PackageTrendsPeer
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Louisiana Association of Educators

New Orleans, LA · Charter 16021

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

Louisiana Association of Educators

New Orleans, LA · Charter 16021

Q4 2006

$1.4MAssets
$1.2MLoans
$1.3MShares
$17KNet 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 -38.06%, down 3,428 bps year over year; NIM at 10.51%.
  • Asset quality: problem loans at 43.41% of loans (+1,699 bps YoY).
  • Capital: net worth / assets of 1.23%, down 1,724 bps from a year ago.
  • Funding: loans stand at 92.11% of shares as of Q4 2006.

Financial Results

Return on Assets (YTD, annualized)

-38.06%-3,428 bps YoY

Net Interest Margin (YTD, annualized)

10.51%+77 bps YoY

Efficiency Ratio (YTD, annualized)

86.97%+1,746 bps YoY

Net Worth / Assets

1.23%-1,724 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets-3.77%2.81%-35.29%-25.70%-38.06%-3,428 bps
Return on Equity-20.42%12.65%-318%-201%-3083%-306,238 bps
Net Interest Margin9.74%6.87%7.72%8.80%10.51%+77 bps
Efficiency Ratio69.52%64.83%73.54%76.85%86.97%+1,746 bps
Growth
Asset Growth (YoY)-29.05%-39.62%-50.55%-50.78%-52.99%-2,394 bps
Loan Growth (YoY)-2.70%-13.48%-37.76%-42.24%-52.57%-4,987 bps
Share Growth (YoY)-36.59%-47.94%-51.13%-49.97%-40.14%-355 bps
Asset Quality
Delinquent Loans / Loans26.42%55.85%61.98%72.72%43.41%+1,699 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans10.04%11.50%15.83%17.54%18.33%+830 bps
Capital
Risk-Based Capital18.47%22.20%11.10%12.80%1.23%-1,724 bps
Net Worth / Assets18.47%22.20%11.10%12.80%1.23%-1,724 bps
Liquidity & Funding
Loans / Shares116.25%121.76%111.24%112.38%92.11%-2,414 bps
Liquid Assets / Assets12.83%14.00%0.00%0.00%0.00%-1,283 bps