PackageTrendsPeer
Letter portraitLegal landscape

Corona & Lightolier Employees

Rochelle Park, NJ · Charter 1835

Q1 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: Q1 2006, the quarter ended March 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

Corona & Lightolier Employees

Rochelle Park, NJ · Charter 1835

Q1 2006

$3.4MAssets
$11KLoans
$2.8MShares
$602KNet 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 -61.85%, down 6,141 bps year over year; NIM at -51.31%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 17.60%, down 1,767 bps from a year ago.
  • Funding: loans stand at 0.39% of shares as of Q1 2006.

Financial Results

Return on Assets (YTD, annualized)

-61.85%-6,141 bps YoY

Net Interest Margin (YTD, annualized)

-51.31%-5,434 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

17.60%-1,767 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets-0.45%-0.97%-1.44%-7.69%-61.85%-6,141 bps
Return on Equity-1.27%-2.78%-4.14%-24.30%-351%-35,023 bps
Net Interest Margin3.03%2.55%2.40%0.96%-51.31%-5,434 bps
Efficiency Ratio114.72%134.93%160.12%899%n/an/a
Growth
Asset Growth (YoY)-8.74%-7.09%-5.06%-8.14%-9.87%-112 bps
Loan Growth (YoY)-6.41%-13.48%-36.44%-43.98%-97.91%-9,150 bps
Share Growth (YoY)-12.35%-9.36%-5.85%-5.89%14.93%+2,728 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.59%0.74%0.88%1.02%28.37%+2,777 bps
Capital
Risk-Based Capital35.26%34.81%34.83%31.66%17.60%-1,767 bps
Net Worth / Assets35.26%34.81%34.83%31.66%17.60%-1,767 bps
Liquidity & Funding
Loans / Shares21.64%17.19%14.67%12.84%0.39%-2,125 bps
Liquid Assets / Assets40.85%44.83%58.76%87.61%91.78%+5,093 bps