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Orleans Public School

New Orleans, LA · Charter 20973

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

Orleans Public School

New Orleans, LA · Charter 20973

Q1 2006

$8.4MAssets
$5.0MLoans
$8.3MShares
$31KNet 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 -49.94%, down 5,104 bps year over year; NIM at 6.70%.
  • Asset quality: problem loans at 48.67% of loans (+4,844 bps YoY).
  • Capital: net worth / assets of 0.37%, down 883 bps from a year ago.
  • Funding: loans stand at 60.77% of shares as of Q1 2006.

Financial Results

Return on Assets (YTD, annualized)

-49.94%-5,104 bps YoY

Net Interest Margin (YTD, annualized)

6.70%+155 bps YoY

Efficiency Ratio (YTD, annualized)

115.64%+3,190 bps YoY

Net Worth / Assets

0.37%-883 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets1.10%1.41%2.66%-5.80%-49.94%-5,104 bps
Return on Equity11.98%13.07%18.29%-55.03%-13486%-1,349,846 bps
Net Interest Margin5.15%5.65%6.76%7.53%6.70%+155 bps
Efficiency Ratio83.74%81.39%80.54%87.42%115.64%+3,190 bps
Growth
Asset Growth (YoY)-2.43%-8.78%-17.71%-39.24%-55.22%-5,279 bps
Loan Growth (YoY)-16.81%-11.60%-7.47%-28.96%-33.34%-1,653 bps
Share Growth (YoY)-3.35%-7.53%-15.13%-40.17%-51.37%-4,802 bps
Asset Quality
Delinquent Loans / Loans0.22%0.46%5.45%53.60%48.67%+4,844 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.47%3.88%2.24%15.97%33.81%+3,034 bps
Capital
Risk-Based Capital9.20%10.80%14.52%10.54%0.37%-883 bps
Net Worth / Assets9.20%10.80%14.52%10.54%0.37%-883 bps
Liquidity & Funding
Loans / Shares44.33%48.97%65.01%68.18%60.77%+1,644 bps
Liquid Assets / Assets34.35%29.16%10.68%12.23%22.44%-1,191 bps