PackageTrendsPeer
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Huntington Postal Credit Union

Huntington, WV · Charter 68110

Q4 2000

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 2000, the quarter ended December 31, 2000, 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

Huntington Postal Credit Union

Huntington, WV · Charter 68110

Q4 2000

$34.2MAssets
$28.6MLoans
$29.9MShares
$4.2MNet 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 0.74%, down 451 bps year over year; NIM at 4.42%.
  • Asset quality: problem loans at 1.57% of loans (-86 bps YoY).
  • Capital: net worth / assets of 12.33%.
  • Funding: loans stand at 95.54% of shares as of Q4 2000.

Financial Results

Return on Assets (YTD, annualized)

0.74%-451 bps YoY

Net Interest Margin (YTD, annualized)

4.42%

Efficiency Ratio (YTD, annualized)

80.00%

Net Worth / Assets

12.33%

Year to date, annualized, through each quarter.

MetricQ4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets5.25%4.72%0.19%0.73%0.74%-451 bps
Return on Equityn/an/an/an/a6.01%n/an/a
Net Interest Marginn/an/a4.24%4.46%4.42%n/a
Efficiency Ration/an/a79.21%77.36%80.00%n/a
Growth
Asset Growth (YoY)18.09%17.25%14.00%2.78%0.39%-1,770 bps
Loan Growth (YoY)7.83%7.44%10.75%21.55%15.88%+805 bps
Share Growth (YoY)17.54%17.12%14.66%2.17%-0.09%-1,764 bps
Asset Quality
Delinquent Loans / Loans2.43%1.39%2.22%1.10%1.57%-86 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.41%0.46%0.65%0.96%1.04%+64 bps
Capital
Risk-Based Capitaln/an/an/an/a12.33%n/an/a
Net Worth / Assetsn/an/an/an/a12.33%n/an/a
Liquidity & Funding
Loans / Shares82.37%78.07%82.39%95.03%95.54%+1,317 bps
Liquid Assets / Assets23.04%22.19%13.98%7.53%107.24%+8,420 bps