U.E. Local 1010

Chino, CA · Charter 64579

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.

Chino, CA · Charter 64579

Q2 1995

$82KAssets

$38KLoans

$52KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

9.57%

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	-5.42%	-4.67%	9.57%	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	5.42%	3.91%	5.46%	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	8.13%	6.55%	10.04%	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	90.95%	93.89%	73.30%	n/a
Liquid Assets / Assets	30.58%	32.92%	40.56%	n/a