Cytec Credit Union, Inc.

Wallingford, CT · Charter 60437

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.

Wallingford, CT · Charter 60437

Q2 1997

$2.3MAssets

$828KLoans

$2.0MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

1.91%-72 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	2.63%	2.31%	1.80%	1.80%	1.91%	-72 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	-27.30%	-25.77%	-14.33%	n/a
Loan Growth (YoY)	n/a	n/a	-5.36%	-15.82%	-20.05%	n/a
Share Growth (YoY)	n/a	n/a	-29.73%	-28.44%	-15.71%	n/a
Asset Quality
Delinquent Loans / Loans	2.39%	2.91%	2.53%	2.12%	1.52%	-87 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.43%	1.89%	2.16%	1.97%	2.41%	+98 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	44.40%	48.33%	48.30%	47.32%	42.11%	-228 bps
Liquid Assets / Assets	44.71%	45.17%	41.75%	45.60%	46.51%	+180 bps