School District 50

Denver, CO · Charter 8061

Q4 1997

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 1997, the quarter ended December 31, 1997, 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.

Denver, CO · Charter 8061

Q4 1997

$33.0MAssets

$25.6MLoans

$29.1MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.44%+58 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	YoY Δ	Trend
Earnings
Return on Assets	3.86%	4.13%	4.64%	4.45%	4.44%	+58 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	14.14%	9.89%	27.50%	37.47%	n/a
Loan Growth (YoY)	n/a	-8.73%	1.29%	32.63%	53.15%	n/a
Share Growth (YoY)	n/a	13.69%	8.83%	31.32%	39.86%	n/a
Asset Quality
Delinquent Loans / Loans	0.84%	0.60%	1.07%	0.90%	0.50%	-34 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.29%	1.08%	0.91%	0.79%	0.71%	-58 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	80.41%	68.81%	76.43%	85.55%	88.05%	+764 bps
Liquid Assets / Assets	13.25%	26.55%	12.33%	10.23%	10.59%	-266 bps