PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Charleston Postal Employees C. U.

Charleston, WV · Charter 68013

Q1 2005

$3.9MAssets
$2.1MLoans
$3.5MShares
$332KNet 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 0.40%, up 16 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 2.27% of loans (+107 bps YoY).
  • Capital: net worth / assets of 8.53%, up 31 bps from a year ago.
  • Funding: loans stand at 59.81% of shares as of Q1 2005.

Financial Results

Return on Assets (quarter, annualized)

0.40%+16 bps YoY

Net Interest Margin (quarter, annualized)

3.85%+59 bps YoY

Efficiency Ratio (quarter, annualized)

82.10%-961 bps YoY

Net Worth / Assets

8.53%+31 bps YoY

Discrete quarter, annualized.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets0.24%0.33%0.27%0.25%0.40%+16 bps
Return on Equity2.89%3.91%3.06%2.88%4.68%+179 bps
Net Interest Margin3.26%3.45%3.70%3.66%3.85%+59 bps
Efficiency Ratio91.71%89.33%91.26%92.58%82.10%-961 bps
Growth
Asset Growth (YoY)-2.50%-3.18%-8.16%-5.24%-0.37%+214 bps
Loan Growth (YoY)1.63%13.05%13.93%15.15%8.83%+720 bps
Share Growth (YoY)-2.23%-4.41%-8.54%-5.88%-0.83%+140 bps
Asset Quality
Delinquent Loans / Loans1.21%0.99%0.98%1.08%2.27%+107 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.72%0.75%0.81%0.81%1.09%+37 bps
Capital
Risk-Based Capital8.22%8.48%8.79%8.65%8.53%+31 bps
Net Worth / Assets8.22%8.48%8.79%8.65%8.53%+31 bps
Liquidity & Funding
Loans / Shares54.50%63.03%64.89%63.94%59.81%+531 bps
Liquid Assets / Assets47.69%40.57%37.98%39.19%42.52%-516 bps