Neighborhood Credit Union of Odessa

Odessa, TX · Charter 68177

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.

Odessa, TX · Charter 68177

Q2 1999

$520KAssets

$381KLoans

$490KShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.07%-161 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	0.93%	3.55%	2.53%	3.68%	2.18%	-0.31%	0.53%	2.07%	-161 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	104.02%	73.51%	79.97%	30.23%	-13.04%	-11,706 bps
Loan Growth (YoY)	n/a	n/a	n/a	863%	289%	211%	168.22%	91.08%	-77,161 bps
Share Growth (YoY)	n/a	n/a	n/a	96.75%	71.58%	78.05%	28.20%	-12.72%	-10,947 bps
Asset Quality
Delinquent Loans / Loans	0.00%	1.43%	5.69%	4.48%	3.67%	1.62%	1.32%	0.40%	-409 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	2.08%	2.23%	3.95%	1.82%	2.15%	2.98%	4.11%	3.10%	+128 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	19.91%	28.75%	26.08%	35.56%	45.12%	50.23%	54.57%	77.85%	+4,229 bps
Liquid Assets / Assets	75.31%	69.23%	71.45%	58.28%	52.38%	43.04%	42.00%	21.32%	-3,696 bps