PackageTrendsPeer
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Palm Springs City Employees

Palm Springs, CA · Charter 12111

Q2 2015

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: Q2 2015, the quarter ended June 30, 2015, 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

Palm Springs City Employees

Palm Springs, CA · Charter 12111

Q2 2015

$13.2MAssets
$4.6MLoans
$11.4MShares
$1.5MNet Worth

Executive Summary

  • Earnings: ROA of -1.47%, down 147 bps year over year; NIM at 2.59%.
  • Asset quality: problem loans at 1.04% of loans (+16 bps YoY).
  • Capital: net worth / assets of 11.33%, down 43 bps from a year ago.
  • Funding: loans stand at 40.58% of shares as of Q2 2015.

Return on Assets (YTD, annualized)

-1.47%-147 bps YoY

Net Interest Margin (YTD, annualized)

2.59%-25 bps YoY

Efficiency Ratio (YTD, annualized)

132.56%+2,591 bps YoY

Net Worth / Assets

11.33%-43 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets1.15%0.21%0.41%0.00%0.08%0.42%-0.51%-1.47%-147 bps
Return on Equity9.25%1.72%3.34%0.01%0.67%3.41%-4.24%-12.94%-1,295 bps
Net Interest Margin3.31%3.34%3.00%2.84%2.83%2.86%2.70%2.59%-25 bps
Efficiency Ratio107.94%109.59%101.73%106.65%102.10%91.72%138.19%132.56%+2,591 bps
Growth
Asset Growth (YoY)-4.81%-5.67%-9.12%-1.67%0.53%1.57%2.84%0.97%+264 bps
Loan Growth (YoY)-9.97%-10.14%-7.95%-5.78%-3.80%-1.69%1.54%1.12%+691 bps
Share Growth (YoY)-6.02%-6.77%-9.87%-1.10%1.48%-0.59%1.22%-0.25%+85 bps
Asset Quality
Delinquent Loans / Loans3.93%2.39%0.09%0.87%2.53%1.51%1.08%1.04%+16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.70%2.74%2.48%2.03%1.92%2.08%1.74%2.94%+91 bps
Capital
Risk-Based Capital12.41%12.02%12.19%11.76%11.75%12.25%12.06%11.33%-43 bps
Net Worth / Assets12.41%12.02%12.19%11.76%11.75%12.25%12.06%11.33%-43 bps
Liquidity & Funding
Loans / Shares43.86%43.10%41.20%40.03%41.57%42.62%41.33%40.58%+55 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps