Saguaro

Tucson, AZ · Charter 60695

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.

Tucson, AZ · Charter 60695

Q2 1999

$125.9MAssets

$70.6MLoans

$106.6MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.05%-39 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	4.44%	4.04%	4.26%	4.59%	4.05%	-39 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)	22.95%	25.27%	0.80%	-8.42%	-10.63%	-3,357 bps
Loan Growth (YoY)	11.27%	29.99%	31.93%	17.23%	5.37%	-590 bps
Share Growth (YoY)	22.48%	30.82%	31.74%	9.10%	-1.21%	-2,369 bps
Asset Quality
Delinquent Loans / Loans	0.27%	0.36%	0.76%	0.90%	0.92%	+66 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.86%	0.93%	1.05%	1.26%	1.43%	+58 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	62.15%	61.67%	64.01%	65.58%	66.28%	+414 bps
Liquid Assets / Assets	12.58%	18.43%	12.69%	14.99%	13.44%	+87 bps