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Stockton Postal

Stockton, CA · Charter 64411

NCUA · 2 branches

Q2 2016

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 2016, the quarter ended June 30, 2016, 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

Stockton Postal

Stockton, CA · Charter 64411

NCUA · 2 branches

Q2 2016

$20.9MAssets
$5.2MLoans
$19.5MShares
$1.4MNet 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 -2.50%, down 196 bps year over year; NIM at 2.21%.
  • Asset quality: problem loans at 0.02% of loans (-9 bps YoY).
  • Capital: net worth / assets of 6.59%, down 158 bps from a year ago.
  • Funding: loans stand at 26.44% of shares as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

-2.50%-196 bps YoY

Net Interest Margin (YTD, annualized)

2.21%-69 bps YoY

Efficiency Ratio (YTD, annualized)

191.67%+4,260 bps YoY

Net Worth / Assets

6.59%-158 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets-0.54%-0.86%-1.06%-1.09%-2.50%-196 bps
Return on Equity-6.61%-10.82%-14.27%-16.09%-37.84%-3,124 bps
Net Interest Margin2.89%2.87%2.81%2.11%2.21%-69 bps
Efficiency Ratio149.07%145.38%145.02%141.71%191.67%+4,260 bps
Growth
Asset Growth (YoY)-2.63%-2.16%-0.61%-3.45%4.44%+707 bps
Loan Growth (YoY)-16.58%-16.02%-15.36%-19.62%-15.41%+117 bps
Share Growth (YoY)1.81%-1.02%0.47%-1.77%6.41%+460 bps
Asset Quality
Delinquent Loans / Loans0.10%0.14%1.93%0.03%0.02%-9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.92%4.06%4.12%3.79%4.00%+8 bps
Capital
Risk-Based Capital8.17%7.90%7.43%6.77%6.59%-158 bps
Net Worth / Assets8.17%7.90%7.43%6.77%6.59%-158 bps
Liquidity & Funding
Loans / Shares33.26%32.57%31.20%27.65%26.44%-682 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps