Brecksville School Employees

Broadview Heigh, OH · Charter 96670

Q3 2006

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: Q3 2006, the quarter ended September 30, 2006, 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.

Broadview Heigh, OH · Charter 96670

Q3 2006

$3.4MAssets

$1.9MLoans

$2.8MShares

$640KNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

0.55%

Net Interest Margin (YTD, annualized)

4.45%

Efficiency Ratio (YTD, annualized)

76.46%

Net Worth / Assets

18.71%

Year to date, annualized, through each quarter.

Metric	Q2 2006	Q3 2006	YoY Δ	Trend
Earnings
Return on Assets	0.47%	0.55%	n/a
Return on Equity	2.85%	2.92%	n/a
Net Interest Margin	3.74%	4.45%	n/a
Efficiency Ratio	79.22%	76.46%	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a
Asset Quality
Delinquent Loans / Loans	2.56%	1.90%	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a
Allowance / Loans	1.14%	0.93%	n/a
Capital
Risk-Based Capital	16.45%	18.71%	n/a
Net Worth / Assets	16.45%	18.71%	n/a
Liquidity & Funding
Loans / Shares	54.82%	68.61%	n/a
Liquid Assets / Assets	0.00%	0.00%	n/a