Mop San Antonio

San Antonio, TX · Charter 3659

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.

San Antonio, TX · Charter 3659

Q2 1998

$2.7MAssets

$2.6MLoans

$2.6MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

-6.31%-1,171 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 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	5.40%	4.37%	7.78%	2.24%	-6.31%	-1,171 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)	14.04%	46.79%	118.48%	112.30%	38.27%	+2,423 bps
Loan Growth (YoY)	39.89%	149.27%	175.62%	142.51%	54.58%	+1,469 bps
Share Growth (YoY)	10.64%	36.58%	112.24%	120.59%	53.43%	+4,280 bps
Asset Quality
Delinquent Loans / Loans	3.98%	4.17%	11.35%	21.34%	8.62%	+463 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.00%	1.28%	1.06%	7.83%	2.88%	+88 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	97.24%	106.79%	109.38%	110.59%	97.96%	+72 bps
Liquid Assets / Assets	8.25%	6.21%	4.87%	4.35%	4.24%	-400 bps