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Philadelphia Post Office Employees

Philadelphia, PA · Charter 65212

NCUA · 1 branch

Q3 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: Q3 2017, the quarter ended September 30, 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

Philadelphia Post Office Employees

Philadelphia, PA · Charter 65212

NCUA · 1 branch

Q3 2017

$2.4MAssets
$424KLoans
$2.1MShares
$355KNet Worth

Executive Summary

  • Earnings: ROA of -37.88%, down 3,810 bps year over year; NIM at -34.91%.
  • Asset quality: problem loans at 0.59% of loans (+59 bps YoY).
  • Capital: net worth / assets of 14.59%, down 2,660 bps from a year ago.
  • Funding: loans stand at 20.45% of shares as of Q3 2017.

Return on Assets (YTD, annualized)

-37.88%-3,810 bps YoY

Net Interest Margin (YTD, annualized)

-34.91%-3,809 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

14.59%-2,660 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.49%0.12%0.22%0.21%0.19%-0.16%-55.08%-37.88%-3,810 bps
Return on Equity1.23%0.31%0.53%0.52%0.47%-0.39%-392%-260%-26,009 bps
Net Interest Margin3.12%3.19%3.19%3.18%3.08%2.81%-52.16%-34.91%-3,809 bps
Efficiency Ratio84.37%96.15%93.22%93.32%93.80%105.69%n/an/an/a
Growth
Asset Growth (YoY)1.23%-1.49%-2.41%-3.09%-1.63%-0.76%-0.77%-4.14%-104 bps
Loan Growth (YoY)-3.33%-7.25%-6.36%-9.48%-14.07%-14.90%-17.69%-11.66%-218 bps
Share Growth (YoY)2.00%-3.20%-4.69%-5.56%-3.07%-1.47%45.06%39.36%+4,492 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%1.21%1.06%0.62%0.59%+59 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans4.45%5.02%4.84%5.33%5.57%5.17%4.12%3.81%-152 bps
Capital
Risk-Based Capital39.97%40.42%41.18%41.19%40.82%40.85%14.05%14.59%-2,660 bps
Net Worth / Assets39.97%40.42%41.18%41.19%40.82%40.85%14.05%14.59%-2,660 bps
Liquidity & Funding
Loans / Shares34.51%32.12%34.81%32.26%30.59%27.75%19.75%20.45%-1,181 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps