37%-1.98%-5.45%-487 bps
Loan Growth (YoY)-1.85%-4.41%-6.99%-8.94%-9.29%-744 bps
Share Growth (YoY)-0.40%1.66%-3.87%-1.65%-5.56%-516 bps
Asset Quality
Delinquent Loans / Loans1.05%1.61%1.93%0.85%2.31%+126 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.07%1.02%1.04%0.98%0.94%-13 bps
Capital
Risk-Based Capital12.10%12.02%12.61%12.70%10.66%-144 bps
Net Worth / Assets12.10%12.02%12.61%12.70%10.66%-144 bps
Liquidity & Funding
Loans / Shares54.81%53.80%55.71%53.87%52.65%-217 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps