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Lynn Postal District Employees

Lynn, MA · Charter 67714

NCUA · 2 branches

Q4 2020

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: Q4 2020, the quarter ended December 31, 2020, 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

Lynn Postal District Employees

Lynn, MA · Charter 67714

NCUA · 2 branches

Q4 2020

$26.7MAssets
$17.9MLoans
$21.5MShares
$4.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.33%, down 17 bps year over year; NIM at 2.57%.
  • Asset quality: problem loans at 1.29% of loans (+70 bps YoY).
  • Capital: net worth / assets of 15.07%, down 226 bps from a year ago.
  • Funding: loans stand at 83.27% of shares as of Q4 2020.

Return on Assets (YTD, annualized)

0.33%-17 bps YoY

Net Interest Margin (YTD, annualized)

2.57%-59 bps YoY

Efficiency Ratio (YTD, annualized)

86.26%+310 bps YoY

Net Worth / Assets

15.07%-226 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2019Q2 2019Q3 2019Q4 2019Q1 2020Q2 2020Q3 2020Q4 2020YoY ΔTrend
Earnings
Return on Assets0.46%0.49%0.50%0.50%0.44%0.47%0.39%0.33%-17 bps
Return on Equity2.66%2.91%2.94%2.91%2.73%2.84%2.42%2.21%-70 bps
Net Interest Margin3.19%3.08%3.10%3.16%2.85%2.88%2.78%2.57%-59 bps
Efficiency Ratio84.32%83.33%82.97%83.16%82.42%82.34%84.79%86.26%+310 bps
Growth
Asset Growth (YoY)-1.68%0.12%2.18%-1.92%10.24%5.78%7.78%17.57%+1,949 bps
Loan Growth (YoY)4.89%3.76%5.16%4.40%7.39%0.97%-0.43%-3.38%-778 bps
Share Growth (YoY)-2.49%-0.42%2.67%2.39%6.50%1.41%3.58%15.70%+1,331 bps
Asset Quality
Delinquent Loans / Loans0.16%0.63%0.80%0.60%0.49%0.63%0.31%1.29%+70 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.12%1.11%1.10%0.89%0.89%0.94%0.94%0.95%+6 bps
Capital
Risk-Based Capital17.35%16.86%16.96%17.33%16.21%16.41%16.14%15.07%-226 bps
Net Worth / Assets17.35%16.86%16.96%17.33%16.21%16.41%16.14%15.07%-226 bps
Liquidity & Funding
Loans / Shares95.55%93.39%95.21%99.71%96.35%92.98%91.52%83.27%-1,644 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps