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Delco Postal

Upper Darby, PA · Charter 62416

NCUA · 2 branches

Q1 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: Q1 2022, the quarter ended March 31, 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

Delco Postal

Upper Darby, PA · Charter 62416

NCUA · 2 branches

Q1 2022

$15.2MAssets
$8.6MLoans
$13.5MShares
$1.7MNet 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 -0.11%, down 15 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 1.88% of loans (+168 bps YoY).
  • Capital: net worth / assets of 11.24%, up 65 bps from a year ago.
  • Funding: loans stand at 63.73% of shares as of Q1 2022.

Financial Results

Return on Assets (YTD, annualized)

-0.11%-15 bps YoY

Net Interest Margin (YTD, annualized)

3.21%-38 bps YoY

Efficiency Ratio (YTD, annualized)

102.29%+318 bps YoY

Net Worth / Assets

11.24%+65 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2021Q2 2021Q3 2021Q4 2021Q1 2022YoY ΔTrend
Earnings
Return on Assets0.04%0.66%1.30%0.80%-0.11%-15 bps
Return on Equity0.34%6.17%11.36%6.90%-1.01%-136 bps
Net Interest Margin3.59%3.50%3.33%3.27%3.21%-38 bps
Efficiency Ratio99.11%86.30%77.17%84.77%102.29%+318 bps
Growth
Asset Growth (YoY)-1.70%-2.01%2.39%-3.02%0.83%+253 bps
Loan Growth (YoY)-7.37%-2.37%-8.27%-3.61%-3.87%+349 bps
Share Growth (YoY)-2.12%-2.69%1.36%-4.28%0.16%+228 bps
Asset Quality
Delinquent Loans / Loans0.20%1.78%1.63%1.72%1.88%+168 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.74%0.73%0.76%0.74%0.58%-16 bps
Capital
Risk-Based Capital10.58%10.63%11.46%11.58%11.24%+65 bps
Net Worth / Assets10.58%10.63%11.46%11.58%11.24%+65 bps
Liquidity & Funding
Loans / Shares66.40%66.38%65.34%67.20%63.73%-267 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps