PackageTrendsPeer
Letter portraitLegal landscape

State & Parish Employees

New Orleans, LA · Charter 10282

Q4 2006

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 2006, the quarter ended December 31, 2006, 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

State & Parish Employees

New Orleans, LA · Charter 10282

Q4 2006

$28KAssets
$0KLoans
$79KShares
$-51KNet 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 -289.59%, down 26,600 bps year over year; NIM at 13.26%.
  • Capital: net worth / assets of -185.31%, down 21,044 bps from a year ago.
  • Funding: loans stand at 0.00% of shares as of Q4 2006.

Financial Results

Return on Assets (YTD, annualized)

-290%-26,600 bps YoY

Net Interest Margin (YTD, annualized)

13.26%-57 bps YoY

Efficiency Ratio (YTD, annualized)

227%+14,624 bps YoY

Net Worth / Assets

-185.31%-21,044 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets-23.58%-25.57%-15.46%-509%-290%-26,600 bps
Return on Equity-93.84%-122.22%-60.14%n/an/an/a
Net Interest Margin13.83%5.29%3.43%88.96%13.26%-57 bps
Efficiency Ratio80.93%583%551%117.59%227%+14,624 bps
Growth
Asset Growth (YoY)-26.20%-36.56%-46.46%-81.78%-75.90%-4,970 bps
Loan Growth (YoY)-16.95%-5.60%-23.20%-98.44%-100.00%-8,305 bps
Share Growth (YoY)-12.52%-26.06%-65.80%-15.18%-6.20%+632 bps
Asset Quality
Delinquent Loans / Loans79.30%93.27%98.40%100.00%n/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans26.31%26.36%27.86%0.00%n/an/a
Capital
Risk-Based Capital25.13%20.92%25.70%-188.37%-185.31%-21,044 bps
Net Worth / Assets25.13%20.92%25.70%-188.37%-185.31%-21,044 bps
Liquidity & Funding
Loans / Shares138.73%142.54%322%2.62%0.00%-13,873 bps
Liquid Assets / Assets20.58%13.90%0.00%0.00%0.00%-2,058 bps