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McKeesport, PA · Charter 3043

Q2 1999

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 1999, the quarter ended June 30, 1999, 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.

McKeesport, PA · Charter 3043

Q2 1999

$642KAssets

$408KLoans

$562KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

2.95%-101 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	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	3.97%	3.65%	3.69%	3.77%	2.95%	-101 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)	1.02%	7.23%	1.08%	6.12%	8.15%	+712 bps
Loan Growth (YoY)	10.54%	4.29%	-21.03%	-23.94%	-23.38%	-3,392 bps
Share Growth (YoY)	2.97%	8.22%	15.32%	19.13%	9.45%	+648 bps
Asset Quality
Delinquent Loans / Loans	0.69%	3.11%	6.16%	6.06%	9.29%	+859 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.39%	1.02%	2.33%	2.58%	2.84%	+145 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	103.71%	94.33%	83.16%	77.53%	72.60%	-3,111 bps
Liquid Assets / Assets	1.43%	1.40%	0.00%	0.00%	28.90%	+2,747 bps