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Glenshaw

Glenshaw, PA · Charter 21812

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

Glenshaw

Glenshaw, PA · Charter 21812

Q3 2006

$2.4MAssets
$563KLoans
$1.8MShares
$593KNet 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 -5.31%, down 440 bps year over year; NIM at -0.86%.
  • Asset quality: problem loans at 6.55% of loans (-674 bps YoY).
  • Capital: net worth / assets of 24.93%, down 117 bps from a year ago.
  • Funding: loans stand at 31.50% of shares as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

-5.31%-440 bps YoY

Net Interest Margin (YTD, annualized)

-0.86%-26 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

24.93%-117 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets-0.90%-1.02%-2.08%-2.20%-5.31%-440 bps
Return on Equity-3.46%-3.88%-7.84%-8.32%-21.28%-1,783 bps
Net Interest Margin-0.60%-0.34%1.35%1.42%-0.86%-26 bps
Efficiency Ratio191.46%216%131.08%135.85%n/an/a
Growth
Asset Growth (YoY)-13.18%-10.68%-7.52%-6.56%-10.85%+234 bps
Loan Growth (YoY)-38.88%-37.76%-36.74%-37.59%-38.33%+55 bps
Share Growth (YoY)-18.16%-13.31%-8.37%-5.91%-6.93%+1,123 bps
Asset Quality
Delinquent Loans / Loans13.30%15.93%15.07%14.77%6.55%-674 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.77%4.26%3.94%4.93%6.04%+227 bps
Capital
Risk-Based Capital26.10%26.36%26.56%26.42%24.93%-117 bps
Net Worth / Assets26.10%26.36%26.56%26.42%24.93%-117 bps
Liquidity & Funding
Loans / Shares47.53%42.50%38.33%33.78%31.50%-1,603 bps
Liquid Assets / Assets64.81%68.30%71.29%0.00%0.00%-6,481 bps