U.F.C.W. District Union Local One

New Hartford, NY · Charter 20996

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.

New Hartford, NY · Charter 20996

Q2 2000

$8.2MAssets

$6.0MLoans

$9.0MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

-45.57%-4,839 bps YoY

Net Interest Margin (YTD, annualized)

4.13%

Efficiency Ratio (YTD, annualized)

n/a

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	2.82%	2.40%	2.71%	0.74%	-45.57%	-4,839 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	6.96%	4.13%	n/a
Efficiency Ratio	n/a	n/a	n/a	84.30%	n/a	n/a	n/a
Growth
Asset Growth (YoY)	-18.92%	-11.59%	-17.45%	-6.87%	-21.51%	-260 bps
Loan Growth (YoY)	-17.37%	-8.82%	-4.12%	-15.93%	-9.33%	+804 bps
Share Growth (YoY)	-21.77%	-12.10%	-16.56%	-7.88%	-4.12%	+1,766 bps
Asset Quality
Delinquent Loans / Loans	4.43%	1.32%	1.16%	2.50%	2.10%	-232 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.90%	1.79%	1.10%	1.27%	1.96%	-94 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	71.25%	75.61%	80.69%	77.17%	67.37%	-387 bps
Liquid Assets / Assets	29.33%	23.78%	11.54%	4.63%	2.43%	-2,690 bps