Business Loans with Bad Credit

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					                                                                                                                                                Cycle Date:      March-2008
                                                                                                                                                  Run Date:      06/20/2008
                                                                                                                                                   Interval:     Quarterly
            Page              Click on links below to jump to FPR contents
              1               Summary Financial Information
              2               Ratio Analysis
              3               Supplemental Ratios
              4               Assets
              5               Liabilities, Shares & Equity
              6               Income Statement
              7               Delinquent Loan Information
              8               Loan Losses & Bankruptcy Information
              9               Indirect & Participation Lending
             10               Real Estate Loan Information 1
             11               Real Estate Loan Information 2
             12               Member Business Loan Information
             13               Investments, Cash, & Cash Equivalents
             14               Other Investment Information
             15               Supplemental Share Information, Off Balance Sheet, & Borrowings
             16               Miscellaneous Information, Programs, & Services
             17               Information Systems & Technology
             18               Graphs 1                   (Delinquency & Net Charge-offs, Loan & Share Growth, Net Worth, Return on Average Assets)
             19               Graphs 2                   (Loans/Assets, Net Long-Term Assets, Net Interest Margin, Cash & Short Term Investments)

                              Parameters:                   N/A


                                                                                          WEST COMMUNITY
                                                                                          Credit Union
                                                                                          4161 HIGHWAY K
                                                                                          ST. CHARLES     MO    63304
                                                                                          Count of CU :                       1
                                                                                          Asset Range :                       100,000,000 - 500,000,000
                                                                                          Peer Group Number :                 5
                                                                                          Count of CU in Peer Group :         938



Charter-Region-SE-District:
62801 - 4 - D - 5

*Note to Users: The peer groups and resulting peer average ratios are based upon all federally insured credit unions within the asset range. Peer average
ratios are not available for aggregate reports.
The ratios on aggregate FPRs are consolidated ratios for the group of credit unions included in the report and do not represent a peer average for that group.
                                                                                           Summary Financial Information
Return to cover                                                                                    For Charter : 62801
06/20/2008                                                                                        Count of CU : 1
CU Name:      WEST COMMUNITY                                                                      Asset Range : 100,000,000 - 500,000,000

Peer Group:       5                                                                                    Criteria : N/A
                                                                                 Count of CU in Peer Group : 938


                                                                        March-2007                June-2007         % Chg      September-2007    % Chg    December-2007    % Chg     March-2008    % Chg
ASSETS:                                                                Amount                   Amount                           Amount                     Amount                  Amount
 Cash & Equivalents                                                      14,324,677               16,368,415          14.3          12,133,220    -25.9       12,909,352      6.4     21,378,901     65.6
TOTAL INVESTMENTS                                                         4,833,553                4,805,753          -0.6           4,896,823      1.9        4,689,057     -4.2      4,919,909      4.9
 Loans Held for Sale                                                        260,600                  233,200         -10.5             370,700     59.0                0   -100.0              0     N/A

 Real Estate Loans                                                        32,685,201               33,361,425            2.1        36,547,312     9.5        38,048,032      4.1     38,047,526       0.0
 Unsecured Loans                                                           9,595,602                9,467,144           -1.3         9,542,078     0.8         9,998,393      4.8      9,686,792      -3.1
 Other Loans                                                              35,487,634               33,629,395           -5.2        32,510,695    -3.3        30,533,910     -6.1     29,463,014      -3.5
 TOTAL LOANS                                                              77,768,437               76,457,964           -1.7        78,600,085     2.8        78,580,335      0.0     77,197,332      -1.8
 (Allowance for Loan & Lease Losses)                                       (264,497)                (265,854)            0.5         (240,922)    -9.4         (251,128)      4.2      (232,779)      -7.3
 Land And Building                                                         5,511,097                5,496,074           -0.3         5,481,051    -0.3         5,472,757     -0.2      5,458,638      -0.3
 Other Fixed Assets                                                          831,748                  825,879           -0.7           827,563     0.2           806,670     -2.5        770,098      -4.5
 NCUSIF Deposit                                                              838,726                  846,852            1.0           934,824    10.4           934,824      0.0        916,132      -2.0
 All Other Assets                                                          2,564,528                2,640,676            3.0         2,795,120     5.8         2,804,981      0.4      2,697,982      -3.8
   TOTAL ASSETS                                                          106,668,869              107,408,959            0.7       105,798,464    -1.5       105,946,848      0.1    113,106,213       6.8
LIABILITIES & CAPITAL:
 Dividends Payable                                                           181,313                  194,123          7.1             196,469      1.2          195,536     -0.5        181,374     -7.2
 Notes & Interest Payable                                                  3,000,000                3,000,000          0.0           3,156,472      5.2        3,000,000     -5.0      3,000,000      0.0
 Accounts Payable & Other Liabilities                                        857,951                  975,778         13.7           2,083,415    113.5        1,521,252    -27.0      1,794,978     18.0
 Uninsured Secondary Capital                                                       0                        0          N/A                   0      N/A                0      N/A              0     N/A
   TOTAL LIABILITIES                                                       4,039,264                4,169,901          3.2           5,436,356     30.4        4,716,788    -13.2      4,976,352      5.5
 Share Drafts                                                             23,427,503               21,941,358         -6.3          20,199,393     -7.9       21,448,898      6.2     22,779,050      6.2
 Regular shares                                                           24,334,137               23,474,259         -3.5          22,272,021     -5.1       21,826,589     -2.0     25,586,914     17.2
 All Other Shares & Deposits                                              46,267,207               49,107,116          6.1          49,392,700      0.6       49,333,020     -0.1     51,019,726      3.4
   TOTAL SHARES & DEPOSITS                                                94,028,847               94,522,733          0.5          91,864,114     -2.8       92,608,507      0.8     99,385,690      7.3
 Regular Reserve                                                           3,188,149                3,254,800          2.1           3,308,012      1.6        3,362,198      1.6      3,419,030      1.7
 Other Reserves                                                               -6,771                   -9,830        -45.2            -429,043 -4,264.6         -424,169      1.1       -409,909      3.4
 Undivided Earnings                                                        5,419,380                5,471,355          1.0           5,619,025      2.7        5,683,524      1.1      5,735,050      0.9
   TOTAL EQUITY                                                            8,600,758                8,716,325          1.3           8,497,994     -2.5        8,621,553      1.5      8,744,171      1.4
   TOTAL LIABILITIES & EQUITY                                            106,668,869              107,408,959          0.7         105,798,464     -1.5      105,946,848      0.1    113,106,213      6.8
INCOME & EXPENSE
 Loan Income*                                                               1,370,110                2,734,214          -0.2         4,141,279     1.0         5,593,023      1.3      1,427,672      2.1
 Investment Income*                                                           109,612                  327,554          49.4           545,987    11.1           710,399     -2.4        166,711     -6.1
 Other Income*                                                                621,244                1,271,178           2.3         1,951,104     2.3         2,631,784      1.2        672,191      2.2
 Salaries & Benefits*                                                         624,694                1,269,269           1.6         1,882,229    -1.1         2,545,238      1.4        697,392      9.6
 Total Other Operating Expenses*                                              751,130                1,522,722           1.4         2,411,144     5.6         3,194,554     -0.6        781,106     -2.2
 Non-operating Income & (Expense)*                                                  0                        0           N/A           147,405    N/A            147,405    -25.0              0   -100.0
 Provision for Loan/Lease Losses*                                              51,368                   96,316          -6.2           165,745    14.7           226,402      2.4         56,496     -0.2
 Cost of Funds*                                                               610,937                1,263,175           3.4         1,944,312     2.6         2,615,388      0.9        623,221     -4.7
 Net Income*                                                                   62,837                  181,464          44.4           382,345    40.5           501,029     -1.7        108,359    -13.5
TOTAL CU's                                                                          1                        1           0.0                 1     0.0                 1      0.0              1      0.0
* Income/Expense items are year-to-date while the related %change ratios are annualized.
# Means the number is too large to display in the cell


                                                                                                                                                                                      1. Summary Financial
                                                                                                                         Ratio Analysis
Return to cover                                                                                                   For Charter : 62801
06/20/2008                                                                                                       Count of CU : 1
CU Name:      WEST COMMUNITY                                                                                    Asset Range : 100,000,000 - 500,000,000

Peer Group:       5                                                                                                   Criteria : N/A
                                                                                                 Count of CU in Peer Group : 938                                                                  December-2007                                             March-2008


                                                                                      March-2007                   June-2007           September-2007                 December-2007 PEER Avg Percentile**                       March-2008 PEER Avg              Percentile**
CAPITAL ADEQUACY
  Net Worth/Total Assets                                                                       8.06                       8.12                       8.43                          8.53          11.93                10                8.09          11.51                 9
  Net Worth/Total Assets--Including Optional Total Assets
Election (if used)                                                                            8.06                       8.12                       8.43                          8.53          11.95                 10               8.09          11.55                 9
  Total Delinquent Loans / Net Worth                                                          2.85                       2.75                       1.17                          2.67           6.70                 31               2.50           5.92                31
  Solvency Evaluation (Estimated)                                                           109.15                     109.22                     109.25                        109.31         114.13                  6             108.80         113.56                 5
  Classified Assets (Estimated) / Net Worth                                                   3.07                       3.05                       2.70                          2.78           4.68                 40               2.54           4.59                34
ASSET QUALITY
  Delinquent Loans / Total Loans                                                               0.32                       0.31                       0.13                          0.31          1.01                 16                0.30          0.96                16
  *Net Charge-Offs / Average Loans                                                             0.15                       0.19                       0.28                          0.27          0.49                 33                0.38          0.59                46
  Fair (Market) HTM Invest Value/Book Value HTM Invest.                                        0.00                       0.00                       0.00                          0.00        101.56                N/A                0.00        101.61               N/A
  Accum Unreal G/L On AFS/Cost Of AFS                                                         -0.51                      -0.76                       0.01                          0.34          0.17                 59                1.22          0.78                67
  Delinquent Loans / Assets                                                                    0.23                       0.22                       0.10                          0.23          0.72                 19                0.20          0.65                19
EARNINGS
  *Return On Average Assets                                                                    0.25                       0.35                      0.50                           0.49           0.64                36                0.40           0.54               39
  *Gross Income/Average Assets                                                                 8.21                       8.43                      8.68                           8.76           7.51                88                8.28           7.22               86
  *Yield on Average Loans                                                                      6.90                       6.94                      6.91                           7.00           6.90                60                7.33           6.93               76
  *Yield on Average Investments                                                                3.55                       4.94                      6.51                           6.25           4.80                97                3.20           3.84               17
  * Fee & Other Op.Income / Avg. Assets                                                        2.43                       2.47                      2.55                           2.58           1.53                91                2.45           1.47               90
  *Cost of Funds / Avg. Assets                                                                 2.39                       2.46                      2.54                           2.56           2.53                54                2.28           2.44               36
  *Net Margin / Avg. Assets                                                                    5.82                       5.98                      6.14                           6.20           4.98                85                6.00           4.79               86
  *Operating Exp./ Avg. Assets                                                                 5.38                       5.44                      5.62                           5.63           3.97                94                5.40           3.92               93
  *Provision For Loan & Lease Losses / Average Assets                                          0.20                       0.19                      0.22                           0.22           0.38                41                0.21           0.43               35
  *Net Interest Margin/Avg. Assets                                                             3.39                       3.50                      3.59                           3.62           3.45                62                3.55           3.32               65
   Operating Exp./Gross Income                                                                65.49                      64.44                     64.68                          64.24          52.24                90               65.23          53.63               87
   Fixed Assets & Foreclosed & Repossessed Assets / Total
Assets \1                                                                                      5.95                       5.89                       5.96                          5.93            3.09               95                5.51           3.01               93
  *Net Operating Exp. /Avg. Assets                                                             3.71                       3.74                       3.83                          3.79            2.86               90                3.70           2.85               88
ASSET / LIABILITY MANAGEMENT
  Net Long-Term Assets / Total Assets                                                        16.37                      17.07                      17.48                         19.53           29.76                21               19.33          30.15               20
  Reg. Shares / Total Shares. & Borrowings                                                   25.08                      24.07                      23.44                         22.83           26.68                45               24.99          26.88               51
  Total Loans / Total Shares                                                                 82.71                      80.89                      85.56                         84.85           81.47                55               77.67          77.05               50
  Total Loans / Total Assets                                                                 72.91                      71.18                      74.29                         74.17           69.31                59               68.25          65.96               52
  Cash + Short-Term Investments / Assets                                                     15.33                      16.93                      13.52                         13.81           15.58                46               19.87          17.81               64
  Total Shares, Dep. & Borrs / Earning Assets                                               101.05                     101.05                     100.54                        100.82           92.94                97               99.81          93.12               95
  Reg Shares + Share Drafts / Total Shares & Borrs                                           49.22                      46.57                      44.70                         45.26           39.86                70               47.24          40.07               75
  Borrowings / Total Shares & Net Worth                                                       2.92                       2.91                       3.13                          2.95            2.07                43                2.76           1.92               36
PRODUCTIVITY
  Members / Potential Members                                                                2.25                       2.24                       2.23                          2.18           23.45                 12               2.18          23.66                12
  Borrowers / Members                                                                       50.41                      50.15                      50.73                         51.50           49.10                 59              49.99          48.10                58
  Members / Full-Time Employees                                                            329.54                     328.35                     326.19                        316.99          360.41                 38             316.55         360.51                37
  Avg. Shares Per Member                                                                   $5,487                     $5,536                     $5,416                        $5,565          $7,476                 28             $5,980         $7,724                31
  Avg. Loan Balance                                                                        $9,002                     $8,930                     $9,134                        $9,169         $12,980                 28             $9,292        $13,059                29
* Salary And Benefits / Full-Time Empl.                                                   $48,053                    $48,818                    $48,262                       $48,481         $53,366                 37            $53,135        $55,198                50
OTHER RATIOS
* Net Worth Growth                                                                            2.94                       4.25                       5.97                          5.86            6.44                48               4.79           5.38                49
* Market (Share) Growth                                                                      40.40                      21.35                      10.09                          8.44            5.10                76              29.27          22.19                75
 * Loan Growth                                                                              -16.82                     -11.64                      -4.24                         -3.20            5.36                15              -7.04           0.30                25
 * Asset Growth                                                                              35.07                      19.04                      10.51                          8.03            5.31                72              27.03          19.67                77
 * Investment Growth                                                                        727.77                     419.65                     194.32                        151.12           10.66                98             224.64         120.81                86
 * Membership Growth                                                                          0.33                      -0.56                      -1.25                         -2.80            1.49                20              -0.55           2.51                32
* Annualization factor: March = 4; June = 2; September =4/3; December = 1 (or no annualizing)
**Percentile Rankings and Peer Average Ratios are produced once a quarter after the data collection is complete. Subsequent corrections to data after this date are not reflected in the Percentile Rank or the Peer Average Ratios until the next cycle.


Percentile Rankings show where the credit union stands in relation to its peers in key areas of performance. To arrive at the percentile ranking, all data for all credit unions in a peer group are arranged in order
from highest (100) to lowest (0) value. The percentile ranking assigned to the credit union is a measure of the relative standing of that ratio in the entire range of ratios. A high or low ranking does not imply good
or bad performance. However, when reviewed in relation to other available data, users may draw conclusions as to the importance of the percentile rank to the credit union's financial performance.
1/ For periods before 2004, the Fixed Assets & Foreclosed and Repossessed assets did not include repossessed vehicles.
                                                                                                                                                                                                                                                                     2. Ratios
                                                                                                                          Supplemental Ratio Analysis
Return to cover                                                                                                            For Charter : 62801
06/20/2008                                                                                                                Count of CU : 1
CU Name:      WEST COMMUNITY                                                                                              Asset Range : 100,000,000 - 500,000,000

Peer Group:       5                                                                                                            Criteria : N/A
                                                                                                             Count of CU in Peer Group : 938


                                                                                                       March-2007           June-2007           September-2007      December-2007    March-2008
OTHER DELINQUENCY RATIOS
Credit Cards DQ > 2 Mo / Total Credit Card Loans                                                            0.25                  0.68                    0.23               0.59           0.54
All Other Loans Delinquent > 2 Mo / Total All Other Loans                                                   0.34                  0.21                    0.25               0.49           0.60
Leases Receivable Delinquent > 2 Mo / Total Leases Receivable                                               0.00                  0.00                    0.00               0.00           0.00
Indirect Loans Delinquent > 2 Mo / Total Indirect Loans                                                     0.00                  0.00                    0.00               0.43           0.86
Participation Loans Delinquent > 2 Mo / Total Participation Loans                                           0.00                  0.00                    0.00               0.00           0.00
Business Loans Delinquent > 1 Mo / Total Business Loans Less Unfund Comm                                    0.00                  0.00                    0.00               0.00           0.00
Business Loans Delinquent > 2 Mo / Total Business Loans Less Unfund Comm                                    0.00                  0.00                    0.00               0.00           0.00
REAL ESTATE LOAN DELINQUENCY
1st Mortgage Fixed and Hybrid/Balloon (> 5 years) Delinquent > 2 Mo / Total 1st Mtg Fixed and
Hybrid/Balloon > 5 years                                                                                    0.87                  0.90                    0.00               0.00           0.00
1st Mortgage Adjustable Rate and Hybrid/Balloon (< 5 years) Delinquent > 2 Mo / Total 1st Mtg
Adjustable Rate and Hybrid/Balloon < 5 years                                                                0.00                  0.00                    0.00               0.00           0.00
Other Real Estate Fixed/Hybrid/Balloon Loans Delinquent > 2 Mo / Total Other RE Fixed/Hybrid/Balloon
Loans                                                                                                       0.00                  0.16                    0.00               0.57           0.00

Other Real Estate Adjustable Rate Loans Delinquent > 2 Mo / Total Other RE Adjustable Rate Loans            0.00                  0.00                    0.00               0.00           0.00
Interest Only and Payment Option First Mortgage Loans Delinquent > 2 Mo / Total Int Only and Pmt Opt
First Mtg Loans                                                                                             0.00                  0.00                    0.00               0.00           0.00
Total Real Estate Loans DQ > 1 Mo / Total Real Estate Loans                                                 0.55                  0.36                    0.00               0.09           0.26
Total Real Estate Loans DQ > 2 Mo / Total Real Estate Loans                                                 0.30                  0.33                    0.00               0.09           0.00
MISCELLANEOUS LOAN LOSS RATIOS
Charge Offs Due To Bankruptcy (YTD) / Total Charge Offs (YTD)                                              10.79                  3.90                   34.48              27.31           0.00
*Net Charge Offs - Credit Cards / Avg Credit Card Loans                                                     0.51                  0.68                    0.82               0.83           2.09
*Net Charge Offs - All Other Loans / Avg All Other Loans                                                    0.20                  0.25                    0.22               0.26           0.33
*Net Charge Offs - 1st Mortgage Loans / Avg 1st Mortgage Loans                                              0.00                  0.00                    0.56               0.41           0.00
*Net Charge Offs - Other RE Loans/ Avg Other RE Loans                                                       0.00                  0.00                    0.00               0.00           0.05
*Net Charge Offs - Leases Receivable / Avg Leases Receivable                                                0.00                  0.00                    0.00               0.00           0.00
*Net Charge Offs - Indirect Loans / Avg Indirect Loans                                                      0.00                  0.00                    0.00               0.00           0.00
*Net Charge Offs - Participation Loans / Avg Participation Loans                                            0.00                  0.00                    0.00               0.00           0.00
*Net Charge Offs - Member Business Loans / Avg Member Business Loans                                        0.00                  0.00                    0.00               0.00           0.00
SPECIALIZED LENDING RATIOS
Indirect Loans Outstanding / Total Loans                                                                   14.39                 13.88                   13.05              12.07         11.33
Participation Loans Outstanding / Total Loans                                                               0.00                  0.00                    1.51               1.65          1.67
Participation Loans Purchased YTD / Total Loans Granted YTD                                                 0.00                  0.00                    0.00               0.00          2.72
* Participation Loans Sold YTD / Total Assets                                                               0.78                  1.13                    2.00               2.94          0.00
Total Business Loans (NMBLB) Less Unfunded Commitments / Total Assets                                       1.38                  1.51                    2.27               2.66          2.70
Loans Purchased From Other Financial Institutions YTD / Loans Granted YTD                                   0.00                  0.00                    0.00               0.00          0.00
REAL ESTATE LENDING RATIOS
Total Fixed Rate Real Estate / Total Assets                                                                 6.96                  7.30                    7.64               8.12          7.89
Total Fixed Rate Real Estate / Total Loans                                                                  9.55                 10.25                   10.29              10.95         11.56
Total Fixed Rate RE Granted YTD / Total Loans Granted YTD                                                  16.75                 20.60                   21.61              22.41         53.28
First Mtg RE Loans Sold YTD/ First Mtg RE Loans Granted YTD                                                66.93                 45.80                   27.72              38.74         72.45
Interest Only & Payment Option First Mortgages / Total Assets                                               0.15                  0.15                    0.15               0.15          0.14
Interest Only & Payment Option First Mortgages / Net Worth                                                  1.84                  1.82                    1.78               1.75          1.73
MISCELLANEOUS RATIOS
Mortgage Servicing Rights / Net Worth                                                                       0.00                  0.00                    0.00              0.00           0.00
Unused Commitments / Cash & ST Investments                                                                280.08                254.08                  329.50            331.60         212.83
* Annualization factor: March = 4; June = 2; September =4/3; December = 1 (or no annualizing)
**Percentile Rankings and Peer Average Ratios are not calculated for Supplemental Ratios.
# Means the number is too large to display in the cell


                                                                                                                                                                                    3. SuppRatios
                                                                                                          Assets
Return to cover                                                                                   For Charter : 62801
06/20/2008                                                                                       Count of CU : 1
CU Name:      WEST COMMUNITY                                                                     Asset Range : 100,000,000 - 500,000,000

Peer Group:       5                                                                                   Criteria : N/A
                                                                                    Count of CU in Peer Group : 938


                                                                            March-2007             June-2007       % Chg       September-2007 % Chg       December-2007    % Chg    March-2008 % Chg
ASSETS
CASH:
  Cash On Hand                                                                  907,767             1,119,003       23.3            1,123,069      0.4         1,343,249    19.6        914,679      -31.9
  Cash On Deposit                                                             7,416,910             1,249,412      -83.2            3,010,151    140.9         6,566,103   118.1      8,464,222       28.9
  Cash Equivalents                                                            6,000,000            14,000,000      133.3            8,000,000    -42.9         5,000,000   -37.5     12,000,000      140.0
TOTAL CASH & EQUIVALENTS                                                     14,324,677            16,368,415       14.3           12,133,220    -25.9        12,909,352     6.4     21,378,901       65.6

INVESTMENTS:
  Trading Securities                                                                  0                     0           N/A                  0     N/A                 0    N/A               0        N/A
  Available for Sale Securities                                               1,331,152             1,277,892           -4.0         1,250,182    -2.2         1,499,144    19.9      1,603,509        7.0
  Held-to-Maturity Securities                                                         0                     0           N/A                  0     N/A                 0    N/A               0        N/A
  Deposits in Commercial Banks, S&Ls, Savings Banks                             198,000               198,000            0.0           396,000   100.0           396,000     0.0        495,000       25.0

Loans to, Deposits in, and Investments in Natural Person Credit Unions \2        80,821                81,893            1.3                 0   -100.0                0     N/A              0       N/A
  Total MCSD and PIC in Corporate CUs                                           611,500               611,500            0.0           620,200      1.4          620,200      0.0       620,200        0.0
  All Other Investments in Corporate Cus                                      2,350,000             2,350,000            0.0         2,350,000      0.0        1,850,000    -21.3     1,950,000        5.4
  All Other Investments \2                                                      262,080               286,468            9.3           280,441     -2.1          323,713     15.4       251,200      -22.4
TOTAL INVESTMENTS                                                             4,833,553             4,805,753           -0.6         4,896,823      1.9        4,689,057     -4.2     4,919,909        4.9

   LOANS HELD FOR SALE                                                          260,600               233,200          -10.5          370,700     59.0                0    -100.0            0         N/A

LOANS AND LEASES:
   Unsecured Credit Card Loans                                                8,056,423             7,973,566           -1.0        8,056,700      1.0         8,525,950      5.8     8,267,305       -3.0
   All Other Unsecured Loans/Lines of Credit                                  1,539,179             1,493,578           -3.0        1,485,378     -0.5         1,472,443     -0.9     1,419,487       -3.6
   New Vehicle Loans                                                         20,358,072            19,095,899           -6.2       17,993,951     -5.8        16,813,192     -6.6    15,659,266       -6.9
   Used Vehicle Loans                                                        11,976,134            11,440,707           -4.5       11,316,064     -1.1        10,601,162     -6.3    10,587,333       -0.1
   1st Mortgage Real Estate Loans/Lines of Credit                            11,605,289            11,706,306            0.9       13,623,028     16.4        14,121,724      3.7    14,316,994        1.4
   Other Real Estate Loans/Lines of Credit                                   21,079,912            21,655,119            2.7       22,924,284      5.9        23,926,308      4.4    23,730,532       -0.8
   Leases Receivable                                                                  0                     0           N/A                 0      N/A                 0     N/A              0       N/A
   Total All Other Loans/Lines of Credit                                      3,153,428             3,092,789           -1.9        3,200,680      3.5         3,119,556     -2.5     3,216,415        3.1
TOTAL LOANS                                                                  77,768,437            76,457,964           -1.7       78,600,085      2.8        78,580,335      0.0    77,197,332       -1.8
(ALLOWANCE FOR LOAN & LEASE LOSSES)                                           (264,497)             (265,854)            0.5        (240,922)     -9.4         (251,128)      4.2     (232,779)       -7.3

   Foreclosed Real Estate                                                             0                     0           N/A                  0     N/A                 0     N/A              0       N/A
   Repossessed Autos                                                                  0                     0           N/A                  0     N/A                 0     N/A              0       N/A
   Foreclosed and Repossessed Other Assets                                            0                     0           N/A                  0     N/A                 0     N/A              0       N/A
TOTAL FORECLOSED and REPOSSESSED ASSETS \1                                            0                     0           N/A                  0     N/A                 0     N/A              0       N/A
Land and Building                                                             5,511,097             5,496,074           -0.3         5,481,051    -0.3         5,472,757     -0.2     5,458,638       -0.3
Other Fixed Assets                                                              831,748               825,879           -0.7           827,563     0.2           806,670     -2.5       770,098       -4.5
NCUA Share Insurance Capitalization Deposit                                     838,726               846,852            1.0           934,824    10.4           934,824      0.0       916,132       -2.0

  Accrued Interest on Loans                                                     217,164               218,520            0.6           236,105     8.0           264,060     11.8       238,970       -9.5
  Accrued Interest on Investments                                                62,261                50,856          -18.3            79,421    56.2            56,213    -29.2       103,691       84.5
  All Other Assets                                                            2,285,103             2,371,300            3.8         2,479,594     4.6         2,484,708      0.2     2,355,321       -5.2
TOTAL OTHER ASSETS                                                            2,564,528             2,640,676            3.0         2,795,120     5.8         2,804,981      0.4     2,697,982       -3.8

TOTAL ASSETS                                                                106,668,869           107,408,959           0.7       105,798,464      -1.5      105,946,848      0.1   113,106,213        6.8
TOTAL CU's                                                                            1                     1           0.0                 1       0.0                1      0.0             1        0.0
1 / OTHER RE OWNED PRIOR TO 2004 2/ LOANS TO, DEPOSITS IN, AND INVESTMENTS IN NATURAL PERSON CUs INCLUDED IN ALL OTHER INVESTMENTS PRIOR TO JUNE 2006 FOR SHORT FORM FILERS
# Means the number is too large to display in the cell


                                                                                                                                                                                                  4. Assets
                                                                                   Liabilities, Shares & Equity
Return to cover                                                                           For Charter : 62801
06/20/2008                                                                               Count of CU : 1
CU Name:      WEST COMMUNITY                                                             Asset Range : 100,000,000 - 500,000,000

Peer Group:      5                                                                            Criteria : N/A
                                                                            Count of CU in Peer Group : 938


                                                                     March-2007            June-2007       % Chg      September-2007     % Chg    December-2007    % Chg    March-2008    % Chg
LIABILITIES, SHARES AND EQUITY
LIABILITIES:
  Uninsured Secondary Capital                                                 0                      0         N/A                   0     N/A                0      N/A             0       N/A
  Other Borrowings                                                          N/A                    N/A                             N/A                      N/A                    N/A
  Other Notes, Promissory Notes, Interest Payable, & Draws Against
Lines of Credit                                                        3,000,000            3,000,000           0.0         3,156,472      5.2         3,000,000     -5.0     3,000,000      0.0
   Borrowing Repurchase Transactions                                           0                    0           N/A                 0      N/A                 0      N/A             0      N/A
   Subordinated Debt                                                           0                    0           N/A                 0      N/A                 0      N/A             0      N/A
   Accrued Dividends and Interest Payable                                181,313              194,123           7.1           196,469      1.2           195,536     -0.5       181,374     -7.2
   Accounts Payable & Other Liabilities                                  857,951              975,778          13.7         2,083,415    113.5         1,521,252    -27.0     1,794,978     18.0
TOTAL LIABILITIES                                                      4,039,264            4,169,901           3.2         5,436,356     30.4         4,716,788    -13.2     4,976,352      5.5

SAVINGS/DEPOSITS:
  Share Drafts                                                        23,427,503           21,941,358          -6.3        20,199,393     -7.9        21,448,898      6.2    22,779,050      6.2
  Regular Shares                                                      24,334,137           23,474,259          -3.5        22,272,021     -5.1        21,826,589     -2.0    25,586,914     17.2
  Money Market Shares                                                 12,744,756           15,313,918          20.2        15,994,943      4.4        16,235,235      1.5    18,856,078     16.1
  Share Certificates                                                  28,608,561           28,141,904          -1.6        27,624,869     -1.8        27,475,302     -0.5    26,429,553     -3.8
  IRA/KEOGH Accounts                                                   4,852,460            5,581,946          15.0         5,690,147      1.9         5,610,768     -1.4     5,701,466      1.6
  All Other Shares /1                                                     32,373               40,236          24.3            53,574     33.1            11,715    -78.1        32,629    178.5
  Non-Member Deposits                                                     29,057               29,112           0.2            29,167      0.2                 0   -100.0             0      N/A
TOTAL SAVINGS/DEPOSITS                                                94,028,847           94,522,733           0.5        91,864,114     -2.8        92,608,507      0.8    99,385,690      7.3

EQUITY:
  Undivided Earnings                                                   5,419,380            5,471,355         1.0           5,619,025      2.7         5,683,524     1.1      5,735,050      0.9
  Regular Reserves                                                     3,188,149            3,254,800         2.1           3,308,012      1.6         3,362,198     1.6      3,419,030      1.7
  Appropriation For Non-Conforming Investments (SCU Only)                      0                    0         N/A                   0      N/A                 0     N/A              0      N/A
  Other Reserves                                                               0                    0         N/A                   0      N/A                 0     N/A              0      N/A
  Miscellaneous Equity                                                         0                    0         N/A                   0      N/A                 0     N/A              0      N/A
  Accumulated Unrealized G/L on AFS Securities                            -6,771               -9,830       -45.2                 182    101.9             5,056 2,678.0         19,316    282.0
  Accumulated Unrealized G/L on Cash Flow Hedges                               0                    0         N/A                   0      N/A                 0     N/A              0      N/A
  Other Comprehensive Income                                                   0                    0         N/A            -429,225      N/A          -429,225     0.0       -429,225      0.0
  Net Income                                                                   0                    0         N/A                   0      N/A                 0     N/A              0      N/A
EQUITY TOTAL                                                           8,600,758            8,716,325         1.3           8,497,994     -2.5         8,621,553     1.5      8,744,171      1.4

TOTAL SHARES & EQUITY                                                102,629,605          103,239,058           0.6       100,362,108      -2.8      101,230,060      0.9   108,129,861      6.8

TOTAL LIABILITIES, SHARES, & EQUITY                                  106,668,869          107,408,959           0.7       105,798,464      -1.5      105,946,848      0.1   113,106,213      6.8

NCUA INSURED SAVINGS:
   Uninsured Shares                                                    1,070,369            1,011,216          -5.5           978,563      -3.2          995,287      1.7     1,749,134     75.7
   Uninsured Non-Member Deposits                                          29,057               29,112           0.2            29,167       0.2                0   -100.0             0      N/A
Total Uninsured Shares & Deposits                                      1,099,426            1,040,328          -5.4         1,007,730      -3.1          995,287     -1.2     1,749,134     75.7
Insured Shares & Deposits                                             92,929,421           93,482,405           0.6        90,856,384      -2.8       91,613,220      0.8    97,636,556      6.6
# Means the number is too large to display in the cell
1/ PRIOR TO JUNE 2006, INCLUDED MONEY MKT, SHARE CERTS, IRA/KEOGHs, AND NONMEMBER SHARES FOR SHORT FORM FILERS


                                                                                                                                                                                  5. LiabShEquity
                                                                                                         Income Statement
Return to cover                                                                                            For Charter : 62801
06/20/2008                                                                                                Count of CU : 1
CU Name:      WEST COMMUNITY                                                                              Asset Range : 100,000,000 - 500,000,000

Peer Group:       5                                                                                            Criteria : N/A
                                                                                             Count of CU in Peer Group : 938


                                                                                   March-2007               June-2007       % Chg       September-2007        % Chg    December-2007     % Chg    March-2008     % Chg
* INCOME AND EXPENSE
INTEREST INCOME:
   Interest on Loans                                                                  1,370,110              2,734,214          -0.2           4,141,279        1.0         5,593,023       1.3    1,427,672         2.1
   Less Interest Refund                                                                      (0)                    (0)          N/A                  (0)       N/A                (0)     N/A            (0)       N/A
   Income from Investments                                                              109,612                327,554          49.4             545,987       11.1           710,399      -2.4      166,711        -6.1
   Income from Trading                                                                         0                      0          N/A                    0       N/A                  0     N/A              0       N/A
TOTAL INTEREST INCOME                                                                 1,479,722              3,061,768           3.5           4,687,266        2.1         6,303,422       0.9    1,594,383         1.2
INTEREST EXPENSE:
   Dividends                                                                            567,517              1,181,109            4.1          1,823,133        2.9         2,454,040       1.0      588,761        -4.0
   Interest on Deposits                                                                       0                      0           N/A                   0        N/A                 0      N/A             0         N/A
   Interest on Borrowed Money                                                            43,420                 82,066           -5.5            121,179       -1.6           161,348      -0.1       34,460       -14.6
TOTAL INTEREST EXPENSE                                                                  610,937              1,263,175            3.4          1,944,312        2.6         2,615,388       0.9      623,221        -4.7
PROVISION FOR LOAN & LEASE LOSSES                                                        51,368                 96,316           -6.2            165,745       14.7           226,402       2.4       56,496        -0.2
NET INTEREST INCOME AFTER PLL                                                           817,417              1,702,277            4.1          2,577,209        0.9         3,461,632       0.7      914,666         5.7
NON-INTEREST INCOME:
   Fee Income                                                                           425,445                870,921           2.4           1,368,241        4.7         1,872,871       2.7      466,073        -0.5
   Other Operating Income                                                               195,799                400,257           2.2             582,863       -2.9           758,913      -2.3      206,118         8.6
   Gain (Loss) on Investments                                                                 0                      0           N/A                   0        N/A                 0       N/A            0         N/A
   Gain (Loss) on Disposition of Assets                                                       0                      0           N/A                   0        N/A                 0       N/A            0         N/A
   Other Non-Oper INC/EXP                                                                     0                      0           N/A             147,405        N/A           147,405     -25.0            0      -100.0
TOTAL NON-INTEREST INCOME                                                               621,244              1,271,178           2.3           2,098,509       10.1         2,779,189      -0.7      672,191        -3.3
NON-INTEREST EXPENSE
   Total Employee Compensation & Benefits                                               624,694              1,269,269            1.6          1,882,229       -1.1         2,545,238       1.4      697,392         9.6
   Travel, Conference Expense                                                            14,407                 25,091          -12.9             46,819       24.4            66,152       6.0       20,327        22.9
   Office Occupancy                                                                      68,245                135,268           -0.9            223,160       10.0           296,556      -0.3       72,056        -2.8
   Office Operation Expense                                                             166,553                333,811            0.2            527,854        5.4           690,822      -1.8      177,766         2.9
   Educational and Promotion                                                             62,555                128,566            2.8            216,644       12.3           289,778       0.3       60,315       -16.7
   Loan Servicing Expense                                                               127,000                262,243            3.2            389,204       -1.1           518,941       0.0      124,364        -4.1
   Professional, Outside Service                                                        292,919                601,428            2.7            954,160        5.8         1,260,522      -0.9      307,502        -2.4
   Member Insurance                                                                       1,361                  2,880            5.8              4,832       11.9             6,471       0.4        1,587        -1.9
   Operating Fees                                                                         3,887                  7,773            0.0             11,803        1.2            15,832       0.6        4,029         1.8
   Misc Operating Expense                                                                14,203                 25,662           -9.7             36,668       -4.7            49,480       1.2       13,160         6.4
TOTAL NON-INTEREST EXPENSE                                                            1,375,824              2,791,991            1.5          4,293,373        2.5         5,739,792       0.3    1,478,498         3.0
NET INCOME                                                                               62,837                181,464           44.4            382,345       40.5           501,029      -1.7      108,359       -13.5
RESERVE TRANSFERS:
  Transfer to Regular Reserve                                                            53,680                120,332          12.1                173,543     -3.9         227,729       -1.6       56,833        -0.2
* All Income/Expense amounts are year-to-date while the related % change ratios are annualized.
# Means the number is too large to display in the cell


                                                                                                                                                                                                                6. IncExp
                                                                                                  Delinquent Loan Information
Return to cover                                                                                           For Charter : 62801
06/20/2008                                                                                               Count of CU : 1
CU Name:       WEST COMMUNITY                                                                            Asset Range : 100,000,000 - 500,000,000

Peer Group:       5                                                                                           Criteria : N/A
                                                                                            Count of CU in Peer Group : 938


                                                                                     March-2007            June-2007       % Chg     September-2007         % Chg    December-2007   % Chg           March-2008     % Chg
 DELINQUENCY SUMMARY - ALL LOAN TYPES
   1 to < 2 Months Delinquent                                                           326,521               143,741       -56.0             153,816          7.0         357,739    132.6              446,322       24.8
   2 to < 6 Months Delinquent                                                           121,131               107,653       -11.1              95,878        -10.9         226,591    136.3              196,442      -13.3
   6 to 12 Months Delinquent                                                            117,589               125,705         6.9               8,794        -93.0               0   -100.0               32,125        N/A
   12 Months & Over Delinquent                                                            6,955                 6,955         0.0                   0       -100.0          14,909      N/A                    0     -100.0
   Total Del Loans - All Types (2 or more Mo)                                           245,675               240,313        -2.2             104,672        -56.4         241,500    130.7              228,567       -5.4
 LOAN DELINQUENCY - BY LOAN TYPE
Unsecured Credit Card Loans
   1 to < 2 Months Delinquent                                                            56,567                39,920      -29.4                   83,443   109.0          186,598   123.6               123,332      -33.9
   2 to < 6 Months Delinquent                                                            20,213                54,193      168.1                   18,134   -66.5           49,906   175.2                26,433      -47.0
   6 to 12 Months Delinquent                                                                  0                     0        N/A                        0     N/A                0     N/A                18,352        N/A
   12 Months & Over Delinquent                                                                0                     0        N/A                        0     N/A                0     N/A                     0        N/A
   Total Del Credit Card Lns (2 or more Mo)                                              20,213                54,193      168.1                   18,134   -66.5           49,906   175.2                44,785      -10.3
Credit Cards DQ > 2 Mo / Total Credit Card Loans                                           0.25                  0.68      170.9                     0.23   -66.9             0.59   160.1                  0.54       -7.5
1st Mortgage Fixed Rate and Hybrid/Balloon > 5 years
 1 to < 2 Months Delinquent                                                                   0                     0          N/A                     0       N/A               0     N/A                 39,102      N/A
 2 to < 6 Months Delinquent                                                                   0                     0          N/A                     0       N/A               0     N/A                      0      N/A
 6 to 12 Months Delinquent                                                               98,707               102,519          3.9                     0    -100.0               0     N/A                      0      N/A
 12 Months & Over Delinquent                                                                  0                     0          N/A                     0       N/A               0     N/A                      0      N/A
 Total Del 1st Mtg Fixed and Hybrid/Balloon Lns > 5yrs (2 or more Mo)                    98,707               102,519          3.9                     0    -100.0               0     N/A                      0      N/A
%1st Mortgage Fixed and Hybrid/Balloon (> 5 yrs) Delinquent > 2 Mo / Total 1st Mtg
Fixed and Hybrid/Balloons > 5 yrs                                                          0.87                   0.90         3.6                   0.00   -100.0            0.00     N/A                   0.00      N/A
1st Mortgage Adjustable Rate Loans and Hybrid/Ballons < 5 years
 1 to < 2 Months Delinquent                                                                  0                       0         N/A                     0      N/A                0     N/A                      0      N/A
 2 to < 6 Months Delinquent                                                                  0                       0         N/A                     0      N/A                0     N/A                      0      N/A
 6 to 12 Months Delinquent                                                                   0                       0         N/A                     0      N/A                0     N/A                      0      N/A
 12 Months & Over Delinquent                                                                 0                       0         N/A                     0      N/A                0     N/A                      0      N/A
 Total Del 1st Mtg Adj Rate Lns (2 or more Mo)                                               0                       0         N/A                     0      N/A                0     N/A                      0      N/A
%1st Mortgage Adjustable Rate Loans and Hybrid/Balloons (< 5 years) Delinquent > 2
Mo / Total 1st Mortgage Adjustable Rate Loans and Hybrids/Balloons < 5 yrs                 0.00                   0.00         N/A                   0.00     N/A             0.00     N/A                   0.00      N/A
Other Real Estate Fixed Rate/Hybrid/Balloon
 1 to < 2 Months Delinquent                                                              60,805                 9,231       -84.8                      0    -100.0               0     N/A                 29,840       N/A
 2 to < 6 Months Delinquent                                                                   0                 9,231         N/A                      0    -100.0          35,550     N/A                      0    -100.0
 6 to 12 Months Delinquent                                                                    0                     0         N/A                      0       N/A               0     N/A                      0       N/A
 12 Months & Over Delinquent                                                                  0                     0         N/A                      0       N/A               0     N/A                      0       N/A
Total Del Other RE Fixed/Hybrid/Balloon Lns (2 or more Mo)                                    0                 9,231         N/A                      0    -100.0          35,550     N/A                      0    -100.0
%Other Real Estate Fixed/Hybrid/Balloon Loans Delinquent > 2 Mo / Total Other RE
Fixed/Hybrid/Balloon Loans                                                                 0.00                   0.16         N/A                   0.00   -100.0            0.57     N/A                   0.00    -100.0
Other Real Estate Adjustable Rate
 1 to < 2 Months Delinquent                                                              21,671                      0     -100.0                      0      N/A                0     N/A                 30,017      N/A
 2 to < 6 Months Delinquent                                                                   0                      0        N/A                      0      N/A                0     N/A                      0      N/A
 6 to 12 Months Delinquent                                                                    0                      0        N/A                      0      N/A                0     N/A                      0      N/A
 12 Months & Over Delinquent                                                                  0                      0        N/A                      0      N/A                0     N/A                      0      N/A
 Total Del Other RE Adj Rate Lns                                                              0                      0        N/A                      0      N/A                0     N/A                      0      N/A
%Other Real Estate Adjustable Rate Loans Delinquent > 2 Mo / Total Other RE
Adjustable Rate Loans                                                                      0.00                   0.00         N/A                   0.00     N/A             0.00     N/A                   0.00      N/A
Leases Receivable
 1 to < 2 Months Delinquent                                                                   0                      0         N/A                      0     N/A                0     N/A                      0      N/A
 2 to < 6 Months Delinquent                                                                   0                      0         N/A                      0     N/A                0     N/A                      0      N/A
 6 to 12 Months Delinquent                                                                    0                      0         N/A                      0     N/A                0     N/A                      0      N/A
 12 Months & Over Delinquent                                                                  0                      0         N/A                      0     N/A                0     N/A                      0      N/A
 Total Del Leases Receivable (2 or more Mo)                                                   0                      0         N/A                      0     N/A                0     N/A                      0      N/A
%Leases Receivable Delinquent > 2 Mo / Total Leases Receivable                             0.00                   0.00         N/A                   0.00     N/A             0.00     N/A                   0.00      N/A
All Other Loans
  1 to < 2 Months Delinquent                                                            187,478                94,590       -49.5                  70,373    -25.6         171,141    143.2              224,031       30.9
  2 to < 6 Months Delinquent                                                            100,918                44,229       -56.2                  77,744     75.8         141,135     81.5              170,009       20.5
  6 to 12 Months Delinquent                                                              18,882                23,186        22.8                   8,794    -62.1               0   -100.0               13,773        N/A
  12 Months & Over Delinquent                                                             6,955                 6,955         0.0                       0   -100.0          14,909      N/A                    0     -100.0
  Total Del All Other Lns (2 or more Mo)                                                126,755                74,370       -41.3                  86,538     16.4         156,044     80.3              183,782       17.8
%All Other Loans Delinquent > 2 Mo / Total All Other Loans                                 0.34                  0.21       -38.1                    0.25     20.2            0.49     91.5                 0.60       22.1
# Means the number is too large to display in the cell


                                                                                                                                                                                              7. Delinquent Loan Information
                                                                                                        Loan Losses & Bankruptcy Information
Return to cover                                                                                                    For Charter : 62801
06/20/2008                                                                                                        Count of CU : 1
CU Name:      WEST COMMUNITY                                                                                      Asset Range : 100,000,000 - 500,000,000

Peer Group:      5                                                                                                     Criteria : N/A
                                                                                                     Count of CU in Peer Group : 938


                                                                                                 March-2007         June-2007       % Chg      September-2007        % Chg    December-2007   % Chg            March-2008     % Chg

LOAN LOSS SUMMARY (TOTAL FOR ALL LOAN TYPES)
 *Total Loans Charged Off                                                                            34,676             95,858       38.2              194,990         35.6         249,978     -3.8                75,356      20.6
 *Total Loans Recovered                                                                               5,108             22,070      116.0               28,431        -14.1          32,184    -15.1                 2,224     -72.4
*NET CHARGE OFFS ($$)                                                                                29,568             73,788       24.8              166,559         50.5         217,794     -1.9                73,132      34.3
**%Net Charge-Offs / Average Loans                                                                     0.15               0.19       25.8                 0.28         48.5            0.27     -1.9                  0.38      37.7

Total Del Loans & *Net Charge-Offs                                                                  275,243            314,101          14.1           271,231        -13.6         459,294     69.3               301,699     -34.3
Combined Delinquency and Net Charge Off Ratio                                                          0.46               0.50           7.9              0.41        -18.0            0.58     41.1                  0.67      15.8

LOAN LOSS SUMMARY BY LOAN TYPE
*Unsecured Credit Card Lns Charged Off                                                               14,074             36,969       31.3                   63,847     15.1          85,399      0.3                45,289     112.1
*Unsecured Credit Card Lns Recovered                                                                  3,764              9,421       25.1                   13,961     -1.2          16,121    -13.4                 1,444     -64.2
*NET UNSECURED CREDIT CARD C/Os                                                                      10,310             27,548       33.6                   49,886     20.7          69,278      4.2                43,845     153.2
**Net Charge Offs - Credit Cards / Avg Credit Card Loans                                               0.51               0.68       34.3                     0.82     20.1            0.83      1.2                  2.09     151.6
*All Other Loans Charged Off                                                                         20,602             58,889       42.9                   75,152    -14.9         108,588      8.4                26,984      -0.6
*All Other Loans Recovered                                                                            1,344             12,649      370.6                   14,470    -23.7          16,063    -16.7                   780     -80.6
*NET ALL OTHER LOAN C/Os                                                                             19,258             46,240       20.1                   60,682    -12.5          92,525     14.4                26,204      13.3
** Net Charge Offs - All Other Loans / Avg All Other Loans                                             0.20               0.25       23.1                     0.22    -11.2            0.26     17.6                  0.33      28.2
*Total 1st Mortgage RE Loan/LOCs Charged Off                                                              0                  0        N/A                   55,991      N/A          55,991    -25.0                     0    -100.0
*Total 1st Mortgage RE Loans/LOCs Recovered                                                               0                  0        N/A                        0      N/A               0      N/A                     0       N/A
*NET 1st MORTGAGE RE LOANS/LOCs C/Os                                                                      0                  0        N/A                   55,991      N/A          55,991    -25.0                     0    -100.0
** Net Charge Offs - 1st Mortgage RE Loans/LOCs / Avg 1st Mortgage RE
Loans/LOCs                                                                                             0.00                0.00         N/A                   0.56     N/A             0.41    -26.4                   0.00   -100.0
*Total Other RE Loans/LOCs Charged Off                                                                    0                   0         N/A                      0     N/A                0      N/A                  3,083      N/A
*Total Other RE Loans/LOCs Recovered                                                                      0                   0         N/A                      0     N/A                0      N/A                      0      N/A
*NET OTHER RE LOANS/LOCs C/Os                                                                             0                   0         N/A                      0     N/A                0      N/A                  3,083      N/A
**Net Charge Offs - Other RE Loans/LOCs / Avg Other RE Loans/LOCs                                      0.00                0.00         N/A                   0.00     N/A             0.00      N/A                   0.05      N/A
*Total Leases Receivable Charged Off                                                                      0                   0         N/A                      0     N/A                0      N/A                      0      N/A
*Total Leases Receivable Recovered                                                                        0                   0         N/A                      0     N/A                0      N/A                      0      N/A
*NET LEASES RECEIVABLE C/Os                                                                               0                   0         N/A                      0     N/A                0      N/A                      0      N/A
**Net Charge Offs - Leases Receivable / Avg Leases Receivable                                          0.00                0.00         N/A                   0.00     N/A             0.00      N/A                   0.00      N/A
BANKRUPTCY SUMMARY
 Number of Members Who Filed Chapter 7 YTD                                                                2                  10     400.0                      11      10.0              11      0.0                      7    -36.4
 Number of Members Who Filed Chapter 13 YTD                                                               4                   6      50.0                       1     -83.3               5    400.0                     10    100.0
 Number of Members Who Filed Chapter 11 YTD                                                               0                   0       N/A                       0       N/A               0      N/A                      0      N/A
Total Number of Members Bankrupt                                                                          6                  16     166.7                      12     -25.0              16     33.3                     17      6.3

Total Loans Outstanding Subject to Bankruptcy (Ch 7,13,11)                                          131,299            170,739        30.0                  88,520   -48.2          132,121     49.3               145,437      10.1
*All Loans Charged Off due to Bankruptcy YTD                                                          3,743              3,743       -50.0                  67,226 1,097.4           68,266    -23.8                     0    -100.0
%Charge Offs Due To Bankruptcy (YTD) / Total Charge Offs (YTD)                                        10.79               3.90       -63.8                   34.48   782.9            27.31    -20.8                  0.00    -100.0
# Means the number is too large to display in the cell
*Amounts are year-to-date while the related %change ratios are annualized.
** Annualization factor: March = 4; June = 2; September =4/3; December = 1 (or no annualizing)


                                                                                                                                                                                              8. Loan Losses & Bankruptcy Information
                                                                                                          Indirect and Participation Lending
Return to cover                                                                                                    For Charter : 62801
06/20/2008                                                                                                        Count of CU : 1
CU Name:      WEST COMMUNITY                                                                                      Asset Range : 100,000,000 - 500,000,000

Peer Group:      5                                                                                                     Criteria : N/A
                                                                                                     Count of CU in Peer Group : 938


                                                                                                 March-2007         June-2007       % Chg      September-2007      % Chg    December-2007    % Chg            March-2008      % Chg
INDIRECT LOANS OUTSTANDING
  Indirect Loans - Point of Sale Arrangement                                                              0                  0          N/A                  0       N/A                 0      N/A                      0       N/A
  Indirect Loans - Outsourced Lending Relationship                                               11,191,473         10,608,754          -5.2        10,259,007       -3.3        9,487,479      -7.5             8,747,154       -7.8
Total Outstanding Indirect Loans                                                                 11,191,473         10,608,754          -5.2        10,259,007       -3.3        9,487,479      -7.5             8,747,154       -7.8
%Indirect Loans Outstanding / Total Loans                                                             14.39              13.88          -3.6             13.05       -5.9            12.07      -7.5                 11.33       -6.2
PARTICIPATION LOANS
Participation Loans Outstanding                                                                           0                  0           N/A          1,188,230      N/A         1,297,252      9.2              1,290,720       -0.5
 *Participation Loans Purchased YTD                                                                       0                  0           N/A                  0      N/A                 0      N/A                247,938        N/A
 *Participation Loans Sold YTD                                                                      207,000            609,300          47.2          1,588,050     73.8         3,114,450     47.1                      0     -100.0
Participation Loans Outstanding / Total Loans                                                          0.00               0.00           N/A               1.51      N/A              1.65      9.2                   1.67        1.3
%Participation Loans Purchased YTD / Total Loans Granted YTD                                           0.00               0.00           N/A               0.00      N/A              0.00      N/A                   2.72        N/A
** %Participation Loans Sold YTD / Total Assets                                                        0.78               1.13          46.2               2.00     76.4              2.94     46.9                   0.00     -100.0

*Loans Purchased from Other Financial Institutions YTD                                                    0                   0         N/A                   0      N/A                0       N/A                       0      N/A

%Loans Purchased From Other Financial Institutions YTD / Loans Granted YTD                             0.00                0.00         N/A                 0.00     N/A              0.00      N/A                    0.00      N/A
DELINQUENCY - INDIRECT LENDING
   1 to < 2 Months Delinquent                                                                        49,990                   4     -100.0                     4     0.0           35,687    ######                 22,241     -37.7
   2 to < 6 Months Delinquent                                                                           462                   0     -100.0                     2     N/A           40,505    ######                 75,028      85.2
   6 to 12 Months Delinquent                                                                              0                   0        N/A                     0     N/A                0       N/A                      0       N/A
   12 Months & Over Delinquent                                                                            0                   0        N/A                     0     N/A                0       N/A                      0       N/A
   Total Del Indirect Lns (2 or more Mo)                                                                462                   0     -100.0                     2     N/A           40,505    ######                 75,028      85.2
%Indirect Loans Delinquent > 2 Mo / Total Indirect Loans                                               0.00                0.00     -100.0                  0.00     N/A             0.43    ######                   0.86     100.9
DELINQUENCY - PARTICIPATION LENDING
   1 to < 2 Months Delinquent                                                                             0                   0         N/A                    0     N/A                 0      N/A                       0      N/A
   2 to < 6 Months Delinquent                                                                             0                   0         N/A                    0     N/A                 0      N/A                       0      N/A
   6 to 12 Months Delinquent                                                                              0                   0         N/A                    0     N/A                 0      N/A                       0      N/A
   12 Months & Over Delinquent                                                                            0                   0         N/A                    0     N/A                 0      N/A                       0      N/A
   Total Del Participation Lns (2 or more Mo)                                                             0                   0         N/A                    0     N/A                 0      N/A                       0      N/A
%Participation Loans Delinquent > 2 Mo / Total Participation Loans                                     0.00                0.00         N/A                 0.00     N/A              0.00      N/A                    0.00      N/A
LOAN LOSSES - INDIRECT LENDING
 *Indirect Loans Charged Off                                                                              0                   0         N/A                    0     N/A                 0      N/A                       0      N/A
 *Indirect Loans Recovered                                                                                0                   0         N/A                    0     N/A                 0      N/A                       0      N/A
 *NET INDIRECT LOAN C/Os                                                                                  0                   0         N/A                    0     N/A                 0      N/A                       0      N/A
**%Net Charge Offs - Indirect Loans / Avg Indirect Loans                                               0.00                0.00         N/A                 0.00     N/A              0.00      N/A                    0.00      N/A
LOAN LOSSES - PARTICIPATION LENDING
 *Participation Loans Charged Off                                                                         0                   0         N/A                    0     N/A                 0      N/A                       0      N/A
 *Participation Loans Recovered                                                                           0                   0         N/A                    0     N/A                 0      N/A                       0      N/A
 *NET PARTICIPATION LOAN C/Os                                                                             0                   0         N/A                    0     N/A                 0      N/A                       0      N/A
**%Net Charge Offs - Participation Loans / Avg Participation Loans                                     0.00                0.00         N/A                 0.00     N/A              0.00      N/A                    0.00      N/A
*Amounts are year-to-date while the related %change ratios are annualized.
** Annualization factor: March = 4; June = 2; September =4/3; December = 1 (or no annualizing)
# Means the number is too large to display in the cell


                                                                                                                                                                                                 9. Indirect and Participation Lending
                                                                                           Real Estate Loan Information 1
Return to cover                                                                                    For Charter : 62801
06/20/2008                                                                                         Count of CU : 1
CU Name:      WEST COMMUNITY                                                                      Asset Range : 100,000,000 - 500,000,000

Peer Group:     5                                                                                       Criteria : N/A
                                                                                     Count of CU in Peer Group : 938


                                                                              March-2007             June-2007       % Chg      September-2007   % Chg    December-2007    % Chg    March-2008   % Chg
REAL ESTATE LOANS OUTSTANDING:
First Mortgages
  Fixed Rate > 15 years                                                        1,623,468             1,544,138           -4.9        1,355,867   -12.2         1,456,074     7.4     1,679,889    15.4
  Fixed Rate 15 years or less                                                    201,215               198,732           -1.2          196,032    -1.4           193,383    -1.4       190,228    -1.6
  Other Fixed Rate                                                                     0                     0           N/A                 0    N/A                  0    N/A              0    N/A
Total Fixed Rate First Mortgages                                               1,824,683             1,742,870           -4.5        1,551,899   -11.0         1,649,457     6.3     1,870,117    13.4
  Balloon/Hybrid > 5 years                                                       281,987               447,856           58.8          566,574    26.5           748,567    32.1       920,622    23.0
  Balloon/Hybrid 5 years or less                                               9,231,487             9,179,508           -0.6       10,423,665    13.6        10,668,546     2.3    10,337,459    -3.1
Total Balloon/Hybrid First Mortgages                                           9,513,474             9,627,364            1.2       10,990,239    14.2        11,417,113     3.9    11,258,081    -1.4
  Adjustable Rate First Mtgs 1 year or less                                      267,132               336,072           25.8        1,080,890   221.6         1,055,154    -2.4     1,188,796    12.7
  Adjustable Rate First Mtgs >1 year                                                   0                     0           N/A                 0    N/A                  0    N/A              0    N/A
Total Adjustable First Mortgages                                                 267,132               336,072           25.8        1,080,890   221.6         1,055,154    -2.4     1,188,796    12.7
TOTAL FIRST MORTGAGE RE LOANS OUTSTANDING                                     11,605,289            11,706,306            0.9       13,623,028    16.4        14,121,724     3.7    14,316,994     1.4
Other Real Estate Loans
 Closed End Fixed Rate                                                         5,321,166             5,648,706           6.2         5,966,916     5.6         6,206,865     4.0     6,129,562     -1.2
 Closed End Adjustable Rate                                                            0                     0           N/A                 0     N/A                 0     N/A             0     N/A
 Open End Adjustable Rate (HELOC)                                             15,758,746            16,006,413           1.6        16,957,368     5.9        17,719,443     4.5    17,600,970     -0.7
 Open End Fixed Rate                                                                   0                     0           N/A                 0     N/A                 0     N/A             0     N/A
TOTAL OTHER REAL ESTATE OUTSTANDING                                           21,079,912            21,655,119           2.7        22,924,284     5.9        23,926,308     4.4    23,730,532     -0.8
TOTAL RE (FIRST AND OTHER) OUTSTANDING                                        32,685,201            33,361,425           2.1        36,547,312     9.5        38,048,032     4.1    38,047,526      0.0
RE LOAN SUMMARY (FIX, ADJ):
   First Mortgage Fixed Rate (includes Hybrids/Balloons > 5yrs)                2,106,670              2,190,726           4.0        2,118,473     -3.3        2,398,024    13.2     2,790,739    16.4
   Other RE Fixed Rate                                                         5,321,166              5,648,706           6.2        5,966,916      5.6        6,206,865     4.0     6,129,562    -1.2
Total Fixed Rate RE Outstanding                                                7,427,836              7,839,432           5.5        8,085,389      3.1        8,604,889     6.4     8,920,301     3.7
%(Total Fixed Rate RE/Total Assets)                                                 6.96                   7.30           4.8             7.64      4.7             8.12     6.3          7.89    -2.9
%(Total Fixed Rate RE/Total Loans)                                                  9.55                  10.25           7.4            10.29      0.3            10.95     6.5         11.56     5.5

  First Mortgage Adj Rate (includes Hybrids/Balloons < 5 yrs)                  9,498,619             9,515,580            0.2       11,504,555    20.9        11,723,700     1.9    11,526,255     -1.7
  Other RE Adj Rate                                                           15,758,746            16,006,413            1.6       16,957,368     5.9        17,719,443     4.5    17,600,970     -0.7
Total Adj Rate RE Outstanding                                                 25,257,365            25,521,993            1.0       28,461,923    11.5        29,443,143     3.4    29,127,225     -1.1

MISCELLANEOUS RE INFORMATION:
Outstanding Interest Only & Optional Payment First Mtg Loans                     158,800                158,766     0.0                158,731     0.0          158,695       0.0      158,647      0.0
%(Interest Only & Payment Option First Mtg / Total Assets)                          0.15                   0.15    -0.7                   0.15     1.5             0.15      -0.2         0.14     -6.4
%(Interest Only & Payment Option First Mtg / Net Worth)                             1.84                   1.82    -1.4                   1.78    -2.3             1.75      -1.3         1.73     -1.2
  Outstanding Residential Construction (Excluding Business Purpose Loans)          2,953                 50,824 1,621.1                190,219   274.3          202,952       6.7            0   -100.0
  Allowance for Loan Losses on all RE Loans                                            0                      0    N/A                       0    N/A                 0      N/A        27,938     N/A
* REAL ESTATE LOANS - AMOUNT GRANTED:
First Mortgages
  * Fixed Rate > 15 years                                                        964,050              2,097,400        8.8           3,702,050    17.7         5,772,250     16.9    3,565,900   147.1
  * Fixed Rate 15 years or less                                                  100,000                100,000      -50.0             205,000    36.7           366,500     34.1      501,600   447.4
  * Other Fixed Rate                                                                   0                      0       N/A                    0    N/A                  0     N/A             0    N/A
* Total Fixed Rate First Mortgages                                             1,064,050              2,197,400        3.3           3,907,050    18.5         6,138,750     17.8    4,067,500   165.0
  * Balloon/Hybrid > 5 years                                                           0                486,966       N/A              642,468   -12.0           873,614      2.0      410,650    88.0
  * Balloon/Hybrid 5 years or less                                               425,688              1,798,223      111.2           5,176,909    91.9         7,992,265     15.8      604,471   -69.7
* Total Balloon/Hybrid First Mortgages                                           425,688              2,285,189      168.4           5,819,377    69.8         8,865,879     14.3    1,015,121   -54.2
  * Adjustable Rate First Mtgs 1 year or less                                    100,000                315,000       57.5           1,017,140   115.3         1,190,392    -12.2      202,952   -31.8
  * Adjustable Rate First Mtgs >1 year                                                 0                      0       N/A                    0    N/A                  0     N/A             0    N/A
* Total Adjustable First Mortgages                                               100,000                315,000       57.5           1,017,140   115.3         1,190,392    -12.2      202,952   -31.8
* TOTAL FIRST MORTGAGE RE LOANS GRANTED                                        1,589,738              4,797,589       50.9          10,743,567    49.3        16,195,021     13.1    5,285,573    30.5
* Amounts are year-to-date while the related %change ratios are annualized.
# Means the number is too large to display in the cell


                                                                                                                                                                                          10. RELoans 1
                                                                                                     Real Estate Loan Information 2
Return to cover                                                                                              For Charter : 62801
06/20/2008                                                                                                   Count of CU : 1
CU Name:      WEST COMMUNITY                                                                                Asset Range : 100,000,000 - 500,000,000

Peer Group:     5                                                                                                Criteria : N/A
                                                                                            Count of CU in Peer Group : 938


                                                                                   March-2007                  June-2007 % Chg           September-2007 % Chg          December-2007 % Chg     March-2008 % Chg
* OTHER REAL ESTATE (Granted)
* Closed End Fixed Rate                                                                391,362                 1,174,004          50.0         2,082,301       18.2        2,839,018     2.3      373,823    -47.3
* Closed End Adjustable Rate                                                                 0                         0          N/A                  0       N/A                 0    N/A             0     N/A
* Open End Adjustable Rate (HELOC)                                                   2,205,989                 4,555,945           3.3         7,102,204        3.9        9,176,631    -3.1    1,998,434    -12.9
* Open End Fixed Rate and Other                                                              0                         0          N/A                  0       N/A                 0    N/A             0     N/A
* TOTAL OTHER REAL ESTATE GRANTED                                                    2,597,351                 5,729,949          10.3         9,184,505        6.9       12,015,649    -1.9    2,372,257    -21.0
* TOTAL RE (FIRST AND OTHER) GRANTED                                                 4,187,089                10,527,538          25.7        19,928,072       26.2       28,210,670     6.2    7,657,830      8.6

%(Total Fixed Rate RE Granted YTD/Total Loans Granted YTD)                                16.75                     20.60         23.0                21.61      4.9           22.41    3.7         53.28   137.8

RE LOANS SOLD/SERVICED
* First Mortgage R.E. Loans Sold                                                     1,064,050                  2,197,400        3.3           2,978,600        -9.6       6,274,350   58.0     3,829,500   144.1
%(First Mtg RE Loans Sold/ First Mtg RE Loans Granted)                                   66.93                      45.80      -31.6               27.72       -39.5           38.74   39.7         72.45    87.0
AMT of Mortgage Servicing Rights                                                             0                          0       N/A                    0        N/A                0   N/A              0    N/A
Outstanding RE Loans Sold But Serviced                                                       0                          0       N/A                    0        N/A                0   N/A              0    N/A
% (Mortgage Servicing Rights / Net Worth)                                                 0.00                       0.00       N/A                 0.00        N/A             0.00   N/A           0.00    N/A

S-Term (<5 Yrs) R.E. Loan (Exc. MBL)                                                22,881,171                22,890,543           0.0        25,984,725       13.5       25,547,445   -1.7    24,843,345    -2.8
R.E. Lns also Mem. Bus. Lns                                                          1,345,574                 1,422,504           5.7         2,212,338       55.5        2,591,639   17.1     2,886,193    11.4

DELINQUENT R.E. LOANS > 2 MOS
  First Mortgage Fixed Rate (includes Balloon/Hybrids > 5 yrs)                          98,707                    102,519          3.9                   0    -100.0               0    N/A             0     N/A
  First Mortgage Adj Rate (includes Balloon/Hybrids < 5 yrs)                                 0                          0         N/A                    0      N/A                0    N/A             0     N/A
  Other R.E. Fixed Rate                                                                      0                      9,231         N/A                    0    -100.0          35,550    N/A             0   -100.0
  Other R.E. Adj. Rate                                                                       0                          0         N/A                    0      N/A                0    N/A             0     N/A
TOTAL DEL R.E. > 2 MOS                                                                  98,707                    111,750         13.2                   0    -100.0          35,550    N/A             0   -100.0

DELINQUENT 1 TO < 2 MOS
  First Mortgage                                                                             0                          0       N/A                      0      N/A                0    N/A        39,102    N/A
  Other                                                                                 82,476                      9,231      -88.8                     0    -100.0               0    N/A        59,857    N/A
Total Del RE 1 to < 2 Mos                                                               82,476                      9,231      -88.8                     0    -100.0               0    N/A        98,959    N/A
Total Del R.E. Loans > 1 Mos                                                           181,183                    120,981      -33.2                     0    -100.0          35,550    N/A        98,959   178.4

RE LOAN DELINQUENCY RATIOS
% R.E. Loans dq > 1 Mos                                                                    0.55                      0.36      -34.6                   0.00   -100.0            0.09    N/A          0.26    178.4
% R.E. Loans dq > 2 Mos                                                                    0.30                      0.33       10.9                   0.00   -100.0            0.09    N/A          0.00   -100.0

R.E LOANS/LOC CHARGE-OFFS AND RECOVERIES:
*Total 1st Mortgage Lns Charged Off                                                              0                       0        N/A             55,991        N/A           55,991   -25.0            0   -100.0
*Total 1st Mortgage Lns Recovered                                                                0                       0        N/A                  0        N/A                0    N/A             0     N/A
*NET 1st MORTGAGE LN C/Os                                                                        0                       0        N/A             55,991        N/A           55,991   -25.0            0   -100.0
** Net Charge Offs - 1st Mortgage Loans / Avg 1st Mortgage
Loans                                                                                      0.00                      0.00         N/A                  0.56     N/A             0.41   -26.4         0.00   -100.0

*Total Other RE Lns Charged Off                                                               0                         0         N/A                     0     N/A                0    N/A         3,083     N/A
*Total Other RE Lns Recovered                                                                 0                         0         N/A                     0     N/A                0    N/A             0     N/A
*NET OTHER RE LN C/Os                                                                         0                         0         N/A                     0     N/A                0    N/A         3,083     N/A
**%Net Charge Offs Other RE Loans / Avg Other RE Loans                                     0.00                      0.00         N/A                  0.00     N/A             0.00    N/A          0.05     N/A
* Amounts are year-to-date and the related % change ratios are annualized.
** Annualization factor: March = 4; June = 2; September =4/3; December = 1 (or no annualizing)
# Means the number is too large to display in the cell


                                                                                                                                                                                                     11. RELoans 2
                                                                                       Member Business Loan Information
Return to cover                                                                                   For Charter : 62801
06/20/2008                                                                                       Count of CU : 1
CU Name:      WEST COMMUNITY                                                                     Asset Range : 100,000,000 - 500,000,000

Peer Group:     5                                                                                     Criteria : N/A
                                                                                    Count of CU in Peer Group : 938


                                                                             March-2007            June-2007       % Chg      September-2007       % Chg    December-2007    % Chg   March-2008    % Chg
BUSINESS LOANS
Member Business Loans (NMBLB) \1                                              2,005,498             2,168,908           8.1          2,718,544       25.3        3,312,748    21.9    3,215,051       -2.9
Purchased Business Loans or Participations to Nonmembers (NMBLB) \1                   0                     0           N/A                  0        N/A                0     N/A            0        N/A
Total Business Loans (NMBLB) \1                                               2,005,498             2,168,908           8.1          2,718,544       25.3        3,312,748    21.9    3,215,051       -2.9
Unfunded Commitments \1                                                         530,498               545,109           2.8            320,980      -41.1          499,434    55.6      163,786      -67.2
TOTAL BUSINESS LOANS (NMBLB) LESS UNFUNDED COMMITMENTS \1                     1,475,000             1,623,799          10.1          2,397,564       47.7        2,813,314    17.3    3,051,265        8.5
%(Total Business Loans (NMBLB) Less Unfunded Commitments/ Total
Assets) \1                                                                         1.38                   1.51          9.3                 2.27    49.9              2.66    17.2         2.70        1.6
NUMBER OF BUSINESS LOANS OUTSTANDING:
Number of Outstanding of Business Loans                                             14                      24         71.4                  28     16.7               34     21.4          29       -14.7
Number of Outstanding Purchased Business Loans or Participation Interests
to Nonmembers                                                                         0                      0         N/A                    0      N/A                0      N/A            0       N/A
MISCELLANEOUS BUSINESS LOAN INFORMATION
Construction and Development(NMBLB) \1                                               0                       0     N/A                         0     N/A                0      N/A            0       N/A
Number of Outstanding Construction and Development Loans                             0                       0     N/A                         0     N/A                0      N/A            0       N/A
Unsecured Business Loans \1                                                        123                   4,443 3,512.2                     5,299    19.3           48,299    811.5       48,299       0.0
Number of Outstanding Unsecured Business Loans                                       1                       2   100.0                         2     0.0                2      0.0            2       0.0
Purchased or Participation Interest to Members (NMBLB) \1                            0                       0     N/A                         0     N/A                0      N/A            0       N/A
Number of Outstanding Purchased Business Loans or Participation Interests
to Members                                                                            0                      0         N/A                    0      N/A                0      N/A            0       N/A
Agricultural Related (NMBLB) \1                                                       0                      0         N/A                    0      N/A                0      N/A            0       N/A
Number of Outstanding Agricultural Related Loans                                      0                      0         N/A                    0      N/A                0      N/A            0       N/A
AMOUNT OF BUSINESS LOANS GRANTED OR PURCHASED:
* Mbl (NMBLB) Granted YTD \1                                                    347,432               975,990          40.5          2,959,430     102.1         5,170,730    31.0      302,838      -76.6
* Purchased or Participation Interests to Nonmembers (NMBLB) \1                       0                     0           N/A                  0       N/A                 0     N/A            0        N/A
MBL DELINQUENCY:
Total MBL > 1 Month Delinquent                                                        0                      0         N/A                     0     N/A                 0     N/A            0       N/A
% MBL > 1 Month Delinquent                                                         0.00                   0.00         N/A                  0.00     N/A              0.00     N/A         0.00       N/A
Total MBL > 2 Months Delinquent                                                       0                      0         N/A                     0     N/A                 0     N/A            0       N/A
% MBL > 2 Months Delinquent                                                        0.00                   0.00         N/A                  0.00     N/A              0.00     N/A         0.00       N/A
MBL CHARGE-OFFS AND RECOVERIES:
*Total MBL Charge Offs                                                                0                      0         N/A                    0      N/A                0      N/A            0       N/A
*Total MBL Recoveries                                                                 0                      0         N/A                    0      N/A                0      N/A            0       N/A
MISCELLANEOUS MBL INFORMATION:
Real Estate Loans also Reported as Business Loans                             1,345,574             1,422,504           5.7          2,212,338      55.5         2,591,639    17.1    2,886,193       11.4
* Business Loans and Participations Sold                                        207,000               609,300          47.2          1,588,050      73.8         3,114,450    47.1            0     -100.0
SBA Loans Outstanding                                                                 0                     0           N/A                  0       N/A                 0     N/A            0        N/A
Number of SBA Loans Outstanding                                                       0                     0           N/A                  0       N/A                 0     N/A            0        N/A
RISK BASED NET WORTH (RBNW):
Loans and Participation Interests Qualifying for RBNW (CUS >$10m)             1,475,000             1,623,799          10.1          2,451,744      51.0         2,813,314    14.7    3,051,265        8.5
Unfunded Commitments for Loans and Participation Interests Qualifying for
RBNW (CUS >$10m)                                                                530,498               545,109           2.8            391,800      -28.1          500,239    27.7      164,591      -67.1
RE Loans also Reported as Qualifying MBLS for RBNW                            1,345,574             1,422,504           5.7          2,266,508       59.3        2,591,639    14.3    2,886,193       11.4
1/ PART 723 REDEFINED MEMBER BUSINESS LOANS IN OCTOBER 2003;
* Amounts are year-to-date and the related % change ratios are annualized.
                                                                                                                                                                                                  12. MBLs
                                                                 Investments, Cash, & Cash Equivalents
Return to cover                                                               For Charter : 62801
06/20/2008                                                                   Count of CU : 1
CU Name:      WEST COMMUNITY                                                 Asset Range : 100,000,000 - 500,000,000

Peer Group:      5                                                                Criteria : N/A
                                                                Count of CU in Peer Group : 938


                                                         March-2007            June-2007       % Chg      September-2007     % Chg    December-2007    % Chg    March-2008   % Chg
INVESTMENT, CASH ON DEPOSIT AND CASH EQUIVALENTS

SFAS 115 CLASS. OF INVESTMENTS
  Held to Maturity < 1 yr                                         0                     0          N/A                   0     N/A                0      N/A             0     N/A
  Held to Maturity 1-3 yrs                                        0                     0          N/A                   0     N/A                0      N/A             0     N/A
  Held to Maturity 3-5 yrs                                        0                     0          N/A                   0     N/A                0      N/A             0     N/A
  Held to Maturity 5-10 yrs                                       0                     0          N/A                   0     N/A                0      N/A             0     N/A
  Held to Maturity 3-10 yrs                                     N/A                   N/A                              N/A                      N/A                    N/A
  Held to Maturity > 10 yrs                                       0                     0          N/A                   0     N/A                0      N/A             0     N/A
  TOTAL HELD TO MATURITY                                          0                     0          N/A                   0     N/A                0      N/A             0     N/A

  Available for Sale < 1 yr                                 580,471               494,239       -14.9             497,497       0.7          499,375     0.4             0   -100.0
  Available for Sale 1-3 yrs                                499,531               286,891       -42.6             250,023     -12.9          495,709    98.3       507,157      2.3
  Available for Sale 3-5 yrs                                251,150               496,762        97.8             502,662       1.2          504,060     0.3     1,096,352    117.5
  Available for Sale 5-10 yrs                                     0                     0         N/A                   0       N/A                0     N/A             0      N/A
  Available for Sale 3-10 yrs                                   N/A                   N/A                             N/A                        N/A                   N/A
  Available for Sale > 10 yrs                                     0                     0          N/A                  0      N/A                 0     N/A             0     N/A
  TOTAL AVAILABLE FOR SALE                                1,331,152             1,277,892          -4.0         1,250,182      -2.2        1,499,144    19.9     1,603,509     7.0

  Trading < 1 year                                                0                     0          N/A                   0     N/A                0      N/A             0     N/A
  Trading 1-3 years                                               0                     0          N/A                   0     N/A                0      N/A             0     N/A
  Trading 3-5 years                                               0                     0          N/A                   0     N/A                0      N/A             0     N/A
  Trading 5-10 years                                              0                     0          N/A                   0     N/A                0      N/A             0     N/A
  Trading 3-10 years                                            N/A                   N/A                              N/A                      N/A                    N/A
  Trading > 10 years                                              0                     0          N/A                   0     N/A                0      N/A             0     N/A
  TOTAL TRADING                                                   0                     0          N/A                   0     N/A                0      N/A             0     N/A

  Other Investments < 1 yr                               14,858,811            16,565,773        11.5          12,686,592     -23.4       12,785,816      0.8   21,559,222    68.6
  Other Investments 1-3 yrs                               1,960,500             2,211,500        12.8           1,970,200     -10.9        1,720,200    -12.7    1,971,400    14.6
  Other Investments 3-5 yrs                                 100,000                     0      -100.0                   0       N/A          250,000      N/A      250,000     0.0
  Other Investments 5-10 yrs                                      0                     0         N/A                   0       N/A                0      N/A            0     N/A
  Other Investments 3-10 yrs                                    N/A                   N/A                             N/A                        N/A                   N/A
  Other Investments > 10 yrs                                      0                     0           N/A                 0       N/A                0     N/A             0     N/A
TOTAL Other Investments                                  16,919,311            18,777,273          11.0        14,656,792     -21.9       14,756,016     0.7    23,780,622    61.2

MATURITIES :
Total Investments < 1 yr                                 15,439,282            17,060,012          10.5        13,184,089     -22.7       13,285,191     0.8    21,559,222    62.3
Total Investments 1-3 yrs                                 2,460,031             2,498,391           1.6         2,220,223     -11.1        2,215,909    -0.2     2,478,557    11.9
Total Investments 3-5 yrs                                   351,150               496,762          41.5           502,662       1.2          754,060    50.0     1,346,352    78.5
Total Investments 5-10 yrs                                        0                     0           N/A                 0       N/A                0     N/A             0     N/A
Total Investments 3-10 yrs                                      N/A                   N/A                             N/A                        N/A                   N/A
Total Investments > 10 yrs                                        0                     0          N/A                  0       N/A                0     N/A             0     N/A
Total                                                    18,250,463            20,055,165          9.9         15,906,974     -20.7       16,255,160     2.2    25,384,131    56.2
# Means the number is too large to display in the cell


                                                                                                                                                                        13. InvCash
                                                                                        Other Investment Information
Return to cover                                                                                 For Charter : 62801
06/20/2008                                                                                     Count of CU : 1
CU Name:      WEST COMMUNITY                                                                   Asset Range : 100,000,000 - 500,000,000

Peer Group:      5                                                                                  Criteria : N/A
                                                                                  Count of CU in Peer Group : 938


                                                                           March-2007            June-2007       % Chg      September-2007     % Chg    December-2007    % Chg   March-2008   % Chg
INVESTMENT SUMMARY:
U.S. GOVERNMENT OBLIGATIONS                                                        0                       0         N/A                   0     N/A                0      N/A            0      N/A

 Agency/GSE Debt Instruments (not backed by mortgages)                            N/A                   N/A                              N/A                       N/A              757,507
 Agency/GSE Mortgage-Backed Securities                                            N/A                   N/A                              N/A                       N/A              846,002
TOTAL FEDERAL AGENCY SECURITIES                                             1,331,153             1,277,892          -4.0          1,250,182     -2.2        1,499,144    19.9    1,603,509       7.0

 Privately Issued Mortgage-Related Securities                                    N/A                    N/A                              N/A                      N/A                     0
 Privately Issued Mortgage-Backed Securities                                     N/A                    N/A                              N/A                      N/A                     0
TOTAL OTHER MORTGAGE-BACKED SECURITIES                                           N/A                    N/A                              N/A                      N/A                     0

ALL MUTUAL FUNDS & COMMON TRUST INVESTMENTS                                        0                       0         N/A                   0     N/A                0      N/A            0      N/A

MORTGAGE RELATED SECURITIES:
 Collateralized Mortgage Obligations                                           87,924                37,630       -57.2                    0   -100.0         493,625      N/A      846,002     71.4
 Commercial Mortgage Backed Securities                                              0                     0        N/A                     0     N/A                0      N/A            0     N/A

OTHER INVESTMENT INFORMATION:
Non-Mortgage Related Securities With Embedded Options or Complex
Coupon Formulas                                                                    0                       0         N/A                   0     N/A                0      N/A            0      N/A
Non-Mortgage Related Securities With Maturities > 3 Yrs Without Embedded
Options or Complex Coupon Formulas                                                 0                       0         N/A                   0     N/A                0      N/A            0      N/A
Securities per 703.12(b)                                                           0                       0         N/A                   0     N/A                0      N/A            0      N/A
Deposits/Shares per 703.10(a)                                                      0                       0         N/A                   0     N/A                0      N/A            0      N/A
Market Value of Investments Purchased Under Investment Pilot Program
(703.19)                                                                            0                     0          N/A                  0      N/A                 0     N/A            0     N/A
Fair Value of Total Investments                                            18,250,463            20,055,165          9.9         15,906,974     -20.7       16,255,160     2.2   25,384,131     56.2
Investment Repurchase Agreements                                                    0                     0          N/A                  0      N/A                 0     N/A            0     N/A
Borrowing Repurchase Agreements Placed in Investments for Positive
Arbtitrage                                                                          0                     0       N/A                      0    N/A                  0    N/A             0     N/A
Cash on Deposit in Corporate Credit Unions                                  7,372,934             1,149,772      -84.4             2,980,379   159.2         6,538,699   119.4    8,310,419     27.1
Cash on Deposit in Other Financial Institutions                                43,976                99,640      126.6                29,772   -70.1            27,404    -8.0      153,803    461.2

Value of Investments in CUSO                                                  254,807               263,675          3.5             263,675     0.0          263,675      0.0      278,406      5.6
CUSO loans                                                                          0                     0          N/A                   0     N/A                0      N/A            0      N/A
Aggregate cash outlays in CUSO                                                 75,100                75,100          0.0              75,100     0.0           75,100      0.0       75,100      0.0

Inv not Authorized by the FCU Act or NCUA R&R (SCU only)                           0                       0         N/A                   0     N/A                0      N/A            0      N/A
Outstanding Balance of Brokered CDs and Share Certificates Purchased               0                       0         N/A                   0     N/A                0      N/A            0      N/A
# Means the number is too large to display in the cell


                                                                                                                                                                                      14.OtherInvInfo
                                                                 Supplemental Share Information, Off Balance Sheet, & Borrowings
Return to cover                                                                           For Charter : 62801
06/20/2008                                                                                Count of CU : 1
CU Name:      WEST COMMUNITY                                                             Asset Range : 100,000,000 - 500,000,000

Peer Group:      5                                                                            Criteria : N/A
                                                                            Count of CU in Peer Group : 938


                                                                   March-2007              June-2007        % Chg     September-2007    % Chg    December-2007    % Chg     March-2008    % Chg
SUPPLEMENTAL SHARES/DEPOSITS (included in total Shares):

Accounts Held by Member Government Depositors                           194,742               197,324           1.3           200,051     1.4             2,116    -98.9          2,096     -0.9
Accounts Held by Nonmember Government Depositors                              0                     0           N/A                 0     N/A                 0      N/A              0      N/A
Employee Benefit Member Shares                                                0                     0           N/A                 0     N/A                 0      N/A              0      N/A
Employee Benefit Nonmember Shares                                             0                     0           N/A                 0     N/A                 0      N/A              0      N/A
529 Plan Member Deposits                                                      0                     0           N/A                 0     N/A                 0      N/A              0      N/A
Non-dollar Denominated Deposits                                               0                     0           N/A                 0     N/A                 0      N/A              0      N/A
Health Savings Accounts                                                  64,766                84,653          30.7            92,685     9.5           104,814     13.1        154,374     47.3
DollarAmount of Share Certificates >= $100,000                        7,037,011             6,653,270          -5.5         6,910,973     3.9         6,600,336     -4.5      5,850,295    -11.4
DollarAmount of IRA/Keogh >= $100,000                                   821,113             1,432,832          74.5         1,447,825     1.0         1,346,943     -7.0      1,365,387      1.4
Dollar Amount of Share Drafts Swept to Regular Shares or Money
Market Accounts                                                               0                      0         N/A                 0      N/A                0      N/A              0      N/A

SAVING MATURITIES
  < 1 year                                                          88,883,501             89,355,107           0.5        85,816,802     -4.0       87,430,395      1.9     93,669,049      7.1
  1 to 3 years                                                       3,593,759              3,728,427           3.7         4,816,072     29.2        4,075,336    -15.4      4,851,703     19.1
  > 3 years                                                          1,551,587              1,439,199          -7.2         1,231,240    -14.4        1,102,776    -10.4        864,938    -21.6
Total Shares & Deposits                                             94,028,847             94,522,733           0.5        91,864,114     -2.8       92,608,507      0.8     99,385,690      7.3

OFF-BALANCE SHEET UNUSED COMMITMENTS:
  Comm RE, Construction, Land Development                              505,621                499,552          -1.2           276,279    -44.7          497,733     80.2        162,085    -67.4
  Other Unused MBL Commitments                                          24,877                 45,557          83.1            44,701     -1.9            1,701    -96.2          1,701      0.0
  Revolving O/E Lines 1-4 Family                                    22,041,760             21,896,135          -0.7        22,544,966      3.0       23,387,085      3.7     23,302,948     -0.4
  Credit Card Line                                                  18,873,632             19,393,823           2.8        20,004,254      3.1       20,412,496      2.0     20,388,624     -0.1
  Outstanding LOC                                                            0                      0           N/A                 0      N/A                0      N/A         30,000      N/A
  Unsecured Share Draft LOC                                            826,497                863,538           4.5           866,799      0.4          835,601     -3.6        846,090      1.3
  Overdraft Protection Programs                                      3,502,659              3,480,341          -0.6         3,395,120     -2.4        3,365,031     -0.9      3,100,110     -7.9
  Other Unused Commitments                                              10,000                 10,000           0.0            10,000      0.0            8,891    -11.1              0   -100.0
Total Unused Commitments                                            45,785,046             46,188,946           0.9        47,142,119      2.1       48,508,538      2.9     47,831,558     -1.4
%(Unused Commitments / Cash & ST Investments)                           280.08                 254.08          -9.3            329.50     29.7           331.60      0.6         212.83    -35.8

Loans Transferred with Recourse                                       2,135,307             2,190,330          2.6          2,970,968    35.6         4,053,423    36.4       2,553,077    -37.0
Pending Bond Claims                                                           0                     0          N/A                  0     N/A                 0     N/A               0      N/A
Other Contingent Liabilties                                                   0                     0          N/A                  0     N/A                 0     N/A               0      N/A
CREDIT AND BORROWING ARRANGEMENTS:
   Num FHLB Members                                                           1                      1         0.0                 1      0.0                1      0.0              1      0.0
   Num FHLB Borr. Apps.                                                       0                      0         N/A                 0      N/A                0      N/A              0      N/A
   Num FHLB Pre-Pledged                                                       0                      0         N/A                 0      N/A                0      N/A              0      N/A

LINES OF CREDIT (Borrowing)
  Total Credit Lines                                                24,176,599             27,056,653          11.9        27,419,564     1.3        26,186,912     -4.5     27,038,571     3.3
  Total Committed Credit Lines                                               0                      0           N/A                 0     N/A                 0      N/A              0     N/A
  Draws Against Lines of Credit                                              0                      0           N/A           156,472     N/A                 0   -100.0              0     N/A

MISCELLANEOUS BORROWING INFORMATION:
Amount of Borrowings Subject to Early Repayment at Lenders
Option                                                                        0                      0         N/A                 0      N/A                0      N/A              0      N/A
# Means the number is too large to display in the cell


                                                                                                                                                                           15.SuppShareOBS&Borr
                                                                                          Miscellaneous Information, Programs, Services
Return to cover                                                                                               For Charter : 62801
06/20/2008                                                                                                   Count of CU : 1
CU Name:      WEST COMMUNITY                                                                                 Asset Range : 100,000,000 - 500,000,000

Peer Group:    5                                                                                                  Criteria : N/A
                                                                                                Count of CU in Peer Group : 938


                                                                                   March-2007                  June-2007       % Chg     September-2007      % Chg    December-2007    % Chg    March-2008     % Chg
MEMBERSHIP:
  Num Current Members                                                                    17,136                    17,074        -0.4              16,962      -0.7          16,642      -1.9       16,619       -0.1
  Num Potential Members                                                                 762,041                   762,041         0.0             762,041       0.0         762,041       0.0      762,041        0.0
  % Current Members to Potential Members                                                   2.25                      2.24        -0.4                2.23      -0.7            2.18      -1.9         2.18       -0.1
* % Membership Growth                                                                      0.33                     -0.56      -271.4               -1.25    -122.2           -2.80    -125.0        -0.55       80.3
  Total Num Savings Accts                                                                29,109                    29,127         0.1              28,539      -2.0          28,704       0.6       28,809        0.4

EMPLOYEES:
   Num Full-Time Employees                                                                      49                      49         0.0                 47     -4.1               48       2.1           48        0.0
   Num Part-Time Employees                                                                       6                       6         0.0                 10     66.7                9     -10.0            9        0.0
BRANCHES:
   Num of CU Branches                                                                             3                      3         0.0                  3       0.0               3       0.0            3        0.0
   Num of CUs Reporting Shared Branches                                                           1                      1         0.0                  1       0.0               1       0.0            1        0.0
   Plan to add new branches or expand existing facilities in the next
12 months                                                                                   N/A                       N/A                              N/A                      N/A                      0
MISCELLANEOUS LOAN INFORMATION:
**Total Amount of Loans Granted YTD                                                   8,691,066                18,728,663          7.7         30,692,944      9.3        43,969,091     7.4     9,107,200       -17.1
**Loans Excluding Real Estate Loans Sold in Full YTD                                          0                         0          N/A                  0      N/A                 0     N/A             0         N/A

INSURANCE COVERAGE IN ADDITION TO NCUSIF
Share/Deposit Insurance in Addition to NCUSIF                                                     1                      1         0.0                  1       0.0               1       0.0            1        0.0
Dollar Amount of Shares/Deposits Covered by Additional Insurance
                                                                                      6,000,000                 6,000,000          0.0           6,000,000      0.0        8,000,000    33.3     8,000,000        0.0
PROGRAMS AND SERVICES
Indirect Lending                                                                                  1                      1         0.0                  1      0.0                1      0.0             1        0.0
Participation Loans                                                                               1                      1         0.0                  1      0.0                1      0.0             1        0.0
Real Estate Loans                                                                                 1                      1         0.0                  1      0.0                1      0.0             1        0.0
Member Business Loans                                                                             1                      1         0.0                  1      0.0                1      0.0             1        0.0
Risk Based Loans                                                                                  1                      1         0.0                  1      0.0                1      0.0             1        0.0
Direct Financing Leases                                                                           0                      0         N/A                  0      N/A                0      N/A             0        N/A
Mortgage Processing                                                                               1                      1         0.0                  1      0.0                1      0.0             1        0.0
Approved Mortgage Seller                                                                          1                      1         0.0                  1      0.0                1      0.0             1        0.0
Debt Cancellation/Suspension                                                                      0                      0         N/A                  0      N/A                0      N/A             0        N/A
Borrowing Repurchase Agreements                                                                   0                      0         N/A                  0      N/A                0      N/A             0        N/A
Investment Pilot Program                                                                          0                      0         N/A                  0      N/A                0      N/A             0        N/A
Investments not Authorized by the FCU Act (SCUs only)                                             0                      0         N/A                  0      N/A                0      N/A             0        N/A
Deposits and Shares Meeting 703.10(a)                                                             0                      0         N/A                  0      N/A                0      N/A             0        N/A
Brokered Certificates of Deposit (investments)                                                    0                      0         N/A                  0      N/A                0      N/A             0        N/A
Overdraft Protection                                                                              1                      1         0.0                  1      0.0                1      0.0             1        0.0
Overdraft Lines of Credit                                                                         1                      1         0.0                  1      0.0                1      0.0             1        0.0
ATM/Debit Card Program                                                                            1                      1         0.0                  1      0.0                1      0.0             1        0.0
Interest Only or Payment Option First Mortgages                                                   1                      1         0.0                  1      0.0                1      0.0             1        0.0
Insurance/Investment Sales                                                                        1                      1         0.0                  1      0.0                1      0.0             1        0.0
Brokered Deposits (shares acquired through 3rd party)                                             0                      0         N/A                  0      N/A                0      N/A             0        N/A
Fixed Assets - Capital & Operating Leases
Aggregate of Future Capital and Operating Lease Pmts on Fixed
Assets (not discounted to PV)                                                               N/A                       N/A                              N/A                      N/A                      0
* Annualization factor: March = 4; June = 2; September =4/3; December = 1 (or no annualizing)
** Amount is year-to-date and the related % change ratio is annualized.
# Means the number is too large to display in the cell
                                                                                                                                                                                                16.MiscInfoAndServices
                                                                                        Information Systems & Technology
Return to cover                                                                                   For Charter : 62801
06/20/2008                                                                                       Count of CU : 1
CU Name:      WEST COMMUNITY                                                                     Asset Range : 100,000,000 - 500,000,000

Peer Group:    5                                                                                      Criteria : N/A
                                                                                  Count of CU in Peer Group : 938


                                                                           March-2007              June-2007       % Chg     September-2007        % Chg   December-2007   % Chg    March-2008   % Chg

System Used to Maintain Share/Loan Records
Manual System (No Automation)                                                       0                        0         N/A                    0      N/A               0     N/A            0       N/A
Vendor Supplied In-House System                                                     0                        0         N/A                    0      N/A               0     N/A            0       N/A
Vendor On-Line Service Bureau                                                       1                        1         0.0                    1      0.0               1     0.0            1       0.0
CU Developed In-House System                                                        0                        0         N/A                    0      N/A               0     N/A            0       N/A
Other                                                                               0                        0         N/A                    0      N/A               0     N/A            0       N/A

Data Processing Conversion Completed in the Last 6 mo. or Planned in the
Next 12 mo.                                                                         0                        0         N/A                    0      N/A               0     N/A            0       N/A
Electronic Financial Services
Home Banking Via Internet Website                                                   1                        1         0.0                    1      0.0               1     0.0            1       0.0
Audio Response/Phone Based                                                          1                        1         0.0                    1      0.0               1     0.0            1       0.0
Automatic Teller Machine (ATM)                                                      1                        1         0.0                    1      0.0               1     0.0            1       0.0
Kiosk                                                                               0                        0         N/A                    0      N/A               0     N/A            0       N/A
Other                                                                               0                        0         N/A                    0      N/A               0     N/A            0       N/A
Services Offered Electronically
Member Application                                                                 0                        1          N/A                    1      0.0               1     0.0            1       0.0
New Loan                                                                           1                        1          0.0                    1      0.0               1     0.0            1       0.0
Account Balance Inquiry                                                            1                        1          0.0                    1      0.0               1     0.0            1       0.0
Share Draft Orders                                                                 1                        1          0.0                    1      0.0               1     0.0            1       0.0
New Share Account                                                                  1                        1          0.0                    1      0.0               1     0.0            0    -100.0
Loan Payments                                                                      1                        1          0.0                    1      0.0               1     0.0            1       0.0
Account Aggregation                                                                0                        0          N/A                    0      N/A               0     N/A            0      N/A
Internet Access Services                                                           0                        0          N/A                    0      N/A               0     N/A            0      N/A
e-Statements                                                                     N/A                      N/A                               N/A                      N/A                    1
View Account History                                                               1                        1          0.0                    1      0.0               1     0.0            1       0.0
Merchandise Purchase                                                               0                        0          N/A                    0      N/A               0     N/A            0       N/A
Share Account Transfers                                                            1                        1          0.0                    1      0.0               1     0.0            1       0.0
Bill Payment                                                                       1                        1          0.0                    1      0.0               1     0.0            1       0.0
Download Account History                                                           1                        1          0.0                    1      0.0               1     0.0            1       0.0
Electronic Cash                                                                    0                        0          N/A                    0      N/A               0     N/A            0       N/A
Electronic Signature Authentification/Certification                                0                        0          N/A                    0      N/A               0     N/A            0       N/A
Type of World Wide Website Address
Informational                                                                       0                       0          N/A                     0     N/A               0     N/A             0      N/A
Interactive                                                                         0                       0          N/A                     0     N/A               0     N/A             0      N/A
Transactional                                                                       1                       1          0.0                     1     0.0               1      0.0            1      0.0
Number of Members That Use Transactional Website                                4,378                   4,460          1.9                 4,701     5.4           4,533     -3.6        4,815      6.2
No Website, But Planning to Add in the Future                                       0                       0          N/A                     0     N/A               0     N/A             0      N/A
Type of World Wide Website Address Planned for Future
Informational                                                                       0                        0         N/A                    0      N/A               0     N/A            0       N/A
Interactive                                                                         0                        0         N/A                    0      N/A               0     N/A            0       N/A
Transactional                                                                       0                        0         N/A                    0      N/A               0     N/A            0       N/A
Miscellaneous
Internet Access                                                                     1                        1         0.0                    1      0.0               1     0.0            1       0.0
FedLIne Access                                                                      0                        0         N/A                    0      N/A               0     N/A            0       N/A
Process ACH Transactions as Originating Institution                                 1                        1         0.0                    1      0.0               1     0.0            1       0.0
Process ACH Transactions as Receiving Institution                                   1                        1         0.0                    1      0.0               1     0.0            1       0.0

                                                                                                                                                                                                 17.IS&T
                                                                                                         Graphs 1
Return to cover                                                                                  For Charter : 62801
06/20/2008                                                                                      Count of CU : 1
CU Name:       WEST COMMUNITY                                                                   Asset Range : 100,000,000 - 500,000,000

Peer Group:      5                                                                                   Criteria : N/A
                                                                                   Count of CU in Peer Group : 938


Delinquency & Net Charge-Offs
Charge Offs
                           Delinquency & Net Charge-Offs                                                                                        Net Worth To Assets
Due To
Bankruptcy
   1.2             03/07       06/07      09/07       12/07                      03/08                           14.0
                                                                                                               Net Worth To Assets
                     0
Delinquent loans/loans .32          0.31            0.13          0.31            0.30                           12.0               03/07      06/07        09/07          12/07           03/08
   1.0
Net Charge-offs      0.15           0.19            0.28          0.27            0.38                         Net Worth/Assets      8.06       8.12         8.43           8.53            8.09
   0.8                                                                                                           10.0
Peer Delinquency     0.67           0.80            0.90          1.01            0.96                         Peer                 11.53      11.68        11.88          11.94           11.52
PeerNet Charge-offs 0.43
  0.6                               0.45            0.45          0.49            0.59                                8.0

   0.4                                                                                                                6.0

                                                                                                                      4.0
   0.2
                                                                                                                      2.0
   0.0
               03/07           06/07           09/07               12/07             03/08                            0.0
                                                                                                                            03/07           06/07           09/07            12/07             03/08
               Delinquent loans/loans                      Net Charge-offs
               Peer Delinquency                            PeerNet Charge-offs                                                                      Net Worth/Assets         Peer




                                    Loan & Share Growth                                                                                      Return On Average Assets
Loan & Share Growth                                                                                            Return On Average Assets
                     Year
Current Period_Prior03/07          06/07        09/07           12/07            03/08                                              03/07      06/07        09/07          12/07           03/08
   50.0                                                                                                          0.8
Loan Growth        -16.82          -11.64       -4.24            -3.20           -7.04                         Net Income/Average Assets
                                                                                                                                  0.25          0.35         0.50           0.49            0.40
Share Growth
   40.0                40.40       21.35        10.09             8.44           29.27                           0.7
                                                                                                               Peer               0.70          0.71         0.71           0.64            0.54
Peer Share             17.37        9.57            5.87          5.10           22.19                            0.6
   30.0
Peer Loan              -0.85        3.28            5.53          5.36            0.30                            0.5
   20.0                                                                                                           0.4
   10.0                                                                                                           0.3
                                                                                                                  0.2
     0.0
                                                                                                                  0.1
                03/07             06/07         09/07              12/07             03/08
   -10.0
                                                                                                                  0.0
   -20.0                                                                                                                    03/07           06/07          09/07             12/07                 03/08

               Loan Growth           Share Growth           Peer Share            Peer Loan                                                    Net Income/Average Assets            Peer




                                                                                                                                                                                                   18. Graphs 1
                                                                                                    Graphs 2
Return to cover                                                                            For Charter : 62801
06/20/2008                                                                                Count of CU : 1
CU Name:      WEST COMMUNITY                                                              Asset Range : 100,000,000 - 500,000,000

Peer Group:     5                                                                              Criteria : N/A
                                                                             Count of CU in Peer Group : 938


                                      Loans To Assets                                                                              Net Long Term Assets/Assets
Loans To Assets                                                                                          Net Long Term Assets/Assets
                      03/07      06/07          09/07         12/07        03/08                                           03/07        06/07         09/07        12/07         03/08
  76.0                                                                                                     35.0
Loans To Assets       72.91      71.18          74.29         74.17        68.25                                           16.37
                                                                                                         Net Long Term Assets To Assets 17.07         17.48        19.53         19.33
  74.0
Peer                  66.93      67.80          69.19         69.31        65.96                         Peer
                                                                                                           30.0            26.96        28.27         29.20        29.76         30.15
  72.0
                                                                                                            25.0
  70.0
                                                                                                            20.0
  68.0
                                                                                                            15.0
  66.0
  64.0                                                                                                      10.0

  62.0                                                                                                          5.0
  60.0                                                                                                          0.0
               03/07          06/07             09/07              12/07       03/08                                  03/07           06/07           09/07            12/07             03/08

                                         Loans To Assets           Peer                                                               Net Long Term Assets To Assets           Peer




                               Net Interest Margin (NIM)                                                                     Cash & Short-Term Investments To Assets
Net Interest Margin (NIM)                                                                                Cash & Short-Term Investments To Assets
                      03/07      06/07          09/07         12/07        03/08                                           03/07       06/07          09/07        12/07         03/08
  3.7                                                                                                      25.0
NIM                    3.39       3.50           3.59             3.62      3.55                         Cash & Short-Term Investments/Assets
                                                                                                                           15.33       16.93          13.52        13.81         19.87
  3.6
Peer                   3.39       3.43           3.46             3.45      3.32                         Peer              17.96        16.58         15.37        15.58         17.81
  3.6                                                                                                      20.0
  3.5
  3.5                                                                                                       15.0
  3.4
  3.4                                                                                                       10.0
  3.3
  3.3                                                                                                           5.0
  3.2
  3.2                                                                                                           0.0
              03/07           06/07            09/07               12/07       03/08                                  03/07           06/07           09/07            12/07             03/08

                                              NIM          Peer                                                                     Cash & Short-Term Investments/Assets          Peer

NIM=(Net Interest Income-Interest Expense)/Avg Assets(annualized)




                                                                                                                                                                                         19. Graphs 2

				
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