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Alexandria Postal Credit Union Inc.

Alexandria, VA · Charter 66889

Q1 2003

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 2003, the quarter ended March 31, 2003, 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

Alexandria Postal Credit Union Inc.

Alexandria, VA · Charter 66889

Q1 2003

$859KAssets
$481KLoans
$938KShares
$-72KNet 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 -30.28%, down 3,700 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 45.14% of loans (+4,397 bps YoY).
  • Capital: net worth / assets of -8.41%, down 3,610 bps from a year ago.
  • Funding: loans stand at 51.26% of shares as of Q1 2003.

Financial Results

Return on Assets (YTD, annualized)

-30.28%-3,700 bps YoY

Net Interest Margin (YTD, annualized)

4.08%-268 bps YoY

Efficiency Ratio (YTD, annualized)

147.68%+10,082 bps YoY

Net Worth / Assets

-8.41%-3,610 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2001Q2 2002Q3 2002Q4 2002Q1 2003YoY ΔTrend
Earnings
Return on Assets6.72%-1.43%-2.29%-9.04%-30.28%-3,700 bps
Return on Equity24.26%-7.93%-12.35%-74.95%n/an/a
Net Interest Margin6.76%6.63%6.33%6.01%4.08%-268 bps
Efficiency Ratio46.86%121.40%135.38%214%147.68%+10,082 bps
Growth
Asset Growth (YoY)-7.00%3.36%-8.72%-12.94%-41.65%-3,464 bps
Loan Growth (YoY)36.33%22.13%-7.27%-47.48%-64.14%-10,046 bps
Share Growth (YoY)-3.33%7.64%-5.82%-3.05%-21.11%-1,779 bps
Asset Quality
Delinquent Loans / Loans1.17%32.71%40.66%52.37%45.14%+4,397 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.20%2.18%2.33%4.23%18.83%+1,863 bps
Capital
Risk-Based Capital27.69%18.00%18.57%12.06%-8.41%-3,610 bps
Net Worth / Assets27.69%18.00%18.57%12.06%-8.41%-3,610 bps
Liquidity & Funding
Loans / Shares112.74%98.18%103.37%63.79%51.26%-6,148 bps
Liquid Assets / Assets0.00%17.22%13.66%42.23%49.64%+4,964 bps