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Stamford Postal Employees

Stamford, CT · Charter 6341

NCUA · 1 branch

Q1 2023

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 2023, the quarter ended March 31, 2023, 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

Stamford Postal Employees

Stamford, CT · Charter 6341

NCUA · 1 branch

Q1 2023

$13.0MAssets
$1.6MLoans
$10.0MShares
$2.8MNet Worth

Executive Summary

  • Earnings: ROA of -13.95%, down 1,392 bps year over year; NIM at -4.10%.
  • Asset quality: problem loans at 0.17% of loans (-69 bps YoY).
  • Capital: net worth / assets of 21.84%, down 305 bps from a year ago.
  • Funding: loans stand at 15.98% of shares as of Q1 2023.

Return on Assets (YTD, annualized)

-13.95%-1,392 bps YoY

Net Interest Margin (YTD, annualized)

-4.10%-548 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

21.84%-305 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2021Q3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022Q1 2023YoY ΔTrend
Earnings
Return on Assets-0.25%-0.22%-0.28%-0.03%-0.35%-0.17%-0.36%-13.95%-1,392 bps
Return on Equity-1.01%-0.87%-1.14%-0.12%-1.45%-0.71%-1.41%-63.86%-6,374 bps
Net Interest Margin1.89%1.92%1.87%1.38%1.55%1.68%1.85%-4.10%-548 bps
Efficiency Ratio110.99%108.91%111.89%100.95%114.98%106.96%112.58%n/an/a
Growth
Asset Growth (YoY)5.99%5.73%8.85%3.22%1.40%0.52%-4.16%-3.19%-642 bps
Loan Growth (YoY)-19.75%-13.42%-10.49%-13.01%-9.50%-14.62%-11.15%-9.98%+303 bps
Share Growth (YoY)8.89%8.30%12.48%4.68%2.29%1.02%-5.04%-1.60%-628 bps
Asset Quality
Delinquent Loans / Loans0.62%0.68%0.93%0.87%1.20%1.14%0.75%0.17%-69 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.90%0.93%0.88%1.02%0.80%0.97%0.89%0.00%-102 bps
Capital
Risk-Based Capital24.59%24.84%24.84%24.88%23.91%24.45%25.56%21.84%-305 bps
Net Worth / Assets24.59%24.84%24.84%24.88%23.91%24.45%25.56%21.84%-305 bps
Liquidity & Funding
Loans / Shares19.75%19.91%18.57%17.47%17.47%16.83%17.37%15.98%-149 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps