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Long Island City Postal Employees

Long Island Cty, NY · Charter 75

NCUA · 1 branch

Q3 2023

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: Q3 2023, the quarter ended September 30, 2023, 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

Long Island City Postal Employees

Long Island Cty, NY · Charter 75

NCUA · 1 branch

Q3 2023

$1.8MAssets
$41KLoans
$1.3MShares
$528KNet Worth

Executive Summary

  • Earnings: ROA of -0.85%, down 1 bps year over year; NIM at 1.60%.
  • Asset quality: problem loans at 0.00% of loans (-514 bps YoY).
  • Capital: net worth / assets of 28.92%, up 286 bps from a year ago.
  • Funding: loans stand at 3.18% of shares as of Q3 2023.

Return on Assets (YTD, annualized)

-0.85%-1 bps YoY

Net Interest Margin (YTD, annualized)

1.60%+34 bps YoY

Efficiency Ratio (YTD, annualized)

147.92%-1,625 bps YoY

Net Worth / Assets

28.92%+286 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022Q1 2023Q2 2023Q3 2023YoY ΔTrend
Earnings
Return on Assets-0.65%-1.01%-0.87%-0.84%-0.19%-0.43%-0.49%-0.85%-1 bps
Return on Equity-2.53%-3.94%-3.40%-3.21%-0.74%-1.64%-1.86%-2.93%+28 bps
Net Interest Margin1.64%1.19%1.22%1.27%1.36%1.54%1.53%1.60%+34 bps
Efficiency Ratio139.12%180.35%168.69%164.17%150.36%123.68%129.23%147.92%-1,625 bps
Growth
Asset Growth (YoY)-10.16%-9.21%-7.33%-3.15%-8.04%-7.81%-8.48%-17.49%-1,435 bps
Loan Growth (YoY)41.25%16.61%-6.78%16.84%5.01%0.96%-12.88%-17.31%-3,415 bps
Share Growth (YoY)-12.46%-11.30%-8.81%-3.27%-8.82%-8.60%-9.59%-21.70%-1,843 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%5.14%0.00%0.00%0.00%0.00%-514 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans21.88%25.50%27.91%24.60%1.73%2.09%2.65%2.46%-2,214 bps
Capital
Risk-Based Capital25.77%25.53%25.47%26.06%26.46%26.30%26.48%28.92%+286 bps
Net Worth / Assets25.77%25.53%25.47%26.06%26.46%26.30%26.48%28.92%+286 bps
Liquidity & Funding
Loans / Shares3.25%2.78%2.55%3.01%3.74%3.07%2.46%3.18%+17 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps