<p>SCU FCU Total # of CUs 970 852 1,822 Real estate loans-to-total loans 44.61% 42.65% 43.60% 1st Mortgage loans-to-real estate loans 70.22% 66.20% 68.20% Fixed rate real estate-to-real estate loans 60.39% 66.80% 63.62% # of real estate loans granted to total 7.29% 6.91% 7.11% $ real estate granted to total granted 37.83% 35.98% 36.88% $ real estate loans sold to $ real estate 23.37% 28.03% 25.70% Delinquent RE loans to total RE loans 0.28% 0.23% 0.25% Delinquent RE loans to total Delinquent loans 18.70% 16.63% 17.71% Net RE charge-offs to total charge-offs 1.85% 2.44% 2.15% Real estate allowance to total allowance 11.52% 9.15% 10.32% Avg. size of loans granted $9,469 $10,598 $10,016 Avg. RE loan granted $49,127 $55,145 $51,965 Avg. non-RE loans granted $6,350 $7,288 $6,806 Source: NASCUS, NCUA as of Sept. 30, 2001</p>

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