PackageTrendsPeer
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La Casa Federal Credit Union

Newark, NJ · Charter 24164

Q3 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: Q3 2006, the quarter ended September 30, 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

La Casa Federal Credit Union

Newark, NJ · Charter 24164

Q3 2006

$634KAssets
$133KLoans
$629KShares
$-167KNet 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 -28.10%, down 2,507 bps year over year; NIM at 6.86%.
  • Asset quality: problem loans at 30.35% of loans (+2,267 bps YoY).
  • Capital: net worth / assets of -26.27%, down 4,110 bps from a year ago.
  • Funding: loans stand at 21.09% of shares as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

-28.10%-2,507 bps YoY

Net Interest Margin (YTD, annualized)

6.86%+352 bps YoY

Efficiency Ratio (YTD, annualized)

273%+10,271 bps YoY

Net Worth / Assets

-26.27%-4,110 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets-3.03%-0.77%2.81%-33.63%-28.10%-2,507 bps
Return on Equity-20.46%-5.43%25.14%n/an/an/a
Net Interest Margin3.33%3.30%9.46%10.68%6.86%+352 bps
Efficiency Ratio169.95%110.85%70.55%252%273%+10,271 bps
Growth
Asset Growth (YoY)-8.44%4.52%6.15%-35.53%-21.50%-1,306 bps
Loan Growth (YoY)70.50%70.79%28.25%-73.48%-81.49%-15,199 bps
Share Growth (YoY)-6.72%15.75%16.57%-4.20%-0.71%+601 bps
Asset Quality
Delinquent Loans / Loans7.68%12.91%24.80%43.02%30.35%+2,267 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.66%0.67%0.86%7.61%12.48%+1,182 bps
Capital
Risk-Based Capital14.83%14.24%11.16%-22.34%-26.27%-4,110 bps
Net Worth / Assets14.83%14.24%11.16%-22.34%-26.27%-4,110 bps
Liquidity & Funding
Loans / Shares113.11%93.69%69.26%29.87%21.09%-9,202 bps
Liquid Assets / Assets8.11%20.02%23.19%0.00%0.00%-811 bps