PackageTrendsPeer
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Post Office

Madison, WI · Charter 66491

NCUA · 1 branch

Q1 2021

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 2021, the quarter ended March 31, 2021, 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

Post Office

Madison, WI · Charter 66491

NCUA · 1 branch

Q1 2021

$34.8MAssets
$15.6MLoans
$27.4MShares
$6.5MNet 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 -12.15%, down 1,233 bps year over year; NIM at -5.52%.
  • Asset quality: problem loans at 0.01% of loans (-11 bps YoY).
  • Capital: net worth / assets of 18.80%, down 388 bps from a year ago.
  • Funding: loans stand at 56.70% of shares as of Q1 2021.

Financial Results

Return on Assets (YTD, annualized)

-12.15%-1,233 bps YoY

Net Interest Margin (YTD, annualized)

-5.52%-785 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

18.80%-388 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2020Q2 2020Q3 2020Q4 2020Q1 2021YoY ΔTrend
Earnings
Return on Assets0.18%0.19%0.13%0.08%-12.15%-1,233 bps
Return on Equity0.78%0.86%0.61%0.38%-64.63%-6,541 bps
Net Interest Margin2.33%2.13%2.04%1.92%-5.52%-785 bps
Efficiency Ratio98.85%99.00%100.01%101.43%n/an/a
Growth
Asset Growth (YoY)1.07%3.17%5.95%8.02%4.06%+299 bps
Loan Growth (YoY)-14.41%-16.54%-15.47%-17.09%-29.12%-1,470 bps
Share Growth (YoY)1.62%3.66%7.86%11.69%8.61%+698 bps
Asset Quality
Delinquent Loans / Loans0.12%0.00%0.00%0.01%0.01%-11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.78%0.75%0.75%0.76%0.48%-31 bps
Capital
Risk-Based Capital22.68%22.15%21.77%21.15%18.80%-388 bps
Net Worth / Assets22.68%22.15%21.77%21.15%18.80%-388 bps
Liquidity & Funding
Loans / Shares86.88%80.48%74.14%67.51%56.70%-3,017 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps