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Jacksonville Postal & Professional

Jacksonville, FL · Charter 67298

NCUA · 3 branches

Q3 2022

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 2022, the quarter ended September 30, 2022, 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

Jacksonville Postal & Professional

Jacksonville, FL · Charter 67298

NCUA · 3 branches

Q3 2022

$43.3MAssets
$12.8MLoans
$36.2MShares
$6.5MNet Worth

Executive Summary

  • Earnings: ROA of -2.62%, down 226 bps year over year; NIM at 1.87%.
  • Asset quality: problem loans at 0.49% of loans (+48 bps YoY).
  • Capital: net worth / assets of 14.92%, down 379 bps from a year ago.
  • Funding: loans stand at 35.26% of shares as of Q3 2022.

Return on Assets (YTD, annualized)

-2.62%-226 bps YoY

Net Interest Margin (YTD, annualized)

1.87%+39 bps YoY

Efficiency Ratio (YTD, annualized)

205%+10,173 bps YoY

Net Worth / Assets

14.92%-379 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2020Q1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets0.12%0.02%-0.46%-0.36%-0.10%-0.26%-1.36%-2.62%-226 bps
Return on Equity0.57%0.11%-2.46%-1.93%-0.56%-1.32%-8.43%-17.56%-1,563 bps
Net Interest Margin1.95%1.60%1.53%1.48%1.51%1.50%1.69%1.87%+39 bps
Efficiency Ratio93.79%97.42%100.71%103.54%104.54%112.62%167.52%205%+10,173 bps
Growth
Asset Growth (YoY)7.60%8.54%6.58%6.36%4.54%5.21%-2.32%-5.09%-1,145 bps
Loan Growth (YoY)-12.96%-14.76%-13.42%-10.39%-7.06%-1.68%0.41%-5.64%+475 bps
Share Growth (YoY)9.47%11.28%9.45%8.68%6.79%5.34%0.73%-2.14%-1,082 bps
Asset Quality
Delinquent Loans / Loans0.28%0.14%0.21%0.01%0.00%0.02%0.00%0.49%+48 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.66%0.68%1.21%1.05%1.04%1.07%1.01%1.06%+2 bps
Capital
Risk-Based Capital20.31%19.48%18.84%18.70%18.58%19.25%16.13%14.92%-379 bps
Net Worth / Assets20.31%19.48%18.84%18.70%18.58%19.25%16.13%14.92%-379 bps
Liquidity & Funding
Loans / Shares42.92%38.46%36.59%36.57%37.35%35.89%36.47%35.26%-131 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps