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Pennsylvania Grange

Harrisburg, PA · Charter 24462

Q3 2011

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 2011, the quarter ended September 30, 2011, 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

Pennsylvania Grange

Harrisburg, PA · Charter 24462

Q3 2011

$1.8MAssets
$638KLoans
$1.7MShares
$119KNet 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 -2.32%, down 114 bps year over year; NIM at 2.81%.
  • Asset quality: problem loans at 1.64% of loans (-96 bps YoY).
  • Capital: net worth / assets of 6.61%, down 262 bps from a year ago.
  • Funding: loans stand at 38.15% of shares as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

-2.32%-114 bps YoY

Net Interest Margin (YTD, annualized)

2.81%-35 bps YoY

Efficiency Ratio (YTD, annualized)

149.60%+1,835 bps YoY

Net Worth / Assets

6.61%-262 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2010Q3 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets-1.18%-1.53%-1.22%-1.33%-2.32%-114 bps
Return on Equity-12.77%-18.15%-15.33%-17.72%-35.13%-2,236 bps
Net Interest Margin3.16%3.07%2.88%2.80%2.81%-35 bps
Efficiency Ratio131.26%136.13%133.85%138.55%149.60%+1,835 bps
Growth
Asset Growth (YoY)-8.14%-10.44%-14.28%-9.74%-4.70%+344 bps
Loan Growth (YoY)-20.38%-25.39%-35.03%-25.97%-22.12%-174 bps
Share Growth (YoY)-8.20%-9.67%-13.03%-8.11%-1.55%+665 bps
Asset Quality
Delinquent Loans / Loans2.61%4.99%2.77%2.45%1.64%-96 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.45%0.48%0.45%0.43%0.62%+17 bps
Capital
Risk-Based Capital9.23%8.42%7.97%7.51%6.61%-262 bps
Net Worth / Assets9.23%8.42%7.97%7.51%6.61%-262 bps
Liquidity & Funding
Loans / Shares48.23%45.75%41.96%43.24%38.15%-1,007 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps