PackageTrendsPeer
Letter portraitLegal landscape

Public Service C D Employees

Cranford, NJ · Charter 9197

Q2 2006

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 2006, the quarter ended June 30, 2006, 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

Public Service C D Employees

Cranford, NJ · Charter 9197

Q2 2006

$524KAssets
$276KLoans
$331KShares
$190KNet 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 -0.67%, down 338 bps year over year; NIM at 6.08%.
  • Asset quality: problem loans at 10.80% of loans (-1,456 bps YoY).
  • Capital: net worth / assets of 36.23%, down 14 bps from a year ago.
  • Funding: loans stand at 83.47% of shares as of Q2 2006.

Financial Results

Return on Assets (YTD, annualized)

-0.67%-338 bps YoY

Net Interest Margin (YTD, annualized)

6.08%+131 bps YoY

Efficiency Ratio (YTD, annualized)

111.03%+6,796 bps YoY

Net Worth / Assets

36.23%-14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets2.71%2.36%-10.53%0.66%-0.67%-338 bps
Return on Equity7.45%5.85%-31.03%1.88%-1.85%-931 bps
Net Interest Margin4.77%5.33%6.48%7.99%6.08%+131 bps
Efficiency Ratio43.07%55.77%59.12%91.77%111.03%+6,796 bps
Growth
Asset Growth (YoY)-8.62%-19.67%-27.61%-28.36%-25.08%-1,646 bps
Loan Growth (YoY)-6.30%-2.70%-21.37%-23.50%-24.56%-1,826 bps
Share Growth (YoY)-13.18%-30.89%-28.87%-31.47%-24.87%-1,170 bps
Asset Quality
Delinquent Loans / Loans25.36%12.35%9.12%14.85%10.80%-1,456 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.21%1.46%0.44%4.64%5.49%+429 bps
Capital
Risk-Based Capital36.38%40.28%33.93%35.04%36.23%-14 bps
Net Worth / Assets36.38%40.28%33.93%35.04%36.23%-14 bps
Liquidity & Funding
Loans / Shares83.12%100.82%85.14%87.57%83.47%+34 bps
Liquid Assets / Assets45.57%38.41%42.14%43.97%0.00%-4,557 bps