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Yonkers Postal Employees

Yonkers, NY · Charter 63918

NCUA · 1 branch

Q2 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: Q2 2023, the quarter ended June 30, 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 2026-10-10

Yonkers Postal Employees

Yonkers, NY · Charter 63918

NCUA · 1 branch

Q2 2023

$6.0MAssets
$1.1MLoans
$4.7MShares
$1.2MNet 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 -1.59%, down 212 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 5.10% of loans (+19 bps YoY).
  • Capital: net worth / assets of 20.09%, up 175 bps from a year ago.
  • Funding: loans stand at 23.27% of shares as of Q2 2023.

Financial Results

Return on Assets (YTD, annualized)

-1.59%-212 bps YoY

Net Interest Margin (YTD, annualized)

3.13%+83 bps YoY

Efficiency Ratio (YTD, annualized)

101.60%+1,692 bps YoY

Net Worth / Assets

20.09%+175 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2022Q3 2022Q4 2022Q1 2023Q2 2023YoY ΔTrend
Earnings
Return on Assets0.54%0.43%0.42%-2.11%-1.59%-212 bps
Return on Equity2.93%2.33%2.19%-10.91%-7.89%-1,082 bps
Net Interest Margin2.31%2.39%2.58%3.15%3.13%+83 bps
Efficiency Ratio84.68%87.36%87.87%121.04%101.60%+1,692 bps
Growth
Asset Growth (YoY)-1.51%0.99%-1.95%-5.20%-11.54%-1,004 bps
Loan Growth (YoY)-11.23%-5.43%0.92%2.48%-0.96%+1,027 bps
Share Growth (YoY)-1.52%1.37%-2.09%-5.61%-13.57%-1,205 bps
Asset Quality
Delinquent Loans / Loans4.91%6.39%8.37%7.43%5.10%+19 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans9.33%8.85%7.39%9.75%11.97%+263 bps
Capital
Risk-Based Capital18.33%18.30%19.10%19.33%20.09%+175 bps
Net Worth / Assets18.33%18.30%19.10%19.33%20.09%+175 bps
Liquidity & Funding
Loans / Shares20.31%21.41%22.16%21.93%23.27%+296 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps