M H M H C Employees Credit Union

Martinsville, VA · Charter 66915

Q4 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: Q4 1995, the quarter ended December 31, 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.

Martinsville, VA · Charter 66915

Q4 1995

$738KAssets

$431KLoans

$608KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

5.59%

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	YoY Δ	Trend
Earnings
Return on Assets	3.49%	5.02%	6.56%	5.59%	n/a
Return on Equity	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
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a
Asset Quality
Delinquent Loans / Loans	4.44%	4.60%	4.69%	9.27%	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.91%	1.42%	2.73%	5.12%	n/a
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	79.14%	86.59%	85.04%	70.88%	n/a
Liquid Assets / Assets	25.32%	22.79%	26.01%	37.91%	n/a