Williamstown, MA · Charter 23693
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Williamstown, MA · Charter 23693
Q1 2013
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.66% | -1.89% | -1.84% | -2.39% | -5.36% | -370 bps | |
| Return on Equity | -17.99% | -20.90% | -22.90% | -30.33% | -79.35% | -6,136 bps | |
| Net Interest Margin | 1.88% | 1.89% | 1.72% | 1.83% | 1.53% | -36 bps | |
| Efficiency Ratio | 185.37% | 196.93% | 203% | 226% | 442% | +25,659 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.06% | -0.57% | 1.92% | 1.53% | -8.13% | -1,319 bps | |
| Loan Growth (YoY) | -16.89% | -16.83% | -13.90% | -13.28% | -23.20% | -631 bps | |
| Share Growth (YoY) | 7.77% | 1.52% | 4.14% | 4.40% | -5.50% | -1,327 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.40% | 0.40% | 0.41% | 0.44% | 0.52% | +12 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.23% | 9.04% | 8.04% | 7.90% | 6.75% | -247 bps | |
| Net Worth / Assets | 9.23% | 9.04% | 8.04% | 7.90% | 6.75% | -247 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 31.71% | 32.46% | 29.97% | 30.35% | 25.77% | -594 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |