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New Jersey Postal

Hawthorne, NJ · Charter 62750

NCUA · 2 branches

Q4 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: Q4 2017, the quarter ended December 31, 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

New Jersey Postal

Hawthorne, NJ · Charter 62750

NCUA · 2 branches

Q4 2017

$85.8MAssets
$58.6MLoans
$85.5MShares
$0KNet 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 -10.39%, down 818 bps year over year; NIM at 4.11%.
  • Asset quality: problem loans at 5.83% of loans (-199 bps YoY).
  • Capital: net worth / assets of 0.00%, down 824 bps from a year ago.
  • Funding: loans stand at 68.52% of shares as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

-10.39%-818 bps YoY

Net Interest Margin (YTD, annualized)

4.11%+13 bps YoY

Efficiency Ratio (YTD, annualized)

216%+12,226 bps YoY

Net Worth / Assets

0.00%-824 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets-2.21%-3.05%-8.06%-8.54%-10.39%-818 bps
Return on Equity-26.82%-47.29%-208%-355%n/an/a
Net Interest Margin3.98%3.45%3.74%4.03%4.11%+13 bps
Efficiency Ratio94.14%98.65%94.51%164.22%216%+12,226 bps
Growth
Asset Growth (YoY)-18.27%-18.56%-22.54%-27.31%-27.01%-875 bps
Loan Growth (YoY)-15.99%-14.58%-14.77%-19.50%-19.27%-327 bps
Share Growth (YoY)-18.00%-15.79%-17.28%-20.61%-19.69%-169 bps
Asset Quality
Delinquent Loans / Loans7.82%5.80%9.41%8.88%5.83%-199 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.57%6.44%10.79%10.81%9.92%+535 bps
Capital
Risk-Based Capital8.24%6.45%3.88%2.40%0.00%-824 bps
Net Worth / Assets8.24%6.45%3.88%2.40%0.00%-824 bps
Liquidity & Funding
Loans / Shares68.16%68.12%69.23%71.59%68.52%+36 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps