PackageTrendsPeer
Letter portraitLegal landscape

Raleigh Post Office Employees

Raleigh, NC · Charter 63524

Q1 2008

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 2008, the quarter ended March 31, 2008, 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

Raleigh Post Office Employees

Raleigh, NC · Charter 63524

Q1 2008

$2.1MAssets
$1.6MLoans
$1.9MShares
$192KNet 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 -1.55%, down 127 bps year over year; NIM at 5.89%.
  • Asset quality: problem loans at 0.67% of loans (-92 bps YoY).
  • Capital: net worth / assets of 9.25%, down 111 bps from a year ago.
  • Funding: loans stand at 86.96% of shares as of Q1 2008.

Financial Results

Return on Assets (YTD, annualized)

-1.55%-127 bps YoY

Net Interest Margin (YTD, annualized)

5.89%-134 bps YoY

Efficiency Ratio (YTD, annualized)

122.32%+1,893 bps YoY

Net Worth / Assets

9.25%-111 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008YoY ΔTrend
Earnings
Return on Assets-0.28%-0.29%-0.12%-0.44%-1.55%-127 bps
Return on Equity-2.73%-2.82%-1.14%-4.38%-16.81%-1,408 bps
Net Interest Margin7.24%7.25%7.07%7.23%5.89%-134 bps
Efficiency Ratio103.39%103.51%101.41%105.22%122.32%+1,893 bps
Growth
Asset Growth (YoY)-12.49%-14.18%-2.75%-2.57%2.46%+1,495 bps
Loan Growth (YoY)-4.10%-5.29%-0.97%3.82%-6.62%-252 bps
Share Growth (YoY)-12.54%-14.14%-1.76%-2.40%3.87%+1,641 bps
Asset Quality
Delinquent Loans / Loans1.59%1.49%1.19%1.01%0.67%-92 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.34%1.40%1.37%1.35%1.36%+2 bps
Capital
Risk-Based Capital10.36%10.43%10.18%10.14%9.25%-111 bps
Net Worth / Assets10.36%10.43%10.18%10.14%9.25%-111 bps
Liquidity & Funding
Loans / Shares96.73%94.32%94.76%98.97%86.96%-977 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps