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Public Service Sewaren

Sewaren, NJ · Charter 11863

NCUA · 1 branch

Q1 2017

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: Q1 2017, the quarter ended March 31, 2017, 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 2026-10-10

Public Service Sewaren

Sewaren, NJ · Charter 11863

NCUA · 1 branch

Q1 2017

$191KAssets
$8KLoans
$170KShares
$19KNet 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 -8.44%, down 136 bps year over year; NIM at 0.31%.
  • Asset quality: problem loans at 0.00% of loans (-3,605 bps YoY).
  • Capital: net worth / assets of 10.10%, down 541 bps from a year ago.
  • Funding: loans stand at 4.76% of shares as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

-8.44%-136 bps YoY

Net Interest Margin (YTD, annualized)

0.31%-38 bps YoY

Efficiency Ratio (YTD, annualized)

895%+6,666 bps YoY

Net Worth / Assets

10.10%-541 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets-7.07%-8.83%-8.90%-9.36%-8.44%-136 bps
Return on Equity-45.61%-49.67%-59.66%-73.03%-83.57%-3,796 bps
Net Interest Margin0.70%0.79%0.69%0.63%0.31%-38 bps
Efficiency Ratio829%669%850%1018%895%+6,666 bps
Growth
Asset Growth (YoY)-1.80%-21.88%-16.55%-20.53%-18.19%-1,639 bps
Loan Growth (YoY)-58.02%-61.72%-66.24%-61.76%-62.42%-440 bps
Share Growth (YoY)7.63%-18.15%-11.60%-15.17%-12.90%-2,053 bps
Asset Quality
Delinquent Loans / Loans36.05%18.79%5.72%21.40%0.00%-3,605 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans30.17%38.53%49.43%61.77%80.27%+5,011 bps
Capital
Risk-Based Capital15.51%17.78%14.91%12.82%10.10%-541 bps
Net Worth / Assets15.51%17.78%14.91%12.82%10.10%-541 bps
Liquidity & Funding
Loans / Shares11.02%11.43%8.46%6.71%4.76%-627 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps