U G I Lehigh Div Emp

Bethlehem, PA · Charter 12027

Q2 2000

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2000, the quarter ended June 30, 2000, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Bethlehem, PA · Charter 12027

Q2 2000

$2.9MAssets

$1.0MLoans

$2.5MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

0.76%-467 bps YoY

Net Interest Margin (YTD, annualized)

2.08%

Efficiency Ratio (YTD, annualized)

63.90%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	5.42%	4.87%	4.15%	0.60%	0.76%	-467 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	2.31%	2.08%	n/a
Efficiency Ratio	n/a	n/a	n/a	74.02%	63.90%	n/a
Growth
Asset Growth (YoY)	-1.81%	0.32%	4.72%	8.12%	7.01%	+882 bps
Loan Growth (YoY)	6.77%	-13.60%	-19.58%	-20.21%	-25.68%	-3,245 bps
Share Growth (YoY)	-3.89%	-1.85%	3.48%	7.19%	6.41%	+1,030 bps
Asset Quality
Delinquent Loans / Loans	1.04%	1.77%	0.68%	0.82%	0.20%	-84 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.17%	1.26%	0.85%	0.90%	0.88%	-29 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Shares	58.80%	53.36%	47.81%	45.23%	41.07%	-1,773 bps
Liquid Assets / Assets	48.00%	52.86%	56.47%	59.07%	62.77%	+1,477 bps