PackageTrendsPeer
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Greensboro Municipal

Greensboro, NC · Charter 66316

Q3 2010

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 2010, the quarter ended September 30, 2010, 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

Greensboro Municipal

Greensboro, NC · Charter 66316

Q3 2010

$36.9MAssets
$24.2MLoans
$32.4MShares
$4.3MNet 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 0.16%, up 52 bps year over year; NIM at 4.52%.
  • Asset quality: problem loans at 1.20% of loans (+60 bps YoY).
  • Capital: net worth / assets of 11.67%, down 121 bps from a year ago.
  • Funding: loans stand at 74.62% of shares as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

0.16%+52 bps YoY

Net Interest Margin (YTD, annualized)

4.52%-8 bps YoY

Efficiency Ratio (YTD, annualized)

86.63%+1,263 bps YoY

Net Worth / Assets

11.67%-121 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets-0.36%-0.15%-0.18%-0.38%0.16%+52 bps
Return on Equity-2.79%-1.16%-1.46%-3.26%1.34%+413 bps
Net Interest Margin4.60%4.51%4.40%4.33%4.52%-8 bps
Efficiency Ratio74.00%77.57%79.55%101.55%86.63%+1,263 bps
Growth
Asset Growth (YoY)2.24%8.60%12.70%13.52%11.41%+917 bps
Loan Growth (YoY)0.91%4.35%3.42%3.44%5.31%+440 bps
Share Growth (YoY)2.44%10.02%15.17%15.16%13.13%+1,069 bps
Asset Quality
Delinquent Loans / Loans0.60%0.39%0.52%0.61%1.20%+60 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.66%0.69%0.79%0.83%0.83%+17 bps
Capital
Risk-Based Capital12.88%12.61%12.10%11.58%11.67%-121 bps
Net Worth / Assets12.88%12.61%12.10%11.58%11.67%-121 bps
Liquidity & Funding
Loans / Shares80.16%79.91%78.30%73.08%74.62%-554 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps