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Muncie Post Office

Muncie, IN · Charter 82785

NCUA · 1 branch

Q4 2022

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 2022, the quarter ended December 31, 2022, 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

Muncie Post Office

Muncie, IN · Charter 82785

NCUA · 1 branch

Q4 2022

$642KAssets
$237KLoans
$475KShares
$167KNet 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 0.47%, down 7 bps year over year; NIM at 5.87%.
  • Asset quality: problem loans at 5.26% of loans (-143 bps YoY).
  • Capital: net worth / assets of 26.08%, up 285 bps from a year ago.
  • Funding: loans stand at 49.94% of shares as of Q4 2022.

Financial Results

Return on Assets (YTD, annualized)

0.47%-7 bps YoY

Net Interest Margin (YTD, annualized)

5.87%-63 bps YoY

Efficiency Ratio (YTD, annualized)

92.06%+27 bps YoY

Net Worth / Assets

26.08%+285 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets0.54%-0.09%0.11%0.09%0.47%-7 bps
Return on Equity2.32%-0.38%0.46%0.38%1.81%-51 bps
Net Interest Margin6.50%5.19%5.22%5.30%5.87%-63 bps
Efficiency Ratio91.79%101.71%97.92%98.26%92.06%+27 bps
Growth
Asset Growth (YoY)5.78%0.40%-4.35%-6.50%-10.89%-1,666 bps
Loan Growth (YoY)-26.18%-22.96%-17.87%-18.64%-10.14%+1,604 bps
Share Growth (YoY)7.66%1.12%-5.52%-8.48%-14.19%-2,185 bps
Asset Quality
Delinquent Loans / Loans6.69%6.58%5.69%5.64%5.26%-143 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans14.80%15.34%14.75%16.07%16.09%+129 bps
Capital
Risk-Based Capital23.23%24.30%24.47%24.88%26.08%+285 bps
Net Worth / Assets23.23%24.30%24.47%24.88%26.08%+285 bps
Liquidity & Funding
Loans / Shares47.69%48.87%49.92%46.82%49.94%+225 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps