United Health Services Credit Union

Spokane, WA · Charter 89196

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.

Spokane, WA · Charter 89196

Q2 1996

$30.7MAssets

$23.8MLoans

$27.7MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.54%+37 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 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	YoY Δ	Trend
Earnings
Return on Assets	4.17%	4.54%	4.51%	4.81%	4.54%	+37 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	6.24%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	27.19%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	3.40%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.13%	0.25%	0.20%	0.46%	0.63%	+49 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.81%	0.77%	0.74%	0.66%	0.56%	-25 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	69.73%	78.96%	83.50%	91.07%	85.78%	+1,605 bps
Liquid Assets / Assets	19.26%	10.45%	10.03%	7.40%	11.64%	-762 bps