Williamstown, MA · Charter 15398
Q2 2005
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 3.62% | 3.99% | 4.57% | 3.95% | 4.02% | +39 bps | |
| Efficiency Ratio | 107.28% | 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 / Loans | 6.88% | 7.64% | 6.90% | 10.12% | 9.76% | +288 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.54% | 0.80% | 3.49% | 3.57% | 3.79% | +325 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.00% | 8.37% | 7.06% | 6.63% | 6.88% | -112 bps | |
| Net Worth / Assets | 8.00% | 8.37% | 7.06% | 6.63% | 6.88% | -112 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.10% | 65.51% | 63.16% | 54.92% | 59.37% | -373 bps | |
| Liquid Assets / Assets | 38.04% | 35.96% | 38.56% | 45.79% | 42.16% | +412 bps | |