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Post Office Employees'

Metairie, LA · Charter 63069

NCUA · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the New Orleans-Metairie, LA area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the New Orleans-Metairie, LA area (n=28 to 29). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

31

Q2 2024Q2 2026peer median (50)

Asset Quality

83

Q2 2024Q2 2026peer median (50)

Profitability

54

Q2 2024Q2 2026peer median (50)

Liquidity

97

Q2 2024Q2 2026peer median

Efficiency

52

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

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

Post Office Employees'

Metairie, LA · Charter 63069

NCUA · 3 branches

Q2 2026

$54.7MAssets
$32.4MLoans
$47.3MShares
$6.8MNet 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 0.52%, down 169 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 0.18% of loans (-13 bps YoY).
  • Capital: net worth / assets of 12.40%, down 31 bps from a year ago.
  • Funding: loans stand at 68.60% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.52%-169 bps YoY

Net Interest Margin (YTD, annualized)

4.05%-29 bps YoY

Efficiency Ratio (YTD, annualized)

86.61%+2,087 bps YoY

Net Worth / Assets

12.40%-31 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.20%1.58%1.20%0.44%0.52%-169 bps
Return on Equity17.32%12.73%9.60%3.59%4.16%-1,315 bps
Net Interest Margin4.35%4.15%4.07%3.99%4.05%-29 bps
Efficiency Ratio65.73%72.02%76.38%89.02%86.61%+2,087 bps
Growth
Asset Growth (YoY)4.49%7.57%5.93%4.47%5.81%+131 bps
Loan Growth (YoY)5.03%5.99%4.50%5.48%5.56%+53 bps
Share Growth (YoY)3.58%7.27%5.45%3.48%6.23%+264 bps
Asset Quality
Delinquent Loans / Loans0.31%0.21%0.31%0.74%0.18%-13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.72%12.39%12.51%12.37%12.40%-31 bps
Net Worth / Assets12.72%12.39%12.51%12.37%12.40%-31 bps
Liquidity & Funding
Loans / Shares69.04%67.84%68.18%67.24%68.60%-43 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Post Office Employees'

Metairie, LA · Charter 63069 · Peer group: credit unions under $1B in assets in the New Orleans-Metairie, LA area (n=28-29)

NCUA · 3 branches

Q2 2026

$54.7MAssets
$32.4MLoans
$47.3MShares
$6.8MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 83% of credit unions under $1B in assets in the New Orleans-Metairie, LA area (rank 6 of 29).
  • Widest gap: equity / assets trails 69% of credit unions under $1B in assets in the New Orleans-Metairie, LA area (rank 20 of 29).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.52%

Rank 11 of 29

Net Interest Margin

4.05%

Rank 20 of 29

Efficiency Ratio

86.62%

Rank 15 of 29

Equity / Assets

12.40%

Rank 20 of 29

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.52%-0.27%0.39%0.68%Beats 62%11 / 29
Return on Equity4.16%0.64%2.28%5.24%Beats 68%9 / 28
Net Interest Margin4.05%3.88%4.49%4.89%Beats 31%20 / 29
Efficiency Ratio86.62%77.78%86.62%97.23%Beats 52%15 / 29
Asset Quality
Nonperforming Loans / Loans0.18%0.22%1.19%2.21%Beats 83%6 / 29
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.40%11.89%14.07%21.10%Beats 31%20 / 29
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.40%11.89%14.07%21.10%Beats 31%20 / 29
Liquidity & Funding
Loans / Deposits68.60%45.57%67.88%82.54%52nd pctl14 / 29
Loans / Assets59.33%34.60%52.32%69.33%59th pctl12 / 29
Brokered Deposits / Depositsn/aNot reported for this institution