PackageTrendsPeer
Letter portraitLegal landscape

Orange NJ Postal Employees

West Orange, NJ · Charter 312

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

Orange NJ Postal Employees

West Orange, NJ · Charter 312

Q3 2006

$427KAssets
$249KLoans
$362KShares
$63KNet 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 0.65%, up 661 bps year over year; NIM at 7.21%.
  • Asset quality: problem loans at 2.72% of loans (-466 bps YoY).
  • Capital: net worth / assets of 14.87%, up 17 bps from a year ago.
  • Funding: loans stand at 68.90% of shares as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

0.65%+661 bps YoY

Net Interest Margin (YTD, annualized)

7.21%-26 bps YoY

Efficiency Ratio (YTD, annualized)

90.95%-1,397 bps YoY

Net Worth / Assets

14.87%+17 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets-5.96%-6.58%0.76%0.88%0.65%+661 bps
Return on Equity-40.52%-43.79%4.80%5.98%4.40%+4,492 bps
Net Interest Margin7.47%8.48%7.48%7.08%7.21%-26 bps
Efficiency Ratio104.92%99.67%89.83%87.62%90.95%-1,397 bps
Growth
Asset Growth (YoY)-20.97%-15.33%-19.44%-12.09%-10.62%+1,034 bps
Loan Growth (YoY)-18.99%-19.10%-12.16%-17.45%-17.30%+169 bps
Share Growth (YoY)-19.65%-11.46%-17.21%-8.60%-11.13%+852 bps
Asset Quality
Delinquent Loans / Loans7.38%3.84%5.26%5.19%2.72%-466 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans7.53%7.28%8.64%9.75%7.82%+28 bps
Capital
Risk-Based Capital14.70%15.03%15.89%14.69%14.87%+17 bps
Net Worth / Assets14.70%15.03%15.89%14.69%14.87%+17 bps
Liquidity & Funding
Loans / Shares74.04%77.47%76.11%65.22%68.90%-514 bps
Liquid Assets / Assets39.06%35.98%38.73%0.00%0.00%-3,906 bps