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Williamstown M.E.

Williamstown, MA · Charter 15398

Q2 2005

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 2005, the quarter ended June 30, 2005, 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

Williamstown M.E.

Williamstown, MA · Charter 15398

Q2 2005

$1.0MAssets
$567KLoans
$955KShares
$71KNet 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 -0.39%, up 372 bps year over year; NIM at 4.02%.
  • Asset quality: problem loans at 9.76% of loans (+288 bps YoY).
  • Capital: net worth / assets of 6.88%, down 112 bps from a year ago.
  • Funding: loans stand at 59.37% of shares as of Q2 2005.

Financial Results

Return on Assets (YTD, annualized)

-0.39%+372 bps YoY

Net Interest Margin (YTD, annualized)

4.02%+39 bps YoY

Efficiency Ratio (YTD, annualized)

108.73%+145 bps YoY

Net Worth / Assets

6.88%-112 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets-4.11%-3.11%-3.14%-0.58%-0.39%+372 bps
Return on Equity-51.30%-37.12%-44.46%-8.73%-5.63%+4,567 bps
Net Interest Margin3.62%3.99%4.57%3.95%4.02%+39 bps
Efficiency Ratio107.28%104.76%109.60%113.74%108.73%+145 bps
Growth
Asset Growth (YoY)-1.94%-0.46%-10.42%-9.89%-14.02%-1,208 bps
Loan Growth (YoY)-10.77%-15.45%-22.44%-29.53%-18.11%-733 bps
Share Growth (YoY)0.39%2.54%-6.81%-6.37%-12.97%-1,335 bps
Asset Quality
Delinquent Loans / Loans6.88%7.64%6.90%10.12%9.76%+288 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.54%0.80%3.49%3.57%3.79%+325 bps
Capital
Risk-Based Capital8.00%8.37%7.06%6.63%6.88%-112 bps
Net Worth / Assets8.00%8.37%7.06%6.63%6.88%-112 bps
Liquidity & Funding
Loans / Shares63.10%65.51%63.16%54.92%59.37%-373 bps
Liquid Assets / Assets38.04%35.96%38.56%45.79%42.16%+412 bps