Naval Hospital Credit Union Inc.

Portsmouth, VA · Charter 66938

Q2 1997

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 1997, the quarter ended June 30, 1997, 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.

Portsmouth, VA · Charter 66938

Q2 1997

$4.4MAssets

$3.1MLoans

$3.6MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

2.91%-81 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	3.72%	3.52%	2.90%	3.08%	2.91%	-81 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	0.53%	-2.47%	-5.01%	n/a
Loan Growth (YoY)	n/a	n/a	42.22%	25.20%	6.07%	n/a
Share Growth (YoY)	n/a	n/a	-1.40%	-5.54%	-7.39%	n/a
Asset Quality
Delinquent Loans / Loans	0.09%	0.15%	0.35%	0.00%	0.07%	-2 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.38%	0.53%	0.52%	0.46%	0.60%	+22 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	74.57%	78.07%	82.79%	86.48%	85.41%	+1,084 bps
Liquid Assets / Assets	24.91%	24.60%	24.04%	22.16%	22.76%	-215 bps