Insurance Employees

Fort Worth, TX · Charter 60126

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.

Fort Worth, TX · Charter 60126

Q2 1998

$647KAssets

$248KLoans

$475KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

2.06%-88 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	2.93%	3.12%	2.63%	2.49%	2.06%	-88 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)	-15.85%	-12.66%	-19.23%	-10.08%	-10.68%	+517 bps
Loan Growth (YoY)	2.42%	-10.77%	-26.34%	-40.35%	-48.83%	-5,125 bps
Share Growth (YoY)	-11.78%	-8.87%	-16.54%	-13.82%	-14.26%	-249 bps
Asset Quality
Delinquent Loans / Loans	0.20%	1.68%	3.61%	2.66%	0.55%	+35 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.36%	0.52%	0.41%	0.46%	0.21%	-15 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	87.45%	85.93%	75.03%	62.24%	52.19%	-3,526 bps
Liquid Assets / Assets	24.29%	27.95%	39.43%	46.91%	54.54%	+3,025 bps