PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 (quarter, annualized)

0.52%-169 bps YoY

Net Interest Margin (quarter, annualized)

4.05%-29 bps YoY

Efficiency Ratio (quarter, annualized)

86.61%+2,087 bps YoY

Net Worth / Assets

12.40%-31 bps YoY

Discrete quarter, annualized.

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