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Holyoke Postal

Holyoke, MA · Charter 67845

NCUA · 1 branch

Q1 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: Q1 2022, the quarter ended March 31, 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

Holyoke Postal

Holyoke, MA · Charter 67845

NCUA · 1 branch

Q1 2022

$2.9MAssets
$485KLoans
$2.1MShares
$724KNet 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 -0.44%, up 40 bps year over year; NIM at 1.41%.
  • Asset quality: problem loans at 1.90% of loans (+144 bps YoY).
  • Capital: net worth / assets of 25.38%, up 217 bps from a year ago.
  • Funding: loans stand at 22.80% of shares as of Q1 2022.

Financial Results

Return on Assets (YTD, annualized)

-0.44%+40 bps YoY

Net Interest Margin (YTD, annualized)

1.41%+62 bps YoY

Efficiency Ratio (YTD, annualized)

131.25%-7,580 bps YoY

Net Worth / Assets

25.38%+217 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2021Q2 2021Q3 2021Q4 2021Q1 2022YoY ΔTrend
Earnings
Return on Assets-0.84%-0.62%-0.48%-0.54%-0.44%+40 bps
Return on Equity-3.62%-2.74%-2.09%-2.20%-1.73%+189 bps
Net Interest Margin0.78%1.13%1.25%1.38%1.41%+62 bps
Efficiency Ratio207%146.47%133.25%131.06%131.25%-7,580 bps
Growth
Asset Growth (YoY)9.05%6.97%4.76%-4.66%-10.08%-1,913 bps
Loan Growth (YoY)1.30%4.22%-10.53%-12.53%-4.12%-542 bps
Share Growth (YoY)12.14%9.38%6.64%-5.38%-12.60%-2,475 bps
Asset Quality
Delinquent Loans / Loans0.46%0.43%0.39%0.00%1.90%+144 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.92%1.15%1.21%1.20%1.16%+24 bps
Capital
Risk-Based Capital23.21%22.75%22.94%24.51%25.38%+217 bps
Net Worth / Assets23.21%22.75%22.94%24.51%25.38%+217 bps
Liquidity & Funding
Loans / Shares20.78%21.65%20.89%20.92%22.80%+202 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps