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Western Heritage

Alliance, NE · Charter 24907

NCUA · 2 branches

Q4 2021

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: Q4 2021, the quarter ended December 31, 2021, 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

Western Heritage

Alliance, NE · Charter 24907

NCUA · 2 branches

Q4 2021

$64.4MAssets
$28.2MLoans
$58.4MShares
$5.6MNet Worth

Executive Summary

  • Earnings: ROA of -0.08%, down 46 bps year over year; NIM at 2.56%.
  • Asset quality: problem loans at 0.99% of loans (-5 bps YoY).
  • Capital: net worth / assets of 8.68%, down 33 bps from a year ago.
  • Funding: loans stand at 48.26% of shares as of Q4 2021.

Return on Assets (YTD, annualized)

-0.08%-46 bps YoY

Net Interest Margin (YTD, annualized)

2.56%-36 bps YoY

Efficiency Ratio (YTD, annualized)

106.01%+1,413 bps YoY

Net Worth / Assets

8.68%-33 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2020Q2 2020Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021Q4 2021YoY ΔTrend
Earnings
Return on Assets0.15%0.00%0.38%0.39%0.47%0.39%0.69%-0.08%-46 bps
Return on Equity1.72%0.03%4.31%4.30%5.40%4.43%7.72%-0.88%-519 bps
Net Interest Margin3.18%2.98%2.96%2.92%2.62%2.59%2.59%2.56%-36 bps
Efficiency Ratio90.48%91.97%92.05%91.87%89.54%91.09%90.25%106.01%+1,413 bps
Growth
Asset Growth (YoY)-1.88%4.70%2.61%2.11%5.87%2.23%6.68%2.85%+74 bps
Loan Growth (YoY)-15.23%-15.79%-11.38%-9.03%-11.23%-9.83%-15.66%-14.41%-538 bps
Share Growth (YoY)-2.11%5.19%3.02%1.05%5.79%2.00%7.26%4.03%+298 bps
Asset Quality
Delinquent Loans / Loans1.34%0.79%1.08%1.04%0.98%0.72%1.12%0.99%-5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.62%2.24%2.54%2.40%2.54%2.65%2.09%2.20%-20 bps
Capital
Risk-Based Capital8.71%8.42%8.88%9.00%8.68%8.80%8.93%8.68%-33 bps
Net Worth / Assets8.71%8.42%8.88%9.00%8.68%8.80%8.93%8.68%-33 bps
Liquidity & Funding
Loans / Shares61.59%57.45%59.57%58.65%51.68%50.79%46.84%48.26%-1,039 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps