Energy Family

Milwaukee, WI · Charter 66669

Q4 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: Q4 1997, the quarter ended December 31, 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.

Milwaukee, WI · Charter 66669

Q4 1997

$7.6MAssets

$6.0MLoans

$7.0MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.47%+34 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	YoY Δ	Trend
Earnings
Return on Assets	4.13%	3.77%	5.24%	4.11%	4.47%	+34 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	-12.35%	-8.89%	-19.48%	-19.44%	n/a
Loan Growth (YoY)	n/a	-0.66%	-22.85%	-28.67%	-9.70%	n/a
Share Growth (YoY)	n/a	0.29%	-5.30%	-20.63%	-20.84%	n/a
Asset Quality
Delinquent Loans / Loans	1.50%	3.57%	2.14%	2.02%	1.69%	+20 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.46%	0.82%	0.86%	1.15%	0.86%	+40 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	75.72%	74.72%	66.09%	68.49%	86.38%	+1,065 bps
Liquid Assets / Assets	14.81%	17.22%	16.15%	9.08%	9.06%	-575 bps