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Urbana Postal

Urbana, IL · Charter 64481

NCUA · 1 branch

Q1 2019

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: Q1 2019, the quarter ended March 31, 2019, 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

Urbana Postal

Urbana, IL · Charter 64481

NCUA · 1 branch

Q1 2019

$886KAssets
$492KLoans
$789KShares
$97KNet 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 -4.84%, down 569 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 1.52% of loans (-431 bps YoY).
  • Capital: net worth / assets of 10.90%, down 66 bps from a year ago.
  • Funding: loans stand at 62.33% of shares as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

-4.84%-569 bps YoY

Net Interest Margin (YTD, annualized)

4.00%-63 bps YoY

Efficiency Ratio (YTD, annualized)

97.38%+2,676 bps YoY

Net Worth / Assets

10.90%-66 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets0.85%-2.49%-1.58%-0.24%-4.84%-569 bps
Return on Equity7.38%-24.11%-16.32%-2.31%-44.35%-5,174 bps
Net Interest Margin4.63%4.52%4.37%4.25%4.00%-63 bps
Efficiency Ratio70.62%79.12%86.90%135.46%97.38%+2,676 bps
Growth
Asset Growth (YoY)-7.35%-1.43%3.54%6.12%3.12%+1,047 bps
Loan Growth (YoY)-24.06%-21.80%-17.96%-21.61%-15.52%+854 bps
Share Growth (YoY)-3.17%-0.04%5.72%7.49%3.90%+707 bps
Asset Quality
Delinquent Loans / Loans5.83%0.00%0.19%0.16%1.52%-431 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.18%2.18%2.43%2.00%2.22%-95 bps
Capital
Risk-Based Capital11.56%10.34%9.69%10.44%10.90%-66 bps
Net Worth / Assets11.56%10.34%9.69%10.44%10.90%-66 bps
Liquidity & Funding
Loans / Shares76.66%74.28%69.47%63.20%62.33%-1,433 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps