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Westhoma

Clinton, OK · Charter 9241

Q3 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: Q3 2007, the quarter ended September 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

Westhoma

Clinton, OK · Charter 9241

Q3 2007

$575KAssets
$366KLoans
$523KShares
$52KNet 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 -25.48%, down 2,540 bps year over year; NIM at 4.88%.
  • Asset quality: problem loans at 11.61% of loans (+1,161 bps YoY).
  • Capital: net worth / assets of 9.00%, down 1,285 bps from a year ago.
  • Funding: loans stand at 70.04% of shares as of Q3 2007.

Financial Results

Return on Assets (YTD, annualized)

-25.48%-2,540 bps YoY

Net Interest Margin (YTD, annualized)

4.88%+401 bps YoY

Efficiency Ratio (YTD, annualized)

124.39%+1,613 bps YoY

Net Worth / Assets

9.00%-1,285 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets-0.08%0.27%2.50%-0.04%-25.48%-2,540 bps
Return on Equity-0.38%1.26%10.80%-0.17%-283%-28,260 bps
Net Interest Margin0.88%4.11%6.75%3.66%4.88%+401 bps
Efficiency Ratio108.26%93.46%64.36%101.05%124.39%+1,613 bps
Growth
Asset Growth (YoY)-13.04%-11.63%-11.47%-13.04%-22.83%-979 bps
Loan Growth (YoY)-11.75%-3.67%7.47%-2.15%-3.71%+804 bps
Share Growth (YoY)-16.12%-14.80%-14.05%-15.89%-9.99%+613 bps
Asset Quality
Delinquent Loans / Loans0.00%4.36%4.29%14.80%11.61%+1,161 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.77%3.73%3.64%3.70%27.45%+2,368 bps
Capital
Risk-Based Capital21.86%21.65%23.16%23.60%9.00%-1,285 bps
Net Worth / Assets21.86%21.65%23.16%23.60%9.00%-1,285 bps
Liquidity & Funding
Loans / Shares65.47%65.56%73.38%72.86%70.04%+457 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps