Lehi Works Employees Credit Union

Lehi, UT · Charter 67051

Q2 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: Q2 1997, the quarter ended June 30, 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.

Lehi, UT · Charter 67051

Q2 1997

$841KAssets

$732KLoans

$709KShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.03%-127 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	Q3 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	4.28%	4.54%	5.37%	5.30%	6.55%	2.42%	3.88%	4.03%	-127 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	n/a	n/a	-13.24%	8.72%	15.18%	6.33%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	5.60%	11.17%	6.30%	-6.53%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-17.67%	7.81%	31.47%	16.47%	n/a
Asset Quality
Delinquent Loans / Loans	6.36%	1.64%	4.75%	1.22%	1.37%	0.24%	2.84%	2.05%	+84 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	5.74%	5.40%	4.79%	4.96%	5.42%	4.95%	4.60%	3.28%	-168 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	89.29%	106.50%	134.62%	128.62%	114.52%	109.82%	108.84%	103.22%	-2,541 bps
Liquid Assets / Assets	18.32%	7.96%	1.69%	2.83%	3.55%	3.95%	3.00%	5.04%	+221 bps