Credit Union of the Pacific

Seattle, WA · Charter 8275

Q2 1996

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 1996, the quarter ended June 30, 1996, 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.

Seattle, WA · Charter 8275

Q2 1996

$91.1MAssets

$80.1MLoans

$78.9MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.66%+38 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	Q3 1994	Q4 1994	Q1 1995	Q2 1995	Q3 1995	Q4 1995	Q1 1996	Q2 1996	YoY Δ	Trend
Earnings
Return on Assets	4.04%	4.15%	4.13%	4.28%	4.34%	4.36%	4.73%	4.66%	+38 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	3.29%	1.38%	-0.75%	2.08%	0.33%	1.30%	-8 bps
Loan Growth (YoY)	n/a	n/a	15.90%	5.30%	4.63%	5.93%	1.92%	3.89%	-142 bps
Share Growth (YoY)	n/a	n/a	0.55%	1.00%	-0.12%	1.00%	3.59%	1.31%	+32 bps
Asset Quality
Delinquent Loans / Loans	0.33%	0.46%	0.60%	0.55%	0.79%	0.90%	1.09%	1.44%	+90 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	0.31%	0.32%	0.30%	0.28%	0.27%	0.30%	0.32%	0.27%	0 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	96.26%	97.86%	98.84%	99.00%	100.83%	102.64%	97.25%	101.52%	+252 bps
Liquid Assets / Assets	3.77%	5.36%	2.81%	2.82%	2.72%	2.80%	2.99%	3.39%	+57 bps