-Financial Highlights -

PEARLS RATIOS

DESIRED

UWICU

1999

UWICU

2000

UWICU

2001

UWICU

2002

PROTECTION: Capital/Total Assets

7-10%

11.19%

12.05%

12.04%

12.45%

EARNINGS:  Net Income/Average assets

Operating Expense/Gross Income

5-15%

20-40%

7.38%

35.96%

6.19%

47.83%

7.13%

39.88%

7.46%

35.35%

ASSET QUALITY: Delinquent Loans/Total loans

2-4%

2.57%

1.37%

2.29%

1.33%

RATE OF GROWTH: Savings Growth Rate

Loans Growth Rate

10-20%

8-15%

8.88%

8.32%

5.42%

6.07%

19.66%

23.59%

48.47%

16.55%

LIQUIDITY: Loans/Total Assets

75-80%

76.62%

76.86%

79.46%

77.72%

STRUCTURE: Non-earning Assets/Total Assets

<4-6%

5.49%

5.50%

4.27%

3.27%

YEAR

SHARES

($000’s)

LOANS

($000’s)

ASSETS

($000’s)

SURPLUS

($000’s)

MEMBERSHIP

1999

    22,838

      21,841

      28,771

      2,022

1,865

2000

2002

29,795

33,444

43,031

2,957

2003

2004

2005