Galena Park Schools

Galena Park, TX · Charter 6738

Q2 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: Q2 1998, the quarter ended June 30, 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.

Galena Park, TX · Charter 6738

Q2 1998

$30.2MAssets

$21.0MLoans

$26.9MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

3.93%-42 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 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	4.36%	4.43%	4.35%	4.26%	3.93%	-42 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)	-2.30%	4.15%	9.34%	10.98%	14.80%	+1,710 bps
Loan Growth (YoY)	50.12%	56.11%	46.43%	24.70%	13.08%	-3,704 bps
Share Growth (YoY)	-3.86%	2.53%	7.23%	8.93%	14.40%	+1,825 bps
Asset Quality
Delinquent Loans / Loans	1.02%	1.47%	2.43%	0.88%	1.41%	+39 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.96%	0.99%	0.94%	0.79%	0.72%	-24 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	78.95%	83.69%	83.83%	82.16%	78.04%	-91 bps
Liquid Assets / Assets	21.74%	19.87%	19.82%	20.47%	23.98%	+224 bps