Community Credit Union, Inc.

Ansonia, CT · Charter 66051

Q4 1998

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 1998, the quarter ended December 31, 1998, 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.

Ansonia, CT · Charter 66051

Q4 1998

$1.3MAssets

$910KLoans

$1.3MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.74%-109 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	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	3.98%	4.25%	4.49%	4.83%	3.78%	4.20%	3.70%	3.74%	-109 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	n/a	35.16%	18.76%	15.96%	9.85%	2.91%	19.04%	+29 bps
Loan Growth (YoY)	n/a	n/a	48.27%	41.32%	5.94%	-1.18%	-9.50%	-13.42%	-5,474 bps
Share Growth (YoY)	n/a	n/a	32.00%	15.44%	13.37%	7.80%	0.92%	17.89%	+245 bps
Asset Quality
Delinquent Loans / Loans	0.00%	0.00%	0.92%	0.49%	0.65%	1.20%	1.24%	2.74%	+225 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	3.21%	3.63%	3.54%	3.74%	3.92%	4.56%	4.44%	5.05%	+132 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	90.99%	94.55%	83.62%	98.66%	85.03%	86.68%	74.99%	72.46%	-2,621 bps
Liquid Assets / Assets	9.57%	1.81%	15.79%	5.50%	15.18%	15.16%	30.78%	22.97%	+1,747 bps