MN. State Univ. Student Assoc.

Mankato, MN · Charter 24397

Q2 1997

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 1997, the quarter ended June 30, 1997, 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.

Mankato, MN · Charter 24397

Q2 1997

$1.6MAssets

$741KLoans

$1.6MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

-9.38%-1,408 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	4.70%	3.25%	1.09%	1.84%	-9.38%	-1,408 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)	n/a	n/a	217%	72.55%	35.42%	n/a
Loan Growth (YoY)	n/a	n/a	163.33%	89.42%	56.29%	n/a
Share Growth (YoY)	n/a	n/a	216%	75.36%	46.04%	n/a
Asset Quality
Delinquent Loans / Loans	3.54%	7.36%	6.83%	9.57%	6.65%	+312 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.95%	4.33%	3.36%	3.67%	5.24%	+228 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	43.42%	39.84%	46.39%	42.34%	46.47%	+305 bps
Liquid Assets / Assets	50.12%	42.69%	35.12%	37.69%	34.15%	-1,597 bps