Mission Employees

Houston, TX · Charter 1620

Q2 1999

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 1999, the quarter ended June 30, 1999, 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.

Houston, TX · Charter 1620

Q2 1999

$641KAssets

$514KLoans

$545KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

1.56%-101 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	2.57%	2.58%	-2.62%	-6.97%	1.56%	-101 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	n/a	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	1.80%	-1.31%	-24.99%	-40.66%	-45.44%	-4,723 bps
Loan Growth (YoY)	2.61%	-10.65%	-20.57%	-36.23%	-40.10%	-4,270 bps
Share Growth (YoY)	0.53%	-5.91%	-28.69%	-39.68%	-45.70%	-4,623 bps
Asset Quality
Delinquent Loans / Loans	1.89%	12.11%	11.66%	12.94%	14.19%	+1,230 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.47%	1.05%	4.39%	7.33%	5.83%	+437 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	85.60%	74.91%	81.72%	93.09%	94.43%	+883 bps
Liquid Assets / Assets	18.46%	9.12%	26.62%	16.60%	13.95%	-451 bps