CU NW

Seattle, WA · Charter 89234

Q2 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: Q2 1997, the quarter ended June 30, 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.

Seattle, WA · Charter 89234

Q2 1997

$14.7MAssets

$12.7MLoans

$13.0MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.39%-22 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	Q4 1996	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	4.67%	4.75%	4.61%	4.69%	4.66%	4.79%	4.39%	-22 bps
Return on Equity	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
Efficiency Ratio	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	n/a	17.41%	26.85%	7.16%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	30.67%	28.27%	17.99%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	14.57%	24.81%	5.54%	n/a
Asset Quality
Delinquent Loans / Loans	0.14%	0.24%	0.24%	0.20%	0.26%	0.36%	0.37%	+12 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.60%	0.58%	0.65%	0.55%	0.55%	0.38%	0.28%	-37 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	80.50%	84.67%	86.99%	90.07%	91.81%	87.01%	97.24%	+1,026 bps
Liquid Assets / Assets	19.57%	15.09%	15.10%	13.47%	10.68%	13.82%	8.46%	-664 bps