PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Indianapolis Post Office

Indianapolis, IN · Charter 82770

NCUA

Q1 2025

$46.3MAssets
$10.6MLoans
$31.1MShares
$11.2MNet 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 -0.15%, up 21 bps year over year; NIM at 1.81%.
  • Asset quality: problem loans at 0.52% of loans (-2 bps YoY).
  • Capital: net worth / assets of 24.08%, up 78 bps from a year ago.
  • Funding: loans stand at 34.12% of shares as of Q1 2025.

Financial Results

Return on Assets (YTD, annualized)

-0.15%+21 bps YoY

Net Interest Margin (YTD, annualized)

1.81%+23 bps YoY

Efficiency Ratio (YTD, annualized)

107.68%-849 bps YoY

Net Worth / Assets

24.08%+78 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets-0.36%-0.39%-0.41%-0.71%-0.15%+21 bps
Return on Equity-1.55%-1.59%-1.67%-2.91%-0.63%+92 bps
Net Interest Margin1.59%1.68%1.76%1.79%1.81%+23 bps
Efficiency Ratio116.16%118.59%113.91%114.03%107.68%-849 bps
Growth
Asset Growth (YoY)-11.25%-12.27%-11.96%-10.74%-5.75%+550 bps
Loan Growth (YoY)1.26%-0.74%-2.96%-2.96%-5.12%-639 bps
Share Growth (YoY)-18.89%-19.26%-17.73%-14.05%-13.58%+531 bps
Asset Quality
Delinquent Loans / Loans0.54%0.85%0.31%0.48%0.52%-2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital23.31%24.24%24.56%24.47%24.08%+78 bps
Net Worth / Assets23.31%24.24%24.56%24.47%24.08%+78 bps
Liquidity & Funding
Loans / Shares31.07%32.37%33.01%33.72%34.12%+304 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps