Richardson Postal Credit Union

Richardson, TX · Charter 67584

Q2 1996

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 1996, the quarter ended June 30, 1996, 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.

Richardson, TX · Charter 67584

Q2 1996

$1.4MAssets

$1.2MLoans

$1.1MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.73%+145 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	YoY Δ	Trend
Earnings
Return on Assets	3.28%	3.80%	5.07%	4.94%	4.73%	+145 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	n/a	n/a	-19.86%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	21.84%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-27.63%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	1.14%	1.56%	0.00%	1.45%	0.42%	-72 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.80%	2.47%	1.38%	1.60%	1.60%	-20 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	65.89%	83.85%	101.81%	112.38%	110.93%	+4,504 bps
Liquid Assets / Assets	39.51%	25.91%	14.96%	6.62%	10.35%	-2,916 bps