First

Tempe, AZ · Charter 194

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.

Tempe, AZ · Charter 194

Q2 2000

$283.8MAssets

$199.7MLoans

$251.5MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

1.17%-300 bps YoY

Net Interest Margin (YTD, annualized)

4.10%

Efficiency Ratio (YTD, annualized)

74.30%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1999	Q3 1999	Q4 1999	Q1 2000	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	4.16%	1.16%	1.14%	0.83%	1.17%	-300 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	4.12%	4.17%	4.06%	4.10%	n/a
Efficiency Ratio	n/a	75.12%	74.29%	78.27%	74.30%	n/a
Growth
Asset Growth (YoY)	10.34%	12.47%	6.50%	13.78%	10.85%	+51 bps
Loan Growth (YoY)	0.03%	1.50%	10.69%	16.95%	25.12%	+2,509 bps
Share Growth (YoY)	10.39%	11.30%	6.02%	14.16%	10.60%	+21 bps
Asset Quality
Delinquent Loans / Loans	0.45%	0.37%	0.40%	0.37%	0.29%	-16 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.61%	0.56%	0.62%	0.61%	0.55%	-6 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	70.18%	73.37%	78.51%	73.73%	79.39%	+921 bps
Liquid Assets / Assets	15.31%	10.08%	6.70%	8.25%	5.40%	-991 bps