PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Williams College Employees

Williamstown, MA · Charter 23693

Q1 2013

$1.6MAssets
$383KLoans
$1.5MShares
$108KNet 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 -5.36%, down 370 bps year over year; NIM at 1.53%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 6.75%, down 247 bps from a year ago.
  • Funding: loans stand at 25.77% of shares as of Q1 2013.

Financial Results

Return on Assets (YTD, annualized)

-5.36%-370 bps YoY

Net Interest Margin (YTD, annualized)

1.53%-36 bps YoY

Efficiency Ratio (YTD, annualized)

442%+25,659 bps YoY

Net Worth / Assets

6.75%-247 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
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 Margin1.88%1.89%1.72%1.83%1.53%-36 bps
Efficiency Ratio185.37%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 / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.40%0.40%0.41%0.44%0.52%+12 bps
Capital
Risk-Based Capital9.23%9.04%8.04%7.90%6.75%-247 bps
Net Worth / Assets9.23%9.04%8.04%7.90%6.75%-247 bps
Liquidity & Funding
Loans / Shares31.71%32.46%29.97%30.35%25.77%-594 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps