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Weco

West Chicago, IL · Charter 61345

Q1 2006

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: Q1 2006, the quarter ended March 31, 2006, 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

Weco

West Chicago, IL · Charter 61345

Q1 2006

$5.4MAssets
$4.3MLoans
$4.9MShares
$289KNet 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 -28.23%, down 2,569 bps year over year; NIM at 5.33%.
  • Asset quality: problem loans at 0.00% of loans (-1,084 bps YoY).
  • Capital: net worth / assets of 5.31%, down 995 bps from a year ago.
  • Funding: loans stand at 86.64% of shares as of Q1 2006.

Financial Results

Return on Assets (YTD, annualized)

-28.23%-2,569 bps YoY

Net Interest Margin (YTD, annualized)

5.33%+207 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

5.31%-995 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets-2.53%-2.45%-2.91%-6.68%-28.23%-2,569 bps
Return on Equity-16.60%-16.27%-19.63%-57.31%-531%-51,449 bps
Net Interest Margin3.26%4.20%4.43%4.66%5.33%+207 bps
Efficiency Ratio166.88%151.79%156.35%171.10%n/an/a
Growth
Asset Growth (YoY)-14.27%-14.94%-15.34%-18.26%-19.34%-507 bps
Loan Growth (YoY)8.22%6.99%9.35%14.42%22.96%+1,474 bps
Share Growth (YoY)-14.38%-14.48%-15.67%-15.61%-13.95%+43 bps
Asset Quality
Delinquent Loans / Loans10.84%10.30%8.83%3.67%0.00%-1,084 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.65%4.62%1.72%0.49%6.12%+147 bps
Capital
Risk-Based Capital15.27%15.05%14.83%11.66%5.31%-995 bps
Net Worth / Assets15.27%15.05%14.83%11.66%5.31%-995 bps
Liquidity & Funding
Loans / Shares60.63%63.46%73.24%78.48%86.64%+2,601 bps
Liquid Assets / Assets25.10%30.45%14.98%22.38%17.84%-725 bps