I. G. A.

Feasterville, PA · Charter 22056

Q2 1998

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 1998, the quarter ended June 30, 1998, 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.

Feasterville, PA · Charter 22056

Q2 1998

$160.0MAssets

$99.0MLoans

$143.9MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

3.47%-84 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	Q3 1997	Q4 1997	Q1 1998	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	4.31%	4.18%	4.29%	3.37%	3.47%	-84 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)	3.49%	2.97%	-3.67%	-3.37%	-3.09%	-658 bps
Loan Growth (YoY)	6.47%	1.82%	-1.94%	-3.59%	-2.26%	-873 bps
Share Growth (YoY)	2.76%	2.21%	-4.80%	-4.45%	-3.95%	-671 bps
Asset Quality
Delinquent Loans / Loans	1.14%	1.27%	1.12%	0.44%	0.52%	-62 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.65%	1.02%	1.05%	0.76%	0.96%	+31 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	67.62%	69.49%	72.09%	67.31%	68.80%	+118 bps
Liquid Assets / Assets	14.15%	13.79%	16.72%	11.12%	13.45%	-70 bps