L. P. L.

Superior, WI · Charter 66416

Q2 1996

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 1996, the quarter ended June 30, 1996, 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.

Superior, WI · Charter 66416

Q2 1996

$3.9MAssets

$2.2MLoans

$3.6MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

5.18%+76 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 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	YoY Δ	Trend
Earnings
Return on Assets	4.42%	4.22%	5.34%	5.24%	5.18%	+76 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	n/a	n/a	-5.56%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	22.40%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-7.09%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.03%	0.03%	0.00%	0.17%	0.55%	+52 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.28%	0.26%	0.23%	0.23%	0.23%	-5 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	46.25%	47.17%	59.62%	59.37%	60.92%	+1,467 bps
Liquid Assets / Assets	38.45%	38.95%	33.45%	38.46%	29.13%	-932 bps