Selfreliance Ua

Newark, NJ · Charter 13133

Q3 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: Q3 2000, the quarter ended September 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.

Newark, NJ · Charter 13133

Q3 2000

$53.1MAssets

$24.7MLoans

$45.5MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

0.82%+41 bps YoY

Net Interest Margin (YTD, annualized)

2.90%+53 bps YoY

Efficiency Ratio (YTD, annualized)

68.95%-923 bps YoY

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	YoY Δ	Trend
Earnings
Return on Assets	0.41%	0.57%	0.72%	0.77%	0.82%	+41 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	2.36%	2.45%	2.83%	2.87%	2.90%	+53 bps
Efficiency Ratio	78.18%	74.53%	71.67%	70.35%	68.95%	-923 bps
Growth
Asset Growth (YoY)	5.87%	5.36%	0.52%	-0.32%	-1.05%	-692 bps
Loan Growth (YoY)	8.17%	5.47%	1.53%	-3.64%	-4.26%	-1,242 bps
Share Growth (YoY)	5.95%	5.52%	-0.10%	-1.24%	-2.19%	-815 bps
Asset Quality
Delinquent Loans / Loans	2.13%	1.22%	0.95%	0.40%	0.40%	-173 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.66%	0.63%	0.71%	0.58%	0.63%	-3 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	55.56%	54.71%	53.87%	53.69%	54.39%	-117 bps
Liquid Assets / Assets	7.76%	8.38%	9.53%	12.10%	13.88%	+611 bps