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North Hudson Postal

West New York, NJ · Charter 66220

Q4 2001

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: Q4 2001, the quarter ended December 31, 2001, 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

North Hudson Postal

West New York, NJ · Charter 66220

Q4 2001

$355KAssets
$142KLoans
$291KShares
$55KNet Worth

Executive Summary

  • Earnings: ROA of 0.28%, down 26 bps year over year; NIM at 6.81%.
  • Asset quality: problem loans at 0.42% of loans (-47 bps YoY).
  • Capital: net worth / assets of 15.49%.
  • Funding: loans stand at 48.85% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

0.28%-26 bps YoY

Net Interest Margin (YTD, annualized)

6.81%-38 bps YoY

Efficiency Ratio (YTD, annualized)

81.22%-1,150 bps YoY

Net Worth / Assets

15.49%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets3.10%2.90%3.08%0.54%0.75%0.51%0.08%0.28%-26 bps
Return on Equityn/an/an/an/an/a3.71%0.54%1.79%n/a
Net Interest Marginn/an/an/a7.19%7.17%7.49%6.86%6.81%-38 bps
Efficiency Ration/an/an/a92.72%75.69%73.48%78.25%81.22%-1,150 bps
Growth
Asset Growth (YoY)1.62%2.30%4.81%6.20%6.92%5.00%-3.06%-5.70%-1,190 bps
Loan Growth (YoY)-17.42%16.93%-11.17%-8.05%0.58%-19.11%-12.42%-16.27%-822 bps
Share Growth (YoY)0.47%1.54%5.63%8.39%8.02%5.99%-4.09%-7.22%-1,561 bps
Asset Quality
Delinquent Loans / Loans0.00%2.27%0.41%0.89%5.39%0.99%1.72%0.42%-47 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans3.50%2.99%1.99%1.49%2.68%2.08%3.20%0.51%-98 bps
Capital
Risk-Based Capitaln/an/an/an/an/a13.81%14.47%15.49%n/a
Net Worth / Assetsn/an/an/an/an/a13.81%14.47%15.49%n/a
Liquidity & Funding
Loans / Shares54.69%59.38%53.71%54.13%50.92%45.31%49.05%48.85%-528 bps
Liquid Assets / Assets40.07%36.58%43.16%31.47%43.89%60.80%58.03%57.85%+2,638 bps