PackageTrendsPeer
Letter portraitLegal landscape

Mon Postal

Elizabeth, PA · Charter 9224

Q3 2008

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 2008, the quarter ended September 30, 2008, 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

Mon Postal

Elizabeth, PA · Charter 9224

Q3 2008

$1.6MAssets
$482KLoans
$1.3MShares
$225KNet Worth

Executive Summary

  • Earnings: ROA of -7.59%, down 807 bps year over year; NIM at -4.81%.
  • Asset quality: problem loans at 0.55% of loans (+55 bps YoY).
  • Capital: net worth / assets of 14.21%, down 522 bps from a year ago.
  • Funding: loans stand at 38.23% of shares as of Q3 2008.

Return on Assets (YTD, annualized)

-7.59%-807 bps YoY

Net Interest Margin (YTD, annualized)

-4.81%-801 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

14.21%-522 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007Q1 2008Q2 2008Q3 2008YoY ΔTrend
Earnings
Return on Assets0.53%0.44%0.44%0.48%0.49%0.21%0.19%-7.59%-807 bps
Return on Equity2.61%2.22%2.21%2.48%2.51%1.07%1.02%-53.44%-5,592 bps
Net Interest Margin3.44%3.29%3.22%3.20%3.17%2.95%2.86%-4.81%-801 bps
Efficiency Ratio84.55%86.56%86.52%85.02%84.69%88.88%93.27%n/an/a
Growth
Asset Growth (YoY)1.63%3.20%5.87%8.50%8.43%5.75%5.81%-1.73%-1,024 bps
Loan Growth (YoY)-9.64%-4.94%-9.43%-5.71%-1.57%-10.74%-8.07%-16.36%-1,066 bps
Share Growth (YoY)1.06%3.18%6.57%9.88%9.84%6.63%7.09%-2.08%-1,197 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.74%0.55%+55 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.97%0.95%0.97%0.95%0.99%1.16%1.17%0.81%-14 bps
Capital
Risk-Based Capital20.45%19.96%19.69%19.43%19.35%19.30%18.98%14.21%-522 bps
Net Worth / Assets20.45%19.96%19.69%19.43%19.35%19.30%18.98%14.21%-522 bps
Liquidity & Funding
Loans / Shares47.79%46.97%45.22%44.76%42.82%39.32%38.82%38.23%-653 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps