Gulton D.S.D.

Albuquerque, NM · Charter 17485

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.

Albuquerque, NM · Charter 17485

Q2 2000

$968KAssets

$620KLoans

$823KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

1.04%-338 bps YoY

Net Interest Margin (YTD, annualized)

4.20%

Efficiency Ratio (YTD, annualized)

75.19%

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	4.42%	4.49%	4.88%	1.16%	1.04%	-338 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	4.16%	4.20%	n/a
Efficiency Ratio	n/a	n/a	n/a	71.47%	75.19%	n/a
Growth
Asset Growth (YoY)	13.17%	6.96%	11.38%	35.68%	18.76%	+559 bps
Loan Growth (YoY)	2.58%	12.54%	26.40%	25.79%	4.40%	+182 bps
Share Growth (YoY)	11.15%	4.88%	9.78%	38.19%	18.17%	+702 bps
Asset Quality
Delinquent Loans / Loans	0.72%	0.06%	0.16%	0.00%	0.26%	-46 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.22%	1.16%	0.98%	0.57%	0.76%	-46 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	85.36%	89.85%	96.59%	82.41%	75.41%	-995 bps
Liquid Assets / Assets	19.09%	22.04%	14.76%	0.00%	0.00%	-1,909 bps