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Toledo Postal Employees

Toledo, OH · Charter 63621

NCUA · 1 branch

Q3 2018

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: Q3 2018, the quarter ended September 30, 2018, 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

Toledo Postal Employees

Toledo, OH · Charter 63621

NCUA · 1 branch

Q3 2018

$3.9MAssets
$1.2MLoans
$3.0MShares
$879KNet 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 -1.14%, down 96 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 0.00% of loans (-151 bps YoY).
  • Capital: net worth / assets of 22.71%, up 214 bps from a year ago.
  • Funding: loans stand at 39.03% of shares as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

-1.14%-96 bps YoY

Net Interest Margin (YTD, annualized)

3.21%+40 bps YoY

Efficiency Ratio (YTD, annualized)

126.72%+2,353 bps YoY

Net Worth / Assets

22.71%+214 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets-0.18%-0.21%-0.11%-0.13%-1.14%-96 bps
Return on Equity-0.89%-1.02%-0.51%-0.64%-5.03%-415 bps
Net Interest Margin2.81%2.79%2.90%2.82%3.21%+40 bps
Efficiency Ratio103.20%101.09%99.37%101.93%126.72%+2,353 bps
Growth
Asset Growth (YoY)-4.68%-5.59%-5.24%-5.96%-13.02%-835 bps
Loan Growth (YoY)3.37%8.10%-0.19%-6.48%-14.89%-1,826 bps
Share Growth (YoY)-5.57%-6.65%-6.24%-7.17%-15.18%-961 bps
Asset Quality
Delinquent Loans / Loans1.51%0.74%0.79%0.00%0.00%-151 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.63%0.86%1.03%0.63%0.75%+12 bps
Capital
Risk-Based Capital20.57%20.54%20.77%20.74%22.71%+214 bps
Net Worth / Assets20.57%20.54%20.77%20.74%22.71%+214 bps
Liquidity & Funding
Loans / Shares38.90%40.07%37.90%35.94%39.03%+13 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps