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Weston Cooperative

Weston, NE · Charter 66277

Q2 2007

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 2007, the quarter ended June 30, 2007, 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

Weston Cooperative

Weston, NE · Charter 66277

Q2 2007

$2.0MAssets
$1.0MLoans
$1.7MShares
$265KNet Worth

Executive Summary

  • Earnings: ROA of 0.41%, up 17 bps year over year; NIM at 4.96%.
  • Asset quality: problem loans at 0.00% of loans (-51 bps YoY).
  • Capital: net worth / assets of 13.20%, down 665 bps from a year ago.
  • Funding: loans stand at 59.65% of shares as of Q2 2007.

Return on Assets (YTD, annualized)

0.41%+17 bps YoY

Net Interest Margin (YTD, annualized)

4.96%-15 bps YoY

Efficiency Ratio (YTD, annualized)

92.44%-339 bps YoY

Net Worth / Assets

13.20%-665 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets1.31%1.10%0.40%0.24%-9.40%-6.50%0.39%0.41%+17 bps
Return on Equity6.90%5.99%2.13%1.20%-66.01%-49.74%2.81%3.14%+193 bps
Net Interest Margin5.22%4.93%4.61%5.11%5.19%4.80%5.58%4.96%-15 bps
Efficiency Ratio77.47%80.17%92.07%95.83%97.85%98.76%93.77%92.44%-339 bps
Growth
Asset Growth (YoY)-1.33%5.89%1.91%-4.46%-10.00%-6.12%-8.73%1.43%+589 bps
Loan Growth (YoY)5.87%8.89%10.52%1.84%-9.33%-23.07%-33.79%-32.31%-3,415 bps
Share Growth (YoY)-1.80%5.68%0.70%-6.31%-4.74%-0.30%-3.40%9.67%+1,598 bps
Asset Quality
Delinquent Loans / Loans0.12%0.09%0.39%0.51%5.88%0.00%0.00%0.00%-51 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.59%0.58%0.56%0.61%9.98%6.32%10.53%11.39%+1,078 bps
Capital
Risk-Based Capital19.01%18.36%18.90%19.85%14.23%13.06%13.86%13.20%-665 bps
Net Worth / Assets19.01%18.36%18.90%19.85%14.23%13.06%13.86%13.20%-665 bps
Liquidity & Funding
Loans / Shares94.12%91.42%98.11%96.63%89.58%70.54%67.25%59.65%-3,699 bps
Liquid Assets / Assets20.55%22.69%17.57%0.00%0.00%0.00%0.00%0.00%0 bps