Cowlitz Public Employees CU

Longview, WA · Charter 89243

Q4 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: Q4 1996, the quarter ended December 31, 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.

Longview, WA · Charter 89243

Q4 1996

$21.4MAssets

$9.2MLoans

$20.0MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

3.19%+24 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 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	YoY Δ	Trend
Earnings
Return on Assets	2.94%	3.72%	3.51%	2.62%	3.19%	+24 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	-9.79%	-9.44%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	7.33%	16.98%	n/a
Share Growth (YoY)	n/a	n/a	n/a	-10.54%	-10.38%	n/a
Asset Quality
Delinquent Loans / Loans	0.71%	0.24%	0.93%	0.69%	7.97%	+726 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.00%	0.00%	0.00%	1.20%	1.05%	+105 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	35.29%	40.14%	39.49%	41.03%	46.06%	+1,077 bps
Liquid Assets / Assets	58.02%	53.61%	53.86%	48.75%	45.99%	-1,204 bps