PackageTrendsPeer
Letter portraitLegal landscape

East Meadow Lodge

East Meadow, NY · Charter 19005

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

East Meadow Lodge

East Meadow, NY · Charter 19005

Q1 2006

$258KAssets
$28KLoans
$223KShares
$36KNet Worth

Executive Summary

  • Earnings: ROA of 2.57%, up 161 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 13.74%, down 1,330 bps from a year ago.
  • Funding: loans stand at 12.48% of shares as of Q1 2006.

Return on Assets (YTD, annualized)

2.57%+161 bps YoY

Net Interest Margin (YTD, annualized)

3.89%+11 bps YoY

Efficiency Ratio (YTD, annualized)

34.04%-4,076 bps YoY

Net Worth / Assets

13.74%-1,330 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2004Q3 2004Q4 2004Q1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets1.23%1.68%0.18%0.95%0.86%0.87%-2.71%2.57%+161 bps
Return on Equity6.21%6.97%0.71%3.53%3.48%5.79%-21.50%18.69%+1,516 bps
Net Interest Margin3.31%3.93%2.52%3.79%3.37%2.15%-1.41%3.89%+11 bps
Efficiency Ratio63.00%57.31%92.88%74.79%74.52%59.60%n/a34.04%-4,076 bps
Growth
Asset Growth (YoY)-13.75%-31.94%-36.82%-30.07%-20.64%60.22%64.50%68.44%+9,851 bps
Loan Growth (YoY)-25.07%-15.12%-2.25%-15.25%-46.61%-58.03%-58.86%-58.60%-4,335 bps
Share Growth (YoY)-16.65%-38.19%-44.34%-37.14%-25.55%79.38%88.27%99.14%+13,629 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital19.75%24.08%25.20%27.04%24.71%14.99%12.61%13.74%-1,330 bps
Net Worth / Assets19.75%24.08%25.20%27.04%24.71%14.99%12.61%13.74%-1,330 bps
Liquidity & Funding
Loans / Shares46.25%63.68%64.29%60.04%33.16%14.90%14.05%12.48%-4,756 bps
Liquid Assets / Assets60.21%48.36%49.69%53.58%72.09%34.83%2.01%75.04%+2,146 bps