Springfield Postal Employees
Springfield, OH · Charter 7022 · Peer group: credit unions under $1B in assets (n=1,748-1,753)
NCUA · 2 branches
Q2 2024
$3.7MAssets
$2.5MLoans
$3.2MShares
$528KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 79% of credit unions under $1B in assets (rank 367 of 1752).
- Widest gap: return on assets trails 100% of credit unions under $1B in assets (rank 1745 of 1753).
- Overall: at or above the peer median on 3 of 6 directional measures.
Return on Assets
-8.02%
Rank 1,745 of 1,753
Net Interest Margin
4.33%
Rank 367 of 1,752
Equity / Assets
14.30%
Rank 575 of 1,752
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -8.02% | 0.23% | 0.68% | 1.19% | Beats 0% | 1,745 / 1,753 | n/a | |
| Return on Equity | -56.06% | 1.80% | 5.29% | 9.05% | Beats 1% | 1,729 / 1,750 | n/a | |
| Net Interest Margin | 4.33% | 2.98% | 3.54% | 4.20% | Beats 79% | 367 / 1,752 | n/a | |
| Efficiency Ratio | n/a | Not reported for this institution |
| Asset Quality |
| Nonperforming Loans / Loans | 3.02% | 0.22% | 0.59% | 1.20% | Beats 8% | 1,607 / 1,748 | n/a | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.30% | 9.91% | 12.21% | 15.57% | Beats 67% | 577 / 1,753 | n/a | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.30% | 9.91% | 12.21% | 15.57% | Beats 67% | 575 / 1,752 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 79.06% | 55.88% | 73.01% | 86.61% | 61st pctl | 685 / 1,750 | n/a | |
| Loans / Assets | 68.09% | 48.21% | 62.51% | 73.23% | 63rd pctl | 654 / 1,752 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |