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Piscataway Township Employees

Piscataway, NJ · Charter 15140

NCUA · 1 branch

Q2 2022

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 2022, the quarter ended June 30, 2022, 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

Piscataway Township Employees

Piscataway, NJ · Charter 15140

NCUA · 1 branch

Q2 2022

$1.9MAssets
$613KLoans
$1.6MShares
$289KNet 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 0.05%, down 53 bps year over year; NIM at 2.19%.
  • Asset quality: problem loans at 0.27% of loans (+27 bps YoY).
  • Capital: net worth / assets of 15.03%, up 97 bps from a year ago.
  • Funding: loans stand at 37.59% of shares as of Q2 2022.

Financial Results

Return on Assets (YTD, annualized)

0.05%-53 bps YoY

Net Interest Margin (YTD, annualized)

2.19%+98 bps YoY

Efficiency Ratio (YTD, annualized)

94.25%+2,552 bps YoY

Net Worth / Assets

15.03%+97 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets0.58%0.92%1.19%0.58%0.05%-53 bps
Return on Equity4.15%6.18%7.76%3.75%0.33%-382 bps
Net Interest Margin1.21%0.90%2.62%2.21%2.19%+98 bps
Efficiency Ratio68.73%49.57%67.76%76.02%94.25%+2,552 bps
Growth
Asset Growth (YoY)4.02%1.02%1.29%0.63%-0.82%-484 bps
Loan Growth (YoY)-17.02%-5.70%-9.73%-7.13%5.52%+2,254 bps
Share Growth (YoY)4.35%0.09%0.07%-0.80%-1.95%-630 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.25%0.27%+27 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.72%1.60%1.57%1.87%1.66%-6 bps
Capital
Risk-Based Capital14.06%14.93%15.38%15.36%15.03%+97 bps
Net Worth / Assets14.06%14.93%15.38%15.36%15.03%+97 bps
Liquidity & Funding
Loans / Shares34.93%38.30%36.84%34.04%37.59%+266 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps