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Champaign Postal

Champaign, IL · Charter 81530

NCUA · 1 branch

Q2 2019

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: Q2 2019, the quarter ended June 30, 2019, 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

Champaign Postal

Champaign, IL · Charter 81530

NCUA · 1 branch

Q2 2019

$2.2MAssets
$1.2MLoans
$1.8MShares
$349KNet 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 -2.40%, down 108 bps year over year; NIM at 2.74%.
  • Asset quality: problem loans at 0.89% of loans (-86 bps YoY).
  • Capital: net worth / assets of 15.98%, up 128 bps from a year ago.
  • Funding: loans stand at 64.32% of shares as of Q2 2019.

Financial Results

Return on Assets (YTD, annualized)

-2.40%-108 bps YoY

Net Interest Margin (YTD, annualized)

2.74%+69 bps YoY

Efficiency Ratio (YTD, annualized)

182.94%+6,071 bps YoY

Net Worth / Assets

15.98%+128 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2018Q3 2018Q4 2018Q1 2019Q2 2019YoY ΔTrend
Earnings
Return on Assets-1.32%-0.92%-1.08%0.01%-2.40%-108 bps
Return on Equity-8.95%-5.70%-6.32%0.07%-15.00%-605 bps
Net Interest Margin2.05%2.25%2.49%3.04%2.74%+69 bps
Efficiency Ratio122.23%112.98%111.21%99.60%182.94%+6,071 bps
Growth
Asset Growth (YoY)4.94%-6.20%-14.80%-16.89%-15.90%-2,084 bps
Loan Growth (YoY)-0.02%-10.87%-10.24%-7.42%-13.40%-1,338 bps
Share Growth (YoY)7.95%-5.65%-16.39%-19.47%-17.16%-2,511 bps
Asset Quality
Delinquent Loans / Loans1.75%1.06%2.16%2.69%0.89%-86 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.56%1.39%1.71%2.03%2.15%+60 bps
Capital
Risk-Based Capital14.70%16.15%17.03%17.26%15.98%+128 bps
Net Worth / Assets14.70%16.15%17.03%17.26%15.98%+128 bps
Liquidity & Funding
Loans / Shares61.52%68.01%71.69%69.71%64.32%+280 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps