Fed. Emp. Credit Union Petersburg

Petersburg, VA · Charter 66948

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.

Petersburg, VA · Charter 66948

Q2 1999

$1.3MAssets

$1.1MLoans

$1.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

-0.02%-463 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	3.16%	4.40%	4.93%	4.62%	4.77%	0.07%	0.62%	-0.02%	-463 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	-24.66%	-22.22%	-15.76%	-14.68%	-21.82%	-21.57%	-22.73%	-697 bps
Loan Growth (YoY)	n/a	-35.37%	-40.19%	-22.99%	4.14%	21.77%	20.88%	-1.69%	+2,130 bps
Share Growth (YoY)	n/a	-28.44%	-27.05%	-21.34%	-20.68%	-26.79%	-24.48%	-24.88%	-354 bps
Asset Quality
Delinquent Loans / Loans	2.77%	1.98%	1.79%	1.03%	3.46%	6.81%	6.73%	9.37%	+834 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	2.96%	3.26%	3.30%	2.76%	2.45%	3.66%	3.09%	5.97%	+321 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	74.68%	64.68%	65.74%	77.51%	98.04%	107.60%	105.22%	101.44%	+2,393 bps
Liquid Assets / Assets	35.24%	39.61%	45.57%	35.21%	19.20%	8.77%	15.12%	17.94%	-1,726 bps