Staunton Emp Credit Union Inc.

Staunton, VA · Charter 66989

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.

Staunton, VA · Charter 66989

Q2 1995

$1.6MAssets

$1.5MLoans

$1.7MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

-14.86%

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	6.34%	6.43%	-14.86%	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	2.56%	3.87%	27.77%	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.91%	1.06%	12.45%	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	84.20%	89.99%	87.08%	n/a
Liquid Assets / Assets	17.10%	7.46%	22.85%	n/a