Shoreline Credit Union, Inc.

Madison, CT · Charter 66040

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.

Madison, CT · Charter 66040

Q2 1999

$3.1MAssets

$1.4MLoans

$2.9MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.57%-5 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	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	2.80%	1.87%	2.20%	2.62%	2.49%	3.15%	3.30%	2.57%	-5 bps
Return on Equity	n/a	n/a	n/a	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	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	-5.56%	-7.36%	-8.93%	-1.87%	-11.25%	-14.12%	-8.20%	+73 bps
Loan Growth (YoY)	n/a	29.06%	41.22%	23.10%	11.45%	-7.25%	-32.07%	-43.57%	-6,667 bps
Share Growth (YoY)	n/a	-5.63%	-7.57%	-9.66%	-1.91%	-12.68%	-16.17%	-9.27%	+39 bps
Asset Quality
Delinquent Loans / Loans	0.17%	0.21%	0.16%	0.76%	0.34%	0.06%	0.21%	3.40%	+264 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.63%	1.78%	1.29%	1.31%	1.43%	1.49%	1.75%	2.07%	+76 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	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	n/a	n/a	n/a
Liquidity & Funding
Loans / Shares	67.89%	59.02%	78.56%	80.14%	77.13%	62.69%	63.66%	49.84%	-3,030 bps
Liquid Assets / Assets	29.70%	32.33%	15.62%	11.24%	23.88%	2.29%	35.77%	9.38%	-187 bps