Electrical Workers

Fresno, CA · Charter 64338

Q2 1995

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 1995, the quarter ended June 30, 1995, 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.

Fresno, CA · Charter 64338

Q2 1995

$2.5MAssets

$2.0MLoans

$2.3MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

2.38%

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	YoY Δ	Trend
Earnings
Return on Assets	2.34%	2.98%	2.38%	n/a
Return on Equity	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	n/a
Asset Quality
Delinquent Loans / Loans	2.02%	0.77%	0.52%	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.03%	1.00%	0.66%	n/a
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Shares	62.72%	78.35%	86.02%	n/a
Liquid Assets / Assets	36.02%	17.06%	8.30%	n/a