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Letter portraitLegal landscape

Jamestown Post Office Employees

Jamestown, NY · Charter 63761

NCUA · 1 branch

Q4 2017

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 2017, the quarter ended December 31, 2017, 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

Jamestown Post Office Employees

Jamestown, NY · Charter 63761

NCUA · 1 branch

Q4 2017

$18KAssets
$0KLoans
$0KShares
$18KNet 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 -3387.82%, down 338,777 bps year over year; NIM at -1621.64%.
  • Capital: net worth / assets of 100.00%, up 8,716 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

-3388%-338,777 bps YoY

Net Interest Margin (YTD, annualized)

-1622%-162,464 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

100.00%+8,716 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets-0.05%0.01%-21.99%-70.56%-3388%-338,777 bps
Return on Equity-0.38%0.09%-22.73%-73.06%-3388%-338,744 bps
Net Interest Margin3.01%2.81%19.80%19.10%-1622%-162,464 bps
Efficiency Ratio101.41%99.61%244%n/an/an/a
Growth
Asset Growth (YoY)5.41%5.87%-87.35%-91.54%-99.63%-10,504 bps
Loan Growth (YoY)-9.39%-11.33%-100.00%-100.00%-100.00%-9,061 bps
Share Growth (YoY)6.28%6.81%-99.62%-99.67%-100.00%-10,628 bps
Asset Quality
Delinquent Loans / Loans1.48%1.54%n/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.27%0.29%n/an/an/an/a
Capital
Risk-Based Capital12.84%12.76%96.76%96.59%100.00%+8,716 bps
Net Worth / Assets12.84%12.76%96.76%96.59%100.00%+8,716 bps
Liquidity & Funding
Loans / Shares28.52%26.99%0.00%0.00%n/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps