PackageTrendsPeer
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Indiana Postal & Federal Employees

Fort Wayne, IN · Charter 62993

Q1 2014

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 2014, the quarter ended March 31, 2014, 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

Indiana Postal & Federal Employees

Fort Wayne, IN · Charter 62993

Q1 2014

$27.0MAssets
$9.4MLoans
$25.0MShares
$1.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.21%, up 41 bps year over year; NIM at 2.50%.
  • Asset quality: problem loans at 0.18% of loans (-182 bps YoY).
  • Capital: net worth / assets of 7.10%, down 64 bps from a year ago.
  • Funding: loans stand at 37.68% of shares as of Q1 2014.

Return on Assets (YTD, annualized)

0.21%+41 bps YoY

Net Interest Margin (YTD, annualized)

2.50%-27 bps YoY

Efficiency Ratio (YTD, annualized)

93.87%-1,488 bps YoY

Net Worth / Assets

7.10%-64 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014YoY ΔTrend
Earnings
Return on Assets0.16%0.11%0.11%-0.20%-0.14%-0.74%-0.97%0.21%+41 bps
Return on Equity2.01%1.44%1.38%-2.52%-1.76%-9.78%-12.90%2.99%+551 bps
Net Interest Margin3.13%3.14%3.12%2.76%2.79%2.82%2.90%2.50%-27 bps
Efficiency Ratio96.81%97.45%97.94%108.75%104.01%104.86%102.48%93.87%-1,488 bps
Growth
Asset Growth (YoY)0.11%-1.72%0.61%0.36%1.98%0.67%-3.27%-2.12%-247 bps
Loan Growth (YoY)-8.04%-9.07%-9.65%-7.83%-10.21%-5.94%-6.30%-7.35%+49 bps
Share Growth (YoY)-0.11%-2.13%0.58%0.25%2.03%1.13%-2.70%-1.35%-161 bps
Asset Quality
Delinquent Loans / Loans1.61%0.84%0.93%2.00%1.78%1.66%0.79%0.18%-182 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.01%1.88%1.83%1.16%0.98%1.96%2.05%2.08%+92 bps
Capital
Risk-Based Capital7.84%7.92%7.98%7.74%7.84%7.54%7.49%7.10%-64 bps
Net Worth / Assets7.84%7.92%7.98%7.74%7.84%7.54%7.49%7.10%-64 bps
Liquidity & Funding
Loans / Shares45.26%44.21%43.61%40.11%39.83%41.12%41.99%37.68%-244 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps