Investment Mortgage Reduction Mortage

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bsp;            Sterling Heights, MI 48310

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                                                       Predictive Indicator - (decline)                 Predictive Indicator - neutral
                                                       As of December 31, 2010                        As of December 31, 2010
                                                       Credit Union ID 22280                            Credit Union ID  63342

INSTITUTIONAL HIGHLIGHTS
Institution Name                                           PAC                                          STERLING-VAN DYKE                     
Report Date                                                                  December 31, 2010
Report Period                                                                         1 year
Star Composite Rating, Percentile Rank          2 /2.41                                          4/92.37
Predictive Indicator                                        - (decline)                                        neutral
Earnings Rating, Percentile Rank                          1 /19.20                                        5/99.72
Asset Quality Rating, Percentile Rank                  1 /2.28                                          3/42.57
Capital Rating, Percentile Rank                          1 /17.36                                        4/87.49
Liquidity Rating, Percentile Rank                          3 /45.15                                        4/68.06
Institution Asset Size                                         96.5330 million                              99,0353 million
Deposits                                                         88.8205 million                              87,9401 million
Loans                                                         60.8339 million                              25,6205 million
Equity                                                           7.2922 million                              10,3135 million
Net Profit/Loss                                               -206.27 thousand                               1.1596 million

COMPONENT HIGHLIGHTS

Capital highlights

Capitalization stands as protection against loss for credit union members, creditors and, if applicable, the insurer. Regulators place a high degree of importance upon assessments of capitalization.
                                                           Component star rating: 1 *                                  Component star rating: 4 ****

Key measures of Capital Adequacy       Ratio (%)    Assessment                                   Ratio (%)    Assessment
Net Capital / Assets                                   7.55    Below Peer Norm                                    10.41         Above Peer Norm
Capital (1) / Assets                                   7.61    Below Peer Norm                                    10.61         Approximates Peer Norm
(1) Includes loan loss allowance.

Asset quality highlights

Asset quality is a major determinant of the viability of any banking institution. Poor asset quality will have a very direct impact upon other components and regulators invest substantial amounts of time and resources in gauging the quality of loans and investments.

                                                                                   Component star rating: 1 *               Component star rating: 3 ***
Key Asset Quality information and ratios:                Ratio (%)    Assessment                              Ratio (%)    Assessment
Nonperforming Asset Ratio (2)                            30.13    Substantially Higher Than Standard    2.91 Relatively Low
Loss Reserve Coverage    (3)                                3.53    Well Below Normal                           6424 Well Below Normal
Asset Growth Rate                                                 2.17    Normal                                                   6.47        Normal
(2) Nonperforming Assets/Equity plus Loss Reserves
(3) Loan Loss reserves/Delinquent Loans

Earnings highlights
                                                                       Component star rating: 1 *                    Component star rating: 5 *****
A credit union's profitability is critical to building capital and establishing adequate loss reserves.

Key Earnings information and ratios:                           Ratio (%)     Assessment                     Ratio (%)     Assessment
Return on Average Assets                                   -0.22    Substantially Below Average        1.17 Substantially Better Than Normal
Overhead / Average Assets                              2.88      Below Standard                          2.40 Well Below Standard
Note: The earnings assessment is based on the latest four quarters of income and expense.

Liquidity highlights

Liquidity provides funding for normal operations and represents a reserve for unanticipated disintermediation.
                                                                         Component star rating: 3 ***               Component star rating: 4 ****
Key measures of Liquidity:                                 Ratio (%)    Assessment                          Ratio (%)    Assessment
Balance Sheet Liquidity                                      3.83    Reasonably Good                  11.68    Resonably Good

Early warning highlights

Early warning indicators identify areas of potential concern, which may lead to financial deterioration and thus, require inquiry or in depth investigation.
For this institution we have noted:

                                                             Capital Adequacy                           No operating characteristic
                                                             Nonperforming Assets                     requiring specific follow-up

¬ródło;
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