PackageTrendsPeer
Letter portraitLegal landscape

Danville Postal Credit Union Inc.

Danville, VA · Charter 66939

Q1 2008

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 2008, the quarter ended March 31, 2008, 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

Danville Postal Credit Union Inc.

Danville, VA · Charter 66939

Q1 2008

$753KAssets
$578KLoans
$727KShares
$24KNet 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 -57.23%, down 5,520 bps year over year; NIM at 6.47%.
  • Asset quality: problem loans at 3.62% of loans (-521 bps YoY).
  • Capital: net worth / assets of 3.21%, down 1,793 bps from a year ago.
  • Funding: loans stand at 79.44% of shares as of Q1 2008.

Financial Results

Return on Assets (YTD, annualized)

-57.23%-5,520 bps YoY

Net Interest Margin (YTD, annualized)

6.47%+98 bps YoY

Efficiency Ratio (YTD, annualized)

145.76%+1,741 bps YoY

Net Worth / Assets

3.21%-1,793 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008YoY ΔTrend
Earnings
Return on Assets-2.03%-0.81%-14.08%-10.95%-57.23%-5,520 bps
Return on Equity-9.62%-3.69%-107.82%-84.42%-1781%-177,162 bps
Net Interest Margin5.49%6.10%5.68%5.60%6.47%+98 bps
Efficiency Ratio128.35%109.28%118.48%118.75%145.76%+1,741 bps
Growth
Asset Growth (YoY)-11.03%-10.98%-17.32%-13.47%-33.95%-2,292 bps
Loan Growth (YoY)-6.86%-13.79%-10.88%-22.51%-35.91%-2,906 bps
Share Growth (YoY)-17.21%-19.39%-19.49%-17.70%-14.92%+229 bps
Asset Quality
Delinquent Loans / Loans8.83%11.88%15.53%11.91%3.62%-521 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.27%2.56%13.84%6.60%12.80%+1,054 bps
Capital
Risk-Based Capital21.14%21.90%13.06%12.98%3.21%-1,793 bps
Net Worth / Assets21.14%21.90%13.06%12.98%3.21%-1,793 bps
Liquidity & Funding
Loans / Shares105.47%107.32%113.07%99.95%79.44%-2,602 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps