Daniel Employees Credit Union

Houston, TX · Charter 67463

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.

Houston, TX · Charter 67463

Q2 1997

$2.2MAssets

$1.2MLoans

$1.9MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.44%-61 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 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	3.43%	3.16%	3.04%	3.24%	2.69%	2.99%	2.44%	-61 bps
Return on Equity	n/a	n/a	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	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	-23.14%	-23.05%	-15.52%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-16.56%	-21.80%	-7.92%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-24.73%	-24.46%	-17.77%	n/a
Asset Quality
Delinquent Loans / Loans	0.10%	3.99%	1.80%	2.63%	0.41%	0.04%	0.09%	-171 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.12%	1.08%	1.39%	1.52%	0.85%	0.43%	0.47%	-91 bps
Capital
Risk-Based Capital	n/a	n/a	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	n/a	n/a
Liquidity & Funding
Loans / Shares	49.01%	56.07%	58.94%	59.64%	54.33%	58.05%	66.00%	+706 bps
Liquid Assets / Assets	43.32%	42.42%	41.86%	30.61%	13.35%	43.70%	10.44%	-3,141 bps