PackageTrendsPeer
Letter portraitLegal landscape

Greater Greensburg Industrial

Greensburg, PA · Charter 65352

Q4 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: Q4 2006, the quarter ended December 31, 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

Greater Greensburg Industrial

Greensburg, PA · Charter 65352

Q4 2006

$5.6MAssets
$3.0MLoans
$4.6MShares
$1.0MNet 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 -7.91%, down 864 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.99% of loans (-302 bps YoY).
  • Capital: net worth / assets of 18.44%, down 545 bps from a year ago.
  • Funding: loans stand at 66.35% of shares as of Q4 2006.

Financial Results

Return on Assets (YTD, annualized)

-7.91%-864 bps YoY

Net Interest Margin (YTD, annualized)

3.15%-147 bps YoY

Efficiency Ratio (YTD, annualized)

181.23%+11,225 bps YoY

Net Worth / Assets

18.44%-545 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets0.73%0.63%0.40%-4.94%-7.91%-864 bps
Return on Equity3.05%2.64%1.64%-22.95%-42.90%-4,595 bps
Net Interest Margin4.62%4.29%4.53%3.48%3.15%-147 bps
Efficiency Ratio68.98%70.27%72.58%120.44%181.23%+11,225 bps
Growth
Asset Growth (YoY)-13.72%-13.12%-9.14%-8.45%-9.28%+444 bps
Loan Growth (YoY)0.40%3.57%1.62%-0.69%-3.37%-377 bps
Share Growth (YoY)-17.85%-17.23%-12.15%-6.60%-3.19%+1,466 bps
Asset Quality
Delinquent Loans / Loans4.01%3.47%3.25%1.35%0.99%-302 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.86%3.10%3.44%8.44%12.22%+936 bps
Capital
Risk-Based Capital23.89%23.70%24.22%21.51%18.44%-545 bps
Net Worth / Assets23.89%23.70%24.22%21.51%18.44%-545 bps
Liquidity & Funding
Loans / Shares66.48%66.93%68.94%69.48%66.35%-13 bps
Liquid Assets / Assets35.68%28.57%0.00%0.00%0.00%-3,568 bps