Carpenters of K.D.C. of Area #4

Harrisburg, PA · Charter 19242

Q4 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: Q4 1995, the quarter ended December 31, 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.

Harrisburg, PA · Charter 19242

Q4 1995

$1.6MAssets

$893KLoans

$1.3MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

2.23%

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	YoY Δ	Trend
Earnings
Return on Assets	1.82%	2.08%	2.61%	2.23%	n/a
Return on Equity	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
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a
Asset Quality
Delinquent Loans / Loans	5.13%	2.38%	1.67%	0.97%	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	3.48%	2.71%	2.92%	0.87%	n/a
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	55.51%	75.27%	71.90%	66.68%	n/a
Liquid Assets / Assets	46.36%	32.02%	35.02%	42.93%	n/a