Abcon

Valley Forge, PA · Charter 20059

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.

Valley Forge, PA · Charter 20059

Q2 1996

$5.1MAssets

$3.7MLoans

$4.9MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

3.46%+55 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	2.90%	2.87%	3.05%	3.18%	3.46%	+55 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	8.52%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	26.13%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	8.01%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.28%	0.44%	1.21%	0.88%	0.59%	+31 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.38%	1.22%	0.96%	0.61%	0.77%	-61 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	64.76%	74.32%	85.63%	83.59%	75.63%	+1,087 bps
Liquid Assets / Assets	21.14%	21.31%	12.95%	17.58%	24.28%	+314 bps