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PSC/Cuny

New York, NY · Charter 23500

Q2 2014

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 2014, the quarter ended June 30, 2014, 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

PSC/Cuny

New York, NY · Charter 23500

Q2 2014

$50.7MAssets
$13.6MLoans
$45.2MShares
$5.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.49%, up 13 bps year over year; NIM at 2.41%.
  • Asset quality: problem loans at 1.70% of loans (+15 bps YoY).
  • Capital: net worth / assets of 10.63%, down 56 bps from a year ago.
  • Funding: loans stand at 29.96% of shares as of Q2 2014.

Return on Assets (YTD, annualized)

0.49%+13 bps YoY

Net Interest Margin (YTD, annualized)

2.41%-21 bps YoY

Efficiency Ratio (YTD, annualized)

78.19%-607 bps YoY

Net Worth / Assets

10.63%-56 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets0.39%0.34%0.53%0.35%-0.39%-0.16%0.57%0.49%+13 bps
Return on Equity3.38%2.97%4.79%3.15%-3.68%-1.49%5.37%4.59%+143 bps
Net Interest Margin2.71%2.62%2.80%2.62%2.61%2.58%2.46%2.41%-21 bps
Efficiency Ratio84.84%86.03%79.41%84.26%107.24%98.85%74.71%78.19%-607 bps
Growth
Asset Growth (YoY)6.44%7.79%9.62%8.40%6.28%5.57%3.49%4.51%-389 bps
Loan Growth (YoY)6.38%8.12%6.83%-1.26%-3.73%-7.67%-7.82%-3.50%-224 bps
Share Growth (YoY)6.82%8.48%10.43%9.58%8.05%7.20%4.87%5.49%-409 bps
Asset Quality
Delinquent Loans / Loans1.59%1.78%1.48%1.55%1.26%1.42%1.36%1.70%+15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.89%0.94%1.00%0.83%0.74%0.95%1.01%0.92%+9 bps
Capital
Risk-Based Capital11.66%11.40%11.11%11.19%10.72%10.64%10.59%10.63%-56 bps
Net Worth / Assets11.66%11.40%11.11%11.19%10.72%10.64%10.59%10.63%-56 bps
Liquidity & Funding
Loans / Shares36.83%36.75%34.35%32.75%32.81%31.65%30.19%29.96%-279 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps