M. M. C. Employees

Kansas City, MO · Charter 61319

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.

Kansas City, MO · Charter 61319

Q2 1996

$684KAssets

$646KLoans

$534KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

2.25%+39 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	1.85%	2.48%	2.15%	2.51%	2.25%	+39 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	-21.06%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	23.48%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-32.50%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	3.16%	2.96%	0.89%	3.09%	0.60%	-256 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.32%	2.23%	1.56%	1.54%	1.44%	-88 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	66.12%	66.04%	79.90%	113.15%	120.95%	+5,483 bps
Liquid Assets / Assets	36.32%	32.37%	27.26%	2.79%	3.77%	-3,255 bps