Williamstown, MA · Charter 23885
Q2 2011
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 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 4.95% | 4.16% | 3.30% | 2.73% | 2.90% | -205 bps | |
| Efficiency Ratio | 95.06% | 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 / Loans | 6.49% | 7.16% | 6.90% | 0.00% | 0.00% | -649 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.91% | 3.19% | 3.66% | 3.72% | 4.23% | +133 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.48% | 19.24% | 17.41% | 14.68% | 14.25% | -723 bps | |
| Net Worth / Assets | 21.48% | 19.24% | 17.41% | 14.68% | 14.25% | -723 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.00% | 75.92% | 62.80% | 65.10% | 57.16% | -3,785 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |