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Newport Postal

Newport, KY · Charter 62583

Q4 2004

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: Q4 2004, the quarter ended December 31, 2004, 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

Newport Postal

Newport, KY · Charter 62583

Q4 2004

$222KAssets
$71KLoans
$146KShares
$76KNet 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 -1.01%, down 42 bps year over year; NIM at 6.35%.
  • Asset quality: problem loans at 5.10% of loans (+404 bps YoY).
  • Capital: net worth / assets of 34.06%, up 1,241 bps from a year ago.
  • Funding: loans stand at 48.56% of shares as of Q4 2004.

Financial Results

Return on Assets (YTD, annualized)

-1.01%-42 bps YoY

Net Interest Margin (YTD, annualized)

6.35%+81 bps YoY

Efficiency Ratio (YTD, annualized)

100.68%-101 bps YoY

Net Worth / Assets

34.06%+1,241 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets-0.59%0.32%-1.98%-1.44%-1.01%-42 bps
Return on Equity-2.72%1.50%-9.15%-5.79%-2.96%-24 bps
Net Interest Margin5.54%4.08%4.22%4.67%6.35%+81 bps
Efficiency Ratio101.69%105.56%117.49%110.50%100.68%-101 bps
Growth
Asset Growth (YoY)-22.70%-27.26%-24.49%-25.93%-38.41%-1,571 bps
Loan Growth (YoY)-33.72%-38.22%-35.48%-26.33%-34.44%-72 bps
Share Growth (YoY)-27.05%-32.03%-28.59%-30.82%-47.98%-2,093 bps
Asset Quality
Delinquent Loans / Loans1.07%5.36%3.29%2.22%5.10%+404 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.84%4.09%8.09%8.19%9.05%+521 bps
Capital
Risk-Based Capital21.65%21.43%21.69%24.87%34.06%+1,241 bps
Net Worth / Assets21.65%21.43%21.69%24.87%34.06%+1,241 bps
Liquidity & Funding
Loans / Shares38.53%32.47%33.02%38.92%48.56%+1,003 bps
Liquid Assets / Assets68.54%70.18%50.63%44.43%67.99%-55 bps