M.H. Employees

Wilkes Barre, PA · Charter 22800

Q4 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: Q4 1998, the quarter ended December 31, 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.

Wilkes Barre, PA · Charter 22800

Q4 1998

$2.1MAssets

$1.4MLoans

$1.8MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.35%-20 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	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	4.55%	4.31%	4.50%	3.22%	4.35%	-20 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)	10.60%	12.53%	12.53%	7.92%	2.68%	-791 bps
Loan Growth (YoY)	2.38%	-12.77%	-6.93%	22.72%	51.46%	+4,907 bps
Share Growth (YoY)	10.42%	12.70%	12.05%	7.46%	-0.73%	-1,115 bps
Asset Quality
Delinquent Loans / Loans	3.06%	1.67%	1.95%	1.50%	0.56%	-249 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.61%	0.93%	0.91%	1.34%	0.58%	-104 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	52.69%	47.55%	51.91%	60.61%	80.40%	+2,770 bps
Liquid Assets / Assets	51.07%	55.10%	51.62%	40.54%	24.83%	-2,623 bps