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Letter portraitLegal landscape

Steinerfilm Employees

Williamstown, MA · Charter 23885

Q2 2011

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 2011, the quarter ended June 30, 2011, 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

Steinerfilm Employees

Williamstown, MA · Charter 23885

Q2 2011

$290KAssets
$142KLoans
$248KShares
$41KNet 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 -6.97%, down 650 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 0.00% of loans (-649 bps YoY).
  • Capital: net worth / assets of 14.25%, down 723 bps from a year ago.
  • Funding: loans stand at 57.16% of shares as of Q2 2011.

Financial Results

Return on Assets (YTD, annualized)

-6.97%-650 bps YoY

Net Interest Margin (YTD, annualized)

2.90%-205 bps YoY

Efficiency Ratio (YTD, annualized)

197.74%+10,268 bps YoY

Net Worth / Assets

14.25%-723 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q3 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets-0.47%-0.61%-1.57%-11.72%-6.97%-650 bps
Return on Equity-2.19%-3.19%-9.01%-79.81%-48.88%-4,669 bps
Net Interest Margin4.95%4.16%3.30%2.73%2.90%-205 bps
Efficiency Ratio95.06%114.70%143.03%228%197.74%+10,268 bps
Growth
Asset Growth (YoY)-1.92%10.69%10.61%-4.06%0.88%+280 bps
Loan Growth (YoY)-15.52%-14.24%-13.40%-28.74%-33.80%-1,829 bps
Share Growth (YoY)-1.84%13.46%15.66%2.51%10.03%+1,187 bps
Asset Quality
Delinquent Loans / Loans6.49%7.16%6.90%0.00%0.00%-649 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.91%3.19%3.66%3.72%4.23%+133 bps
Capital
Risk-Based Capital21.48%19.24%17.41%14.68%14.25%-723 bps
Net Worth / Assets21.48%19.24%17.41%14.68%14.25%-723 bps
Liquidity & Funding
Loans / Shares95.00%75.92%62.80%65.10%57.16%-3,785 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps