Orange Federal Employees CU

Orange, TX · Charter 67455

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.

Orange, TX · Charter 67455

Q2 1999

$515KAssets

$0KLoans

$437KShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.98%+79 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	3.30%	3.18%	3.40%	2.19%	-0.43%	2.89%	3.37%	2.98%	+79 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	-3.08%	-7.40%	-2.80%	-6.52%	-6.64%	-0.59%	-9.84%	-704 bps
Loan Growth (YoY)	n/a	-9.27%	1.16%	10.46%	2.17%	5.71%	15.84%	-100.00%	-11,046 bps
Share Growth (YoY)	n/a	-5.94%	-7.23%	-3.48%	-8.21%	-7.99%	-4.55%	-12.01%	-853 bps
Asset Quality
Delinquent Loans / Loans	0.00%	4.69%	4.25%	3.90%	2.90%	2.66%	0.00%	n/a	n/a
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	0.62%	0.72%	0.89%	1.04%	1.06%	1.05%	1.03%	n/a	n/a
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	54.28%	58.54%	53.97%	52.17%	60.41%	67.26%	65.50%	0.00%	-5,217 bps
Liquid Assets / Assets	48.85%	25.05%	50.64%	48.33%	43.26%	40.35%	42.16%	0.59%	-4,775 bps