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Kenosha Postal Employees

Kenosha, WI · Charter 66641

NCUA · 2 branches

Q2 2016

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: Q2 2016, the quarter ended June 30, 2016, 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

Kenosha Postal Employees

Kenosha, WI · Charter 66641

NCUA · 2 branches

Q2 2016

$1.4MAssets
$980KLoans
$1.0MShares
$319KNet Worth

Executive Summary

  • Earnings: ROA of 0.06%, up 5 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 11.30% of loans (+896 bps YoY).
  • Capital: net worth / assets of 23.36%, up 205 bps from a year ago.
  • Funding: loans stand at 94.08% of shares as of Q2 2016.

Return on Assets (YTD, annualized)

0.06%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.34%+110 bps YoY

Efficiency Ratio (YTD, annualized)

70.38%-2,912 bps YoY

Net Worth / Assets

23.36%+205 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets0.00%0.01%0.02%0.01%0.01%0.00%0.00%0.06%+5 bps
Return on Equity0.01%0.03%0.11%0.05%0.06%0.00%0.00%0.26%+21 bps
Net Interest Margin1.91%2.01%2.24%2.24%2.37%2.61%3.25%3.34%+110 bps
Efficiency Ratio96.28%96.14%98.99%99.50%90.44%87.91%74.58%70.38%-2,912 bps
Growth
Asset Growth (YoY)-3.41%0.37%-6.02%-5.69%-3.92%-5.98%-1.47%-8.68%-299 bps
Loan Growth (YoY)20.91%9.51%3.13%12.35%3.92%-3.69%-5.94%-15.04%-2,740 bps
Share Growth (YoY)-4.21%0.47%-7.68%-7.37%-5.16%-7.62%-1.85%-10.95%-358 bps
Asset Quality
Delinquent Loans / Loans0.47%0.07%0.06%2.34%5.20%6.92%11.54%11.30%+896 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.07%1.04%1.07%1.00%1.28%1.52%1.89%2.30%+130 bps
Capital
Risk-Based Capital19.92%20.43%21.60%21.31%20.75%21.73%21.92%23.36%+205 bps
Net Worth / Assets19.92%20.43%21.60%21.31%20.75%21.73%21.92%23.36%+205 bps
Liquidity & Funding
Loans / Shares82.12%89.42%93.81%98.61%89.98%93.22%89.90%94.08%-453 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps