Arrowood Association

Charlotte, NC · Charter 24750

Q3 2005

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: Q3 2005, the quarter ended September 30, 2005, 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.

Charlotte, NC · Charter 24750

Q3 2005

$4.4MAssets

$3.8MLoans

$3.9MShares

$451KNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

0.64%

Net Interest Margin (YTD, annualized)

5.46%

Efficiency Ratio (YTD, annualized)

85.74%

Net Worth / Assets

10.28%

Year to date, annualized, through each quarter.

Metric	Q3 2005	YoY Δ	Trend
Earnings
Return on Assets	0.64%	n/a	n/a
Return on Equity	6.26%	n/a	n/a
Net Interest Margin	5.46%	n/a	n/a
Efficiency Ratio	85.74%	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a
Asset Quality
Delinquent Loans / Loans	1.32%	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a
Allowance / Loans	0.29%	n/a	n/a
Capital
Risk-Based Capital	10.28%	n/a	n/a
Net Worth / Assets	10.28%	n/a	n/a
Liquidity & Funding
Loans / Shares	97.42%	n/a	n/a
Liquid Assets / Assets	6.75%	n/a	n/a