C & E D

Trenton, NJ · Charter 60351

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.

Trenton, NJ · Charter 60351

Q2 1996

$11.5MAssets

$6.5MLoans

$10.7MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

3.41%-35 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	3.76%	3.75%	3.70%	3.70%	3.41%	-35 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	5.98%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	23.91%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	5.41%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.51%	0.27%	0.35%	0.21%	0.45%	-5 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.73%	1.30%	1.47%	1.05%	0.87%	-86 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	52.03%	60.13%	58.62%	61.10%	61.17%	+913 bps
Liquid Assets / Assets	17.53%	17.13%	21.43%	19.38%	29.86%	+1,233 bps