PackageTrendsPeer
Letter portraitLegal landscape

Espanola School Employees

Espanola, NM · Charter 17434

Q1 2007

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: Q1 2007, the quarter ended March 31, 2007, 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

Espanola School Employees

Espanola, NM · Charter 17434

Q1 2007

$1.1MAssets
$707KLoans
$868KShares
$384KNet 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 -65.20%, down 6,906 bps year over year; NIM at 8.18%.
  • Asset quality: problem loans at 12.33% of loans (-23 bps YoY).
  • Capital: net worth / assets of 35.44%, up 911 bps from a year ago.
  • Funding: loans stand at 81.43% of shares as of Q1 2007.

Financial Results

Return on Assets (YTD, annualized)

-65.20%-6,906 bps YoY

Net Interest Margin (YTD, annualized)

8.18%-2 bps YoY

Efficiency Ratio (YTD, annualized)

127.63%+8,465 bps YoY

Net Worth / Assets

35.44%+911 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007YoY ΔTrend
Earnings
Return on Assets3.86%3.54%2.53%2.55%-65.20%-6,906 bps
Return on Equity14.67%11.99%8.68%8.26%-184.00%-19,867 bps
Net Interest Margin8.20%8.66%8.17%8.06%8.18%-2 bps
Efficiency Ratio42.98%48.36%52.78%55.70%127.63%+8,465 bps
Growth
Asset Growth (YoY)-8.32%-13.36%-5.77%-11.16%-21.12%-1,280 bps
Loan Growth (YoY)-11.20%-16.91%-18.19%-23.61%-38.04%-2,684 bps
Share Growth (YoY)-13.61%-20.15%-12.00%-18.17%-13.01%+60 bps
Asset Quality
Delinquent Loans / Loans12.56%17.26%18.60%24.14%12.33%-23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.79%3.41%2.69%3.58%5.39%+259 bps
Capital
Risk-Based Capital26.32%29.49%29.10%30.85%35.44%+911 bps
Net Worth / Assets26.32%29.49%29.10%30.85%35.44%+911 bps
Liquidity & Funding
Loans / Shares114.34%115.96%112.00%115.61%81.43%-3,290 bps
Liquid Assets / Assets17.36%0.00%0.00%0.00%0.00%-1,736 bps