Greensburg, PA · Charter 10408
Q1 2006
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Greensburg, PA · Charter 10408
Q1 2006
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | 0.47% | 0.49% | 0.40% | 0.18% | +18 bps | |
| Return on Equity | -0.02% | 2.23% | 2.32% | 2.26% | 0.95% | +97 bps | |
| Net Interest Margin | 3.38% | 3.61% | 3.55% | 3.56% | 4.23% | +85 bps | |
| Efficiency Ratio | 100.11% | 87.12% | 86.21% | 88.65% | 95.72% | -438 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.14% | -9.00% | 5.14% | -0.51% | -9.33% | -420 bps | |
| Loan Growth (YoY) | 13.76% | -3.78% | -7.99% | -6.02% | -0.55% | -1,431 bps | |
| Share Growth (YoY) | -7.68% | -13.51% | 4.96% | 3.72% | -6.13% | +155 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.51% | 9.86% | 8.92% | 8.57% | 8.45% | -106 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.72% | 1.83% | 1.68% | 8.72% | 8.67% | +695 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.65% | 20.85% | 21.14% | 17.91% | 19.02% | -163 bps | |
| Net Worth / Assets | 20.65% | 20.85% | 21.14% | 17.91% | 19.02% | -163 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.60% | 63.37% | 68.57% | 64.64% | 69.50% | +390 bps | |
| Liquid Assets / Assets | 47.28% | 49.24% | 45.81% | 51.01% | 47.76% | +48 bps | |