Eielson

Eielson AFB, AK · Charter 11046

Q2 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: Q2 1996, the quarter ended June 30, 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.

Eielson AFB, AK · Charter 11046

Q2 1996

$13.9MAssets

$6.6MLoans

$12.1MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

3.62%+30 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	YoY Δ	Trend
Earnings
Return on Assets	3.32%	3.31%	3.13%	3.28%	3.62%	+30 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	n/a	-2.72%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-7.70%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-2.78%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	1.38%	0.76%	0.39%	1.23%	1.42%	+4 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.80%	1.38%	1.28%	1.69%	1.22%	-58 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	56.90%	45.54%	55.58%	50.01%	54.01%	-288 bps
Liquid Assets / Assets	21.46%	32.86%	16.24%	28.75%	28.47%	+702 bps