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Greater Harrisburg Community Credit

Harrisburg, PA · Charter 68466

Q4 2005

$1.7MAssets
$1.2MLoans
$1.8MShares
$-133KNet 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 -15.66%, down 1,583 bps year over year; NIM at 2.56%.
  • Asset quality: problem loans at 16.23% of loans (+331 bps YoY).
  • Capital: net worth / assets of -7.90%, down 1,402 bps from a year ago.
  • Funding: loans stand at 64.84% of shares as of Q4 2005.

Financial Results

Return on Assets (quarter, annualized)

-15.66%-1,583 bps YoY

Net Interest Margin (quarter, annualized)

2.56%+54 bps YoY

Efficiency Ratio (quarter, annualized)

180.00%+9,121 bps YoY

Net Worth / Assets

-7.90%-1,402 bps YoY

Discrete quarter, annualized.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets0.17%3.98%-1.79%-20.88%-15.66%-1,583 bps
Return on Equity2.86%58.74%-31.13%n/an/an/a
Net Interest Margin2.02%2.69%3.04%3.41%2.56%+54 bps
Efficiency Ratio88.79%77.71%122.71%180.00%180.00%+9,121 bps
Growth
Asset Growth (YoY)-15.67%-12.88%-10.14%-18.07%-21.08%-541 bps
Loan Growth (YoY)84.11%65.27%37.05%33.88%22.91%-6,120 bps
Share Growth (YoY)-9.31%-7.22%-9.90%-6.14%-9.49%-18 bps
Asset Quality
Delinquent Loans / Loans12.91%12.88%19.57%16.23%16.23%+331 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.57%2.43%1.27%7.15%7.15%+459 bps
Capital
Risk-Based Capital6.13%6.78%5.76%-7.90%-7.90%-1,402 bps
Net Worth / Assets6.13%6.78%5.76%-7.90%-7.90%-1,402 bps
Liquidity & Funding
Loans / Shares47.74%48.21%59.06%64.84%64.84%+1,710 bps
Liquid Assets / Assets49.30%43.87%36.50%26.78%26.78%-2,253 bps