PackageTrendsPeer
Letter portraitLegal landscape

L. P. I. Employees

Pennsauken, NJ · Charter 23481

Q3 2005

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: Q3 2005, the quarter ended September 30, 2005, 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

L. P. I. Employees

Pennsauken, NJ · Charter 23481

Q3 2005

$564KAssets
$121KLoans
$448KShares
$114KNet 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 0.46%, up 25 bps year over year; NIM at 0.98%.
  • Asset quality: problem loans at 2.68% of loans (+268 bps YoY).
  • Capital: net worth / assets of 20.20%, up 337 bps from a year ago.
  • Funding: loans stand at 27.02% of shares as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

0.46%+25 bps YoY

Net Interest Margin (YTD, annualized)

0.98%-129 bps YoY

Efficiency Ratio (YTD, annualized)

53.97%-3,707 bps YoY

Net Worth / Assets

20.20%+337 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets0.21%0.29%1.17%0.93%0.46%+25 bps
Return on Equity1.24%1.53%5.92%4.66%2.26%+102 bps
Net Interest Margin2.26%2.57%2.90%1.46%0.98%-129 bps
Efficiency Ratio91.04%89.16%60.35%36.88%53.97%-3,707 bps
Growth
Asset Growth (YoY)14.31%7.39%2.32%-5.68%-11.41%-2,571 bps
Loan Growth (YoY)5.00%-0.80%-13.20%-30.68%-37.55%-4,254 bps
Share Growth (YoY)20.53%11.40%2.15%-7.95%-15.05%-3,558 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.13%2.68%+268 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans7.32%8.11%9.20%10.32%11.73%+440 bps
Capital
Risk-Based Capital16.83%18.87%19.73%19.95%20.20%+337 bps
Net Worth / Assets16.83%18.87%19.73%19.95%20.20%+337 bps
Liquidity & Funding
Loans / Shares36.76%38.03%34.98%30.72%27.02%-974 bps
Liquid Assets / Assets69.73%69.96%72.87%76.18%79.29%+955 bps