Holy Family Parish

Rochester, NY · Charter 24779

Q3 2006

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 2006, the quarter ended September 30, 2006, 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.

Rochester, NY · Charter 24779

Q3 2006

$263KAssets

$160KLoans

$238KShares

$25KNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

-10.99%

Net Interest Margin (YTD, annualized)

5.18%

Efficiency Ratio (YTD, annualized)

114.59%

Net Worth / Assets

9.38%

Year to date, annualized, through each quarter.

Metric	Q3 2006	YoY Δ	Trend
Earnings
Return on Assets	-10.99%	n/a	n/a
Return on Equity	-117.18%	n/a	n/a
Net Interest Margin	5.18%	n/a	n/a
Efficiency Ratio	114.59%	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	0.41%	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a
Allowance / Loans	2.19%	n/a	n/a
Capital
Risk-Based Capital	9.38%	n/a	n/a
Net Worth / Assets	9.38%	n/a	n/a
Liquidity & Funding
Loans / Shares	67.26%	n/a	n/a
Liquid Assets / Assets	0.00%	n/a	n/a