PackageTrendsPeer
Letter portraitLegal landscape

Lakeland Postal Employees

Lakeland, FL · Charter 945

Q2 2011

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 2011, the quarter ended June 30, 2011, 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

Lakeland Postal Employees

Lakeland, FL · Charter 945

Q2 2011

$1.8MAssets
$907KLoans
$1.4MShares
$330KNet 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 -1.18%, up 212 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 8.54% of loans (+186 bps YoY).
  • Capital: net worth / assets of 18.54%, down 485 bps from a year ago.
  • Funding: loans stand at 62.60% of shares as of Q2 2011.

Financial Results

Return on Assets (YTD, annualized)

-1.18%+212 bps YoY

Net Interest Margin (YTD, annualized)

3.51%-105 bps YoY

Efficiency Ratio (YTD, annualized)

132.55%+1,973 bps YoY

Net Worth / Assets

18.54%-485 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q3 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets-3.30%-2.40%-2.26%-1.08%-1.18%+212 bps
Return on Equity-14.10%-10.48%-11.57%-5.68%-6.35%+775 bps
Net Interest Margin4.56%3.81%3.47%3.36%3.51%-105 bps
Efficiency Ratio112.82%144.98%128.88%131.23%132.55%+1,973 bps
Growth
Asset Growth (YoY)4.34%0.98%8.65%5.36%10.49%+615 bps
Loan Growth (YoY)-3.33%-5.78%-1.93%-4.69%-9.72%-639 bps
Share Growth (YoY)10.38%6.61%14.47%10.39%18.17%+779 bps
Asset Quality
Delinquent Loans / Loans6.68%6.95%6.69%6.73%8.54%+186 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.57%1.28%2.30%2.28%2.40%+183 bps
Capital
Risk-Based Capital23.39%22.93%19.50%19.05%18.54%-485 bps
Net Worth / Assets23.39%22.93%19.50%19.05%18.54%-485 bps
Liquidity & Funding
Loans / Shares81.93%79.29%66.55%67.23%62.60%-1,933 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps