PackageTrendsPeer
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Elizabeth Postal Employees

Elizabeth, NJ · Charter 66160

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

Elizabeth Postal Employees

Elizabeth, NJ · Charter 66160

NCUA · 1 branch

Q3 2017

$684KAssets
$195KLoans
$480KShares
$202KNet Worth

Executive Summary

  • Earnings: ROA of -0.10%, down 57 bps year over year; NIM at 4.64%.
  • Asset quality: problem loans at 9.25% of loans (+916 bps YoY).
  • Capital: net worth / assets of 29.46%, up 105 bps from a year ago.
  • Funding: loans stand at 40.67% of shares as of Q3 2017.

Return on Assets (YTD, annualized)

-0.10%-57 bps YoY

Net Interest Margin (YTD, annualized)

4.64%-24 bps YoY

Efficiency Ratio (YTD, annualized)

102.19%+1,174 bps YoY

Net Worth / Assets

29.46%+105 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.60%0.18%0.38%0.47%0.55%0.32%0.27%-0.10%-57 bps
Return on Equity2.43%0.68%1.35%1.67%1.95%1.15%0.99%-0.34%-200 bps
Net Interest Margin4.62%4.42%4.76%4.88%4.86%4.58%4.42%4.64%-24 bps
Efficiency Ratio87.30%96.01%92.07%90.45%88.94%93.11%94.03%102.19%+1,174 bps
Growth
Asset Growth (YoY)7.28%-1.05%-8.82%-10.19%-10.27%-4.18%6.97%-3.12%+707 bps
Loan Growth (YoY)-9.34%-11.44%-10.90%-7.55%-6.30%-6.14%-11.43%-17.51%-997 bps
Share Growth (YoY)9.36%-1.81%-12.25%-13.97%-14.15%-6.17%9.51%-3.93%+1,004 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%1.36%0.10%0.10%4.31%1.27%9.25%+916 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans5.40%6.19%6.14%6.11%6.26%6.84%7.05%7.50%+139 bps
Capital
Risk-Based Capital24.64%26.08%28.36%28.41%28.01%27.79%26.99%29.46%+105 bps
Net Worth / Assets24.64%26.08%28.36%28.41%28.01%27.79%26.99%29.46%+105 bps
Liquidity & Funding
Loans / Shares41.29%40.77%47.18%47.37%45.06%40.78%38.16%40.67%-670 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps