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Provo Postal

Provo, UT · Charter 67128

NCUA · 4 branches

Q3 2019

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: Q3 2019, the quarter ended September 30, 2019, 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

Provo Postal

Provo, UT · Charter 67128

NCUA · 4 branches

Q3 2019

$12.9MAssets
$10.3MLoans
$12.7MShares
$171KNet 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 -6.66%, down 48 bps year over year; NIM at 4.97%.
  • Asset quality: problem loans at 5.41% of loans (+223 bps YoY).
  • Capital: net worth / assets of 1.33%, down 337 bps from a year ago.
  • Funding: loans stand at 81.55% of shares as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

-6.66%-48 bps YoY

Net Interest Margin (YTD, annualized)

4.97%-136 bps YoY

Efficiency Ratio (YTD, annualized)

67.76%+1,234 bps YoY

Net Worth / Assets

1.33%-337 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets-6.18%-3.86%-4.54%-9.65%-6.66%-48 bps
Return on Equity-131.51%-71.13%-97.44%-678%-502%-37,057 bps
Net Interest Margin6.33%6.14%5.45%5.37%4.97%-136 bps
Efficiency Ratio55.42%55.92%63.33%64.85%67.76%+1,234 bps
Growth
Asset Growth (YoY)23.38%17.25%-3.03%-17.92%-14.74%-3,811 bps
Loan Growth (YoY)26.31%12.33%-4.10%-24.83%-27.83%-5,414 bps
Share Growth (YoY)32.08%24.72%3.40%-10.13%-11.82%-4,390 bps
Asset Quality
Delinquent Loans / Loans3.18%6.35%7.23%8.76%5.41%+223 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.36%4.68%5.69%7.71%7.10%+174 bps
Capital
Risk-Based Capital4.70%5.43%4.66%1.42%1.33%-337 bps
Net Worth / Assets4.70%5.43%4.66%1.42%1.33%-337 bps
Liquidity & Funding
Loans / Shares99.64%93.60%93.18%86.62%81.55%-1,809 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps