PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Weston Cooperative

Weston, NE · Charter 66277

Q2 2007

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

Financial Results

Return on Assets (quarter, annualized)

0.41%+17 bps YoY

Net Interest Margin (quarter, annualized)

4.96%-15 bps YoY

Efficiency Ratio (quarter, annualized)

92.44%-339 bps YoY

Net Worth / Assets

13.20%-665 bps YoY

Discrete quarter, annualized.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets0.24%-9.40%-6.50%0.39%0.41%+17 bps
Return on Equity1.20%-66.01%-49.74%2.81%3.14%+193 bps
Net Interest Margin5.11%5.19%4.80%5.58%4.96%-15 bps
Efficiency Ratio95.83%97.85%98.76%93.77%92.44%-339 bps
Growth
Asset Growth (YoY)-4.46%-10.00%-6.12%-8.73%1.43%+589 bps
Loan Growth (YoY)1.84%-9.33%-23.07%-33.79%-32.31%-3,415 bps
Share Growth (YoY)-6.31%-4.74%-0.30%-3.40%9.67%+1,598 bps
Asset Quality
Delinquent Loans / Loans0.51%5.88%0.00%0.00%0.00%-51 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.61%9.98%6.32%10.53%11.39%+1,078 bps
Capital
Risk-Based Capital19.85%14.23%13.06%13.86%13.20%-665 bps
Net Worth / Assets19.85%14.23%13.06%13.86%13.20%-665 bps
Liquidity & Funding
Loans / Shares96.63%89.58%70.54%67.25%59.65%-3,699 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps