Lenders Credit Union

Moorestown, NJ · Charter 68183

Q2 2000

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 2000, the quarter ended June 30, 2000, 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.

Moorestown, NJ · Charter 68183

Q2 2000

$549KAssets

$77KLoans

$538KShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.01%-128 bps YoY

Net Interest Margin (YTD, annualized)

3.45%

Efficiency Ratio (YTD, annualized)

99.28%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	2.09%	3.68%	2.88%	1.29%	1.18%	2.11%	0.03%	0.01%	-128 bps
Return on Equity	n/a	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	2.74%	3.45%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	99.10%	99.28%	n/a
Growth
Asset Growth (YoY)	n/a	n/a	8.67%	-5.98%	19.80%	-31.64%	-9.64%	-8.46%	-248 bps
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	2493%	2762%	n/a
Share Growth (YoY)	n/a	n/a	6.10%	-7.95%	19.32%	-32.63%	-10.18%	-7.57%	+37 bps
Asset Quality
Delinquent Loans / Loans	n/a	n/a	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	3.22%	8.35%	11.00%	7.94%	0.70%	0.62%	-773 bps
Capital
Risk-Based Capital	n/a	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	n/a
Liquidity & Funding
Loans / Shares	0.00%	0.00%	0.38%	0.46%	0.53%	1.33%	10.89%	14.34%	+1,388 bps
Liquid Assets / Assets	94.70%	78.40%	95.18%	95.20%	76.24%	81.42%	81.39%	44.66%	-5,054 bps