PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Kenosha Postal Employees

Kenosha, WI · Charter 66641

NCUA · 2 branches

Q2 2016

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

Financial Results

Return on Assets (quarter, annualized)

0.06%+5 bps YoY

Net Interest Margin (quarter, annualized)

3.34%+110 bps YoY

Efficiency Ratio (quarter, annualized)

70.38%-2,912 bps YoY

Net Worth / Assets

23.36%+205 bps YoY

Discrete quarter, annualized.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets0.01%0.01%0.00%0.00%0.06%+5 bps
Return on Equity0.05%0.06%0.00%0.00%0.26%+21 bps
Net Interest Margin2.24%2.37%2.61%3.25%3.34%+110 bps
Efficiency Ratio99.50%90.44%87.91%74.58%70.38%-2,912 bps
Growth
Asset Growth (YoY)-5.69%-3.92%-5.98%-1.47%-8.68%-299 bps
Loan Growth (YoY)12.35%3.92%-3.69%-5.94%-15.04%-2,740 bps
Share Growth (YoY)-7.37%-5.16%-7.62%-1.85%-10.95%-358 bps
Asset Quality
Delinquent Loans / Loans2.34%5.20%6.92%11.54%11.30%+896 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.00%1.28%1.52%1.89%2.30%+130 bps
Capital
Risk-Based Capital21.31%20.75%21.73%21.92%23.36%+205 bps
Net Worth / Assets21.31%20.75%21.73%21.92%23.36%+205 bps
Liquidity & Funding
Loans / Shares98.61%89.98%93.22%89.90%94.08%-453 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps