Corhart Employees Credit Union

Buckhannon, WV · Charter 68116

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.

Buckhannon, WV · Charter 68116

Q2 1999

$308KAssets

$174KLoans

$251KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.86%-27 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 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	5.13%	5.34%	4.24%	6.01%	4.86%	-27 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)	27.46%	15.80%	-2.12%	-4.54%	-7.60%	-3,505 bps
Loan Growth (YoY)	23.04%	25.24%	18.50%	-6.64%	6.12%	-1,692 bps
Share Growth (YoY)	21.43%	9.87%	-8.93%	-10.86%	-13.73%	-3,517 bps
Asset Quality
Delinquent Loans / Loans	2.38%	5.64%	4.79%	1.95%	4.02%	+164 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.29%	0.43%	0.47%	0.73%	0.85%	+56 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	56.47%	62.13%	73.77%	68.39%	69.46%	+1,300 bps
Liquid Assets / Assets	42.67%	31.81%	30.27%	37.34%	36.58%	-609 bps