PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Oshkosh Postal Employees

Oshkosh, WI · Charter 66418

NCUA · 1 branch

Q1 2025

$6.4MAssets
$4.3MLoans
$5.8MShares
$621KNet 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 1.07%, up 2 bps year over year; NIM at 4.62%.
  • Asset quality: problem loans at 0.44% of loans (+44 bps YoY).
  • Capital: net worth / assets of 9.70%, up 216 bps from a year ago.
  • Funding: loans stand at 73.97% of shares as of Q1 2025.

Financial Results

Return on Assets (YTD, annualized)

1.07%+2 bps YoY

Net Interest Margin (YTD, annualized)

4.62%-15 bps YoY

Efficiency Ratio (YTD, annualized)

77.79%+249 bps YoY

Net Worth / Assets

9.70%+216 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets1.05%1.03%0.39%1.57%1.07%+2 bps
Return on Equity13.89%13.08%5.49%16.49%11.00%-289 bps
Net Interest Margin4.77%5.04%4.07%5.48%4.62%-15 bps
Efficiency Ratio75.30%76.39%90.55%69.21%77.79%+249 bps
Growth
Asset Growth (YoY)-3.18%-0.34%0.00%-10.45%-7.62%-444 bps
Loan Growth (YoY)0.82%-0.77%0.00%-2.15%-3.66%-448 bps
Share Growth (YoY)-3.55%0.15%0.00%-12.48%-9.78%-623 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.66%0.00%0.44%+44 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.54%7.85%7.17%9.49%9.70%+216 bps
Net Worth / Assets7.54%7.85%7.17%9.49%9.70%+216 bps
Liquidity & Funding
Loans / Shares69.27%70.09%68.99%75.11%73.97%+470 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps