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Quincy Postal Employees

Quincy, IL · Charter 63378

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

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 (n=1,681 to 1,683). 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

76

Q2 2024Q2 2026peer median (50)

Asset Quality

9

Q2 2024Q2 2026peer median (50)

Profitability

22

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

15

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

Quincy Postal Employees

Quincy, IL · Charter 63378

NCUA · 1 branch

Q2 2026

$2.2MAssets
$478KLoans
$1.8MShares
$372KNet Worth

Executive Summary

  • Earnings: ROA of 0.30%, down 162 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 2.67% of loans (+267 bps YoY).
  • Capital: net worth / assets of 16.82%, up 28 bps from a year ago.
  • Funding: loans stand at 26.03% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.30%-162 bps YoY

Net Interest Margin (YTD, annualized)

3.40%-107 bps YoY

Efficiency Ratio (YTD, annualized)

90.48%+2,200 bps YoY

Net Worth / Assets

16.82%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.48%1.54%1.48%1.92%1.55%1.23%0.37%0.30%-162 bps
Return on Equity11.80%11.43%10.93%11.58%9.04%7.27%2.20%1.79%-980 bps
Net Interest Margin3.93%4.15%4.02%4.47%4.36%4.08%3.51%3.40%-107 bps
Efficiency Ratio62.69%63.08%63.55%68.48%72.42%76.24%89.68%90.48%+2,200 bps
Growth
Asset Growth (YoY)3.79%1.94%3.21%-15.49%-19.33%-13.65%-14.61%0.82%+1,631 bps
Loan Growth (YoY)2.37%-11.39%-21.51%-26.72%-27.41%-28.00%-33.93%-29.11%-239 bps
Share Growth (YoY)9.99%0.41%1.81%-19.53%-23.60%-17.01%-17.75%0.49%+2,002 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%2.81%2.67%+267 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.97%0.99%1.05%0.37%0.40%0.43%0.50%0.59%+21 bps
Capital
Risk-Based Capital12.53%13.50%13.52%16.54%17.15%16.86%16.70%16.82%+28 bps
Net Worth / Assets12.53%13.50%13.52%16.54%17.15%16.86%16.70%16.82%+28 bps
Liquidity & Funding
Loans / Shares37.04%36.70%33.51%36.90%35.19%31.84%26.92%26.03%-1,087 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%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

Quincy Postal Employees

Quincy, IL · Charter 63378 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$2.2MAssets
$478KLoans
$1.8MShares
$372KNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 76% of credit unions under $1B in assets (rank 398 of 1683).
  • Widest gap: nonperforming loans / loans trails 91% of credit unions under $1B in assets (rank 1526 of 1682).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.27%

Rank 1,332 of 1,683

Net Interest Margin

3.35%

Rank 1,250 of 1,683

Efficiency Ratio

91.89%

Rank 1,435 of 1,682

Equity / Assets

16.82%

Rank 398 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.27%0.35%0.74%1.18%Beats 21%1,332 / 1,683
Return on Equity1.61%2.67%5.89%8.74%Beats 18%1,376 / 1,681
Net Interest Margin3.35%3.31%3.82%4.32%Beats 26%1,250 / 1,683
Efficiency Ratio91.89%68.91%78.20%86.93%Beats 15%1,435 / 1,682
Asset Quality
Nonperforming Loans / Loans2.72%0.26%0.65%1.29%Beats 9%1,526 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio16.82%10.44%12.89%16.53%Beats 76%398 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets16.82%10.44%12.89%16.53%Beats 76%398 / 1,683
Liquidity & Funding
Loans / Deposits26.01%52.61%69.38%83.50%3rd pctl1,626 / 1,683
Loans / Assets21.62%44.71%59.18%70.72%3rd pctl1,629 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution