Aliquippa Regional Credit Union

Aliquippa, PA · Charter 68202

Q4 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: Q4 1998, the quarter ended December 31, 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.

Aliquippa, PA · Charter 68202

Q4 1998

$588KAssets

$268KLoans

$538KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-9.40%-480 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 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	-4.60%	-10.94%	1.16%	-3.53%	-9.40%	-480 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)	n/a	n/a	n/a	n/a	2188%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	2362%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	n/a	3.46%	0.54%	2.22%	15.29%	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	0.00%	0.92%	3.59%	26.94%	n/a
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	0.00%	28.81%	62.23%	67.32%	49.85%	+4,985 bps
Liquid Assets / Assets	0.02%	42.77%	13.64%	21.63%	46.30%	+4,628 bps