PackageTrendsPeer
Letter portraitLegal landscape

Postal Employees

Fort Dodge, IA · Charter 63667

Q4 2011

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: Q4 2011, the quarter ended December 31, 2011, 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 2026-10-10

Postal Employees

Fort Dodge, IA · Charter 63667

Q4 2011

$1.6MAssets
$411KLoans
$1.4MShares
$185KNet 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 -0.39%, up 35 bps year over year; NIM at 2.27%.
  • Asset quality: problem loans at 1.34% of loans (-51 bps YoY).
  • Capital: net worth / assets of 11.68%, down 5 bps from a year ago.
  • Funding: loans stand at 29.35% of shares as of Q4 2011.

Financial Results

Return on Assets (YTD, annualized)

-0.39%+35 bps YoY

Net Interest Margin (YTD, annualized)

2.27%-55 bps YoY

Efficiency Ratio (YTD, annualized)

115.38%-149 bps YoY

Net Worth / Assets

11.68%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets-0.74%-3.96%-2.23%-1.17%-0.39%+35 bps
Return on Equity-6.30%-33.75%-18.03%-10.03%-3.30%+300 bps
Net Interest Margin2.82%2.48%2.52%2.30%2.27%-55 bps
Efficiency Ratio116.87%242%179.62%145.93%115.38%-149 bps
Growth
Asset Growth (YoY)0.20%-7.91%-20.12%-16.67%-2.90%-311 bps
Loan Growth (YoY)-2.05%-16.39%-8.77%-9.30%-22.81%-2,076 bps
Share Growth (YoY)1.12%-6.95%-20.91%-17.38%-2.61%-372 bps
Asset Quality
Delinquent Loans / Loans1.84%1.32%1.29%1.22%1.34%-51 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.24%1.96%2.00%1.95%2.21%-3 bps
Capital
Risk-Based Capital11.72%11.74%12.36%11.67%11.68%-5 bps
Net Worth / Assets11.72%11.74%12.36%11.67%11.68%-5 bps
Liquidity & Funding
Loans / Shares37.03%34.70%36.59%34.56%29.35%-768 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps