I U O E Local 542 Dist 1

Norristown, PA · Charter 15418

Q2 1995

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 1995, the quarter ended June 30, 1995, 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.

Norristown, PA · Charter 15418

Q2 1995

$400KAssets

$237KLoans

$353KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

3.57%

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	YoY Δ	Trend
Earnings
Return on Assets	3.42%	-2.54%	3.57%	n/a
Return on Equity	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	n/a
Asset Quality
Delinquent Loans / Loans	20.28%	19.02%	16.20%	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	8.14%	18.62%	17.76%	n/a
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Shares	65.18%	57.62%	67.07%	n/a
Liquid Assets / Assets	40.18%	50.55%	48.95%	n/a