United Consumers

Kansas City, MO · Charter 4212

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.

Kansas City, MO · Charter 4212

Q2 1999

$77.4MAssets

$38.2MLoans

$68.2MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.06%-31 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 1998	Q3 1998	Q4 1998	Q1 1999	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	4.37%	4.31%	4.17%	4.03%	4.06%	-31 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)	4.57%	4.29%	6.77%	5.81%	7.33%	+276 bps
Loan Growth (YoY)	8.41%	8.58%	6.49%	1.01%	1.98%	-643 bps
Share Growth (YoY)	4.14%	4.81%	7.10%	5.84%	7.71%	+357 bps
Asset Quality
Delinquent Loans / Loans	0.67%	0.54%	0.57%	0.57%	0.35%	-32 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.77%	0.74%	0.76%	0.79%	0.77%	0 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	59.22%	61.68%	58.89%	55.49%	56.07%	-315 bps
Liquid Assets / Assets	22.50%	20.59%	25.11%	25.42%	23.59%	+109 bps