West La Cso

Venice, CA · Charter 64483

Q4 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: Q4 1999, the quarter ended December 31, 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.

Venice, CA · Charter 64483

Q4 1999

$102KAssets

$0KLoans

$53KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

-0.79%-428 bps YoY

Net Interest Margin (YTD, annualized)

1.49%

Efficiency Ratio (YTD, annualized)

152.96%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	YoY Δ	Trend
Earnings
Return on Assets	3.49%	3.62%	3.86%	4.68%	-0.79%	-428 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	1.49%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	152.96%	n/a	n/a
Growth
Asset Growth (YoY)	5.24%	-3.31%	-9.36%	-16.55%	-20.19%	-2,543 bps
Loan Growth (YoY)	-5.10%	-27.66%	-52.84%	-100.00%	-100.00%	-9,490 bps
Share Growth (YoY)	3.73%	-8.13%	-19.09%	-28.50%	-33.10%	-3,682 bps
Asset Quality
Delinquent Loans / Loans	0.00%	0.00%	3.07%	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	7.38%	9.19%	13.13%	n/a	n/a	n/a
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	38.44%	34.77%	26.87%	0.00%	0.00%	-3,844 bps
Liquid Assets / Assets	71.70%	70.29%	75.23%	92.52%	89.06%	+1,736 bps