Security

Englewood, CO · Charter 65745

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.

Englewood, CO · Charter 65745

Q2 1997

$505KAssets

$285KLoans

$392KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

3.23%-10 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	3.34%	2.72%	3.38%	1.71%	3.23%	-10 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	-15.38%	-14.82%	-20.74%	n/a
Loan Growth (YoY)	n/a	n/a	-32.19%	-41.15%	-47.72%	n/a
Share Growth (YoY)	n/a	n/a	-18.74%	-15.96%	-23.69%	n/a
Asset Quality
Delinquent Loans / Loans	13.58%	13.25%	19.68%	11.20%	33.43%	+1,985 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.54%	4.03%	2.46%	5.75%	8.39%	+585 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	105.91%	95.60%	85.43%	75.59%	72.57%	-3,334 bps
Liquid Assets / Assets	14.81%	24.86%	30.96%	39.27%	44.86%	+3,005 bps