2015-12-31 - Credit Union Index

Transcription

December 31, 2015 RUN DATE: March 15, 2016 Performance Analysis
December 31, 2015
Performance Analysis
As of Date
Total Assets
($000)
Region
Run Date: March 15, 2016
Quarter to Date
Net Income
(Loss) ($000)
Return on Avg
Assets (%)
Return on
Avg Net Worth (%)
Year to Date
Oper Exp/ Oper
Rev (%)
Salary&Benefits/
Employees ($000)
Net Income (Loss)
($000)
Return on Avg
Assets (%)
Return on
Avg Net Worth (%)
Oper Exp/ Oper
Rev (%)
Salary&Benefits/
Employees ($000)
0.37%
0.41%
0.30%
0.47%
0.48%
0.85%
0.22%
0.35%
0.28%
0.82%
0.14%
0.60%
(0.33%)
0.19%
1.08%
0.10%
0.19%
0.78%
(0.04%)
0.73%
0.20%
0.38%
0.42%
(0.24%)
0.32%
0.27%
0.50%
0.36%
0.15%
1.23%
0.29%
1.26%
0.25%
0.95%
0.23%
(0.15%)
0.37%
0.60%
0.68%
1.12%
0.32%
3.72%
3.34%
2.59%
2.59%
5.17%
6.20%
2.30%
4.45%
2.14%
7.32%
1.10%
7.44%
(3.39%)
2.18%
10.82%
1.31%
2.61%
4.52%
(0.45%)
8.13%
2.23%
6.86%
2.49%
(5.59%)
2.85%
3.14%
3.62%
2.17%
1.48%
12.92%
3.22%
14.00%
2.86%
10.78%
2.31%
(2.21%)
2.70%
7.41%
4.87%
10.99%
3.90%
89.43%
87.06%
83.61%
87.35%
81.26%
76.31%
92.16%
86.62%
79.38%
77.22%
96.91%
81.27%
104.38%
90.28%
75.17%
90.73%
90.74%
71.17%
97.99%
82.51%
90.33%
89.08%
90.80%
97.77%
90.75%
100.47%
56.38%
75.21%
94.60%
67.39%
92.37%
77.10%
90.32%
78.43%
89.51%
100.16%
86.34%
77.26%
79.92%
75.21%
89.62%
$56
$52
$95
$79
$89
$151
$85
$60
$103
$67
$84
$91
$60
$81
$67
$118
$68
$64
$104
$59
$77
$67
$97
$87
$54
$71
$81
$145
$57
$51
$67
$105
$54
$78
$83
$53
$90
$58
$78
$69
$61
Institution Name
Asset Group A - $50 to $250 million in total assets
Northern
Siskiyou Central Credit Union
California Community Credit Union
Menlo Survey Federal Credit Union
Lassen County Federal Credit Union
Marin County Federal Credit Union
Vision One Credit Union
United Health Credit Union
Bay Cities Credit Union
Chabot Federal Credit Union
Polam Federal Credit Union
Kaiperm Federal Credit Union
SRI Federal Credit Union
First California Federal Credit Union
Mission City Federal Credit Union
Community Credit Union of Southern Humboldt
SMW 104 Federal Credit Union
Tulare County Federal Credit Union
Kings Federal Credit Union
Shell Western States Federal Credit Union
Merco Credit Union
Reach Federal Credit Union
Santa Cruz Community Credit Union
United Local Credit Union
Cooperative Center Federal Credit Union
Members 1st Credit Union
Central Coast Federal Credit Union
California State & Federal Employees #20 Credit Union
San Joaquin Power Employees Credit Union
Premier Community Credit Union
Families & Schools Together Federal Credit Union
Solano First Federal Credit Union
CAHP Credit Union
Central State Credit Union
Community First Credit Union
Heritage Community Credit Union
Tucoemas Federal Credit Union
Pacific Postal Credit Union
Mendo Lake Credit Union
Monterey Credit Union
Yolo Federal Credit Union
MOCSE Federal Credit Union
Southern
County Schools Federal Credit Union
Huntington Beach City Employees Credit Union
CalCom Federal Credit Union
Glendale Federal Credit Union
Regional Average
$57,661
$58,813
$59,794
$63,289
$64,551
$65,747
$66,399
$68,168
$69,521
$70,108
$71,424
$79,136
$82,150
$82,204
$85,357
$86,361
$87,745
$91,454
$97,339
$97,418
$102,282
$107,203
$109,496
$113,247
$121,027
$124,168
$127,540
$131,826
$133,023
$134,448
$137,617
$157,706
$170,011
$187,906
$200,878
$214,066
$214,954
$216,155
$224,035
$242,018
$249,725
$62
$65
$38
$82
$91
($47)
$64
$118
$21
$86
$19
$238
($104)
($5)
$266
($99)
$78
$148
$12
$196
$13
$231
$106
$56
$76
$10
$194
$104
$82
$428
$101
$587
$177
$503
$92
($727)
$207
$461
$415
$656
$166
0.43%
0.44%
0.25%
0.51%
0.58%
(0.28%)
0.39%
0.70%
0.12%
0.49%
0.11%
1.21%
(0.51%)
(0.02%)
1.26%
(0.46%)
0.36%
0.65%
0.05%
0.81%
0.05%
0.87%
0.39%
0.20%
0.25%
0.03%
0.61%
0.32%
0.25%
1.27%
0.30%
1.56%
0.43%
1.07%
0.18%
(1.36%)
0.39%
0.88%
0.75%
1.10%
0.27%
4.25%
3.60%
2.20%
2.80%
6.31%
(2.09%)
4.05%
8.87%
0.91%
4.46%
0.84%
14.81%
(5.65%)
(0.28%)
12.92%
(5.93%)
5.00%
3.84%
0.60%
8.91%
0.59%
15.37%
2.29%
4.77%
2.30%
0.38%
4.42%
1.93%
2.49%
13.02%
3.40%
17.43%
5.06%
12.01%
1.85%
(20.71%)
2.81%
11.00%
5.35%
10.62%
3.20%
$120,097
$52,296
$52,856
$53,105
$62,216
$62,939
85.48%
85.94%
85.49%
90.19%
78.76%
80.31%
87.75%
83.33%
76.55%
84.72%
98.11%
69.36%
109.92%
94.28%
75.07%
92.58%
90.01%
71.88%
97.38%
81.97%
94.51%
85.69%
89.59%
95.00%
90.42%
99.11%
52.45%
73.64%
93.74%
65.61%
93.21%
71.61%
86.76%
79.60%
86.62%
121.15%
83.08%
73.84%
81.67%
75.03%
86.91%
$58
$51
$105
$87
$88
$155
$80
$62
$97
$77
$95
$101
$81
$92
$72
$117
$73
$71
$87
$60
$79
$75
$99
$81
$59
$73
$84
$130
$58
$50
$73
$109
$53
$81
$76
$57
$92
$60
$88
$67
$61
$214
$238
$177
$300
$291
$546
$144
$233
$196
$547
$99
$470
($268)
$152
$857
$87
$162
$691
($36)
$694
$195
$396
$456
($266)
$374
$329
$627
$465
$195
$1,617
$379
$1,797
$392
$1,720
$455
($324)
$785
$1,204
$1,491
$2,602
$802
$128
0.41%
$32
$87
$43
$177
$77
0.24%
0.66%
0.32%
1.13%
0.49%
4.15%
85.32%
$81
$524
0.43%
4.08%
85.62%
$78
3.30%
5.88%
3.21%
9.40%
3.23%
76.44%
77.14%
86.54%
73.78%
85.61%
$54
$78
$71
$65
$67
$153
$430
$108
$459
$226
0.29%
0.82%
0.21%
0.73%
0.37%
3.98%
7.46%
2.03%
6.23%
2.38%
74.88%
72.37%
90.21%
77.60%
84.19%
$52
$71
$68
$65
$65
Source: SNL Financial
NA = data was not available.
NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful.
Performance Page 2 of 27
December 31, 2015
Total Assets
($000)
Region
Quarter to Date
As of Date
Net Income
(Loss) ($000)
Return on Avg
Assets (%)
Return on
Avg Net Worth (%)
Year to Date
Oper Exp/ Oper
Rev (%)
Salary&Benefits/
Employees ($000)
Net Income (Loss)
($000)
Return on Avg
Assets (%)
Return on
Avg Net Worth (%)
Oper Exp/ Oper
Rev (%)
Salary&Benefits/
Employees ($000)
0.60%
(0.29%)
0.54%
0.27%
0.62%
1.25%
0.19%
1.78%
0.27%
0.13%
0.25%
0.06%
0.04%
(0.01%)
1.41%
1.13%
0.72%
(0.08%)
0.83%
0.20%
0.72%
0.53%
0.25%
0.72%
1.35%
0.62%
0.31%
0.38%
(0.08%)
0.86%
0.22%
0.06%
(2.57%)
0.26%
0.19%
0.11%
0.41%
0.73%
1.24%
(0.47%)
0.79%
1.55%
0.15%
0.59%
1.37%
0.45%
1.20%
0.51%
0.67%
0.22%
0.54%
0.33%
0.34%
7.73%
(1.53%)
4.45%
2.27%
8.79%
7.91%
2.27%
11.47%
3.49%
2.11%
3.39%
0.38%
0.35%
(0.04%)
14.29%
11.23%
5.63%
(1.02%)
10.46%
2.45%
7.21%
4.67%
2.83%
8.08%
10.17%
4.20%
4.31%
3.83%
(0.99%)
9.97%
1.97%
0.62%
(10.10%)
2.67%
2.32%
0.99%
4.68%
4.23%
6.89%
(3.77%)
8.97%
14.54%
1.93%
4.26%
11.26%
3.84%
9.52%
4.03%
8.59%
2.01%
4.09%
4.12%
3.09%
84.94%
104.88%
83.67%
86.27%
91.77%
54.76%
89.81%
69.11%
93.56%
91.27%
98.38%
93.44%
99.12%
99.89%
70.77%
76.99%
75.06%
98.54%
74.07%
92.82%
79.76%
89.22%
88.92%
80.97%
36.93%
83.82%
89.69%
81.67%
99.33%
78.14%
85.43%
95.74%
206.66%
91.38%
89.70%
98.12%
91.28%
84.31%
41.48%
122.66%
73.41%
68.29%
92.59%
81.35%
73.62%
81.50%
86.99%
76.04%
85.15%
84.82%
91.98%
96.71%
86.91%
$66
$65
$64
$68
$81
$136
$70
$88
$69
$69
$78
$81
$79
$78
$81
$60
$73
$80
$61
$96
$76
$62
$77
$73
$89
$66
$76
$74
$62
$52
$68
$58
$262
$90
$62
$70
$67
$83
$94
$76
$86
$84
$67
$77
$102
$63
$101
$92
$69
$74
$73
$75
$75
Institution Name
Santa Ana Federal Credit Union
Pacific Transportation Federal Credit Union
Prospectors Federal Credit Union
Nikkei Credit Union
Allied Healthcare Federal Credit Union
Bopti Federal Credit Union
North County Credit Union
VA Desert Pacific Federal Credit Union
Universal City Studios Credit Union
La Loma Federal Credit Union
Musicians' Interguild Credit Union
Thinkwise Federal Credit Union
PostCity Financial Credit Union
JACOM Credit Union
South Bay Credit Union
First Imperial Credit Union
Paradise Valley Federal Credit Union
Rancho Federal Credit Union
United Methodist Federal Credit Union
San Diego Firefighters Federal Credit Union
Ontario Montclair School Employees Federal Credit Union
Clearpath Federal Credit Union
East County Schools Federal Credit Union
Pasadena Service Federal Credit Union
California Lithuanian Credit Union
Harbor Federal Credit Union
California Bear Credit Union
Schools Federal Credit Union
Torrance Community Federal Credit Union
Chaffey Federal Credit Union
Chevron Valley Credit Union
Fiscal Credit Union
Sea Air Federal Credit Union
Camino Federal Credit Union
Alta Vista Credit Union
Pasadena Federal Credit Union
Priority One Credit Union
E-Central Credit Union
Long Beach Firemen's Credit Union
Miramar Federal Credit Union
UMe Federal Credit Union
Matadors Community Credit Union
Edwards Federal Credit Union
Pacific Community Credit Union
I.L.W.U. Credit Union
Downey Federal Credit Union
POPA Federal Credit Union
Parsons Federal Credit Union
Eagle Community Credit Union
Santa Barbara Teachers Federal Credit Union
Kern Federal Credit Union
SAG-AFTRA Federal Credit Union
Cabrillo Credit Union
Regional Average
State Average of Asset Group A
$62,979
$64,957
$64,994
$65,410
$66,013
$66,412
$66,629
$67,546
$68,381
$71,128
$72,475
$74,778
$76,283
$78,351
$84,834
$84,942
$86,235
$88,919
$90,100
$92,485
$95,625
$97,167
$97,526
$104,550
$109,797
$111,539
$111,583
$117,697
$118,238
$119,277
$126,190
$137,174
$139,396
$141,012
$143,156
$149,915
$157,495
$158,148
$171,629
$172,439
$175,377
$178,724
$179,456
$186,374
$186,397
$194,038
$196,510
$222,071
$222,407
$224,102
$224,571
$226,515
$241,567
$77
$107
$86
$60
$47
$157
$20
$297
$4
$81
($142)
$57
($36)
$24
$319
$320
$176
$87
$163
$48
$209
$133
$76
$110
$323
$169
$95
$149
($365)
$306
($63)
$31
($3,311)
$230
($31)
$41
$192
$57
$413
($110)
$408
$62
($35)
$393
$537
$273
($9)
$168
$345
$47
($114)
$60
$148
0.49%
0.65%
0.54%
0.36%
0.28%
0.94%
0.13%
1.78%
0.02%
0.46%
(0.78%)
0.30%
(0.19%)
0.12%
1.50%
1.52%
0.83%
0.39%
0.73%
0.21%
0.89%
0.56%
0.31%
0.43%
1.19%
0.61%
0.35%
0.52%
(1.23%)
1.05%
(0.20%)
0.09%
(9.36%)
0.65%
(0.09%)
0.11%
0.49%
0.14%
0.97%
(0.26%)
0.94%
0.14%
(0.08%)
0.84%
1.17%
0.56%
(0.02%)
0.31%
0.62%
0.08%
(0.20%)
0.11%
0.25%
6.08%
3.47%
4.45%
3.04%
3.92%
5.96%
1.51%
11.37%
0.30%
7.49%
(10.31%)
2.04%
(1.57%)
0.93%
14.29%
14.79%
6.56%
4.99%
9.01%
2.56%
8.77%
4.87%
3.55%
4.68%
9.05%
4.07%
4.86%
5.15%
(14.72%)
11.91%
(1.81%)
0.97%
(37.60%)
6.80%
(1.07%)
1.03%
5.66%
0.82%
5.33%
(2.08%)
10.41%
1.31%
(1.02%)
5.91%
9.66%
4.77%
(0.14%)
2.41%
7.71%
0.79%
(1.51%)
1.36%
2.31%
87.82%
86.07%
83.68%
83.94%
92.82%
64.09%
92.50%
70.19%
98.83%
86.14%
101.22%
92.77%
104.74%
95.10%
70.48%
74.13%
68.26%
92.39%
76.21%
92.54%
78.79%
90.29%
87.97%
82.28%
41.38%
81.53%
96.28%
79.05%
171.71%
77.80%
80.14%
93.41%
NM
84.75%
88.10%
110.77%
89.64%
93.49%
48.31%
111.04%
71.40%
96.87%
92.03%
76.69%
70.14%
78.09%
94.40%
83.93%
85.52%
91.55%
88.15%
96.68%
95.01%
$69
$68
$68
$74
$84
$162
$70
$90
$75
$65
$87
$82
$78
$88
$82
$59
$66
$75
$61
$101
$76
$63
$79
$75
$97
$65
$72
$71
$81
$53
$66
$55
$786
$84
$68
$71
$68
$86
$94
$75
$86
$97
$69
$76
$100
$64
$122
$102
$67
$79
$70
$78
$86
$380
($191)
$338
$178
$408
$810
$117
$1,153
$187
$91
$184
$42
$32
($4)
$1,200
$928
$607
($71)
$727
$181
$669
$501
$240
$742
$1,398
$688
$334
$435
($100)
$985
$273
$79
($3,707)
$356
$268
$156
$633
$1,159
$2,082
($808)
$1,359
$2,608
$263
$1,113
$2,412
$866
$2,346
$1,110
$1,484
$481
$1,213
$725
$781
$120,947
$57
0.26%
3.11%
86.33%
$90
$549
0.46%
4.54%
86.60%
$78
$120,522
$93
0.34%
3.63%
85.83%
$85
$536
0.45%
4.31%
86.11%
$78
December 31, 2015
Total Assets
($000)
Region
Quarter to Date
As of Date
Net Income
(Loss) ($000)
Return on Avg
Assets (%)
Return on
Avg Net Worth (%)
Year to Date
Oper Exp/ Oper
Rev (%)
Salary&Benefits/
Employees ($000)
Net Income (Loss)
($000)
Return on Avg
Assets (%)
Return on
Avg Net Worth (%)
Oper Exp/ Oper
Rev (%)
Salary&Benefits/
Employees ($000)
Institution Name
Asset Group B - $251 to $500 million in total assets
Northern
UNCLE Credit Union
First U.S. Community Credit Union
Sea West Coast Guard Federal Credit Union
SafeAmerica Credit Union
PremierOne Credit Union
Alliance Credit Union
Sacramento Credit Union
Financial Center Credit Union
Merced School Employees Federal Credit Union
Commonwealth Central Credit Union
Southern
San Diego Metropolitan Credit Union
Burbank City Federal Credit Union
Long Beach City Employees Federal Credit Union
America's Christian Credit Union
Glendale Area Schools Federal Credit Union
Foothill Federal Credit Union
Sun Community Federal Credit Union
LA Financial Federal Credit Union
Aerospace Federal Credit Union
Safe 1 Credit Union
USC Credit Union
CBC Federal Credit Union
First Financial Credit Union
SkyOne Federal Credit Union
Vons Employees Federal Credit Union
Point Loma Credit Union
Regional Average
Regional Average
State Average of Asset Group B
$327,178
$335,908
$344,509
$361,861
$367,758
$383,740
$403,789
$426,106
$435,383
$455,404
$453
$404
$716
$793
$407
$431
$899
($3,959)
$1,148
$748
0.56%
0.48%
0.84%
0.89%
0.45%
0.46%
0.90%
(3.76%)
1.07%
0.66%
5.77%
4.74%
4.32%
10.84%
4.57%
5.33%
6.68%
(17.55%)
10.98%
6.96%
85.77%
81.26%
71.70%
75.78%
88.64%
81.94%
72.48%
NA
71.25%
83.99%
$96
$66
$77
$99
$89
$78
$72
$69
$58
$101
$1,806
$1,697
$2,186
$2,524
$1,913
$2,831
$4,157
$550
$3,638
$2,697
0.58%
0.52%
0.65%
0.72%
0.54%
0.77%
1.05%
0.13%
0.85%
0.61%
5.75%
5.14%
3.34%
8.93%
5.49%
9.01%
7.95%
0.61%
8.91%
6.40%
87.49%
81.04%
72.57%
78.20%
85.73%
79.86%
72.05%
90.88%
76.50%
86.02%
$98
$66
$75
$95
$83
$75
$71
$62
$58
$95
0.26%
4.26%
79.20%
$81
$2,400
0.64%
6.15%
81.03%
$78
0.30%
0.54%
(0.33%)
0.54%
0.80%
0.77%
0.54%
0.36%
(0.32%)
0.94%
0.42%
0.63%
0.43%
(0.04%)
1.09%
0.58%
3.43%
6.39%
(3.45%)
5.60%
6.21%
6.19%
4.93%
4.56%
(3.30%)
5.93%
5.13%
6.72%
5.01%
(0.42%)
5.20%
7.39%
96.24%
84.48%
147.45%
85.81%
54.54%
74.33%
81.91%
83.51%
128.24%
68.34%
86.62%
83.38%
85.54%
86.99%
75.92%
84.53%
$68
$93
$266
$101
$78
$82
$59
$79
$123
$73
$61
$82
$91
$119
$97
$75
$1,894
$1,708
$1,418
$2,752
$2,743
$4,073
$2,314
($728)
$1,081
$4,163
$2,135
$2,528
$1,868
$699
$5,526
$2,307
0.74%
0.63%
0.47%
0.91%
0.80%
1.22%
0.70%
(0.20%)
0.30%
1.05%
0.51%
0.59%
0.43%
0.16%
1.23%
0.52%
8.48%
7.52%
5.03%
9.58%
6.34%
9.92%
6.32%
(2.47%)
2.98%
6.64%
6.26%
6.13%
4.97%
1.56%
5.92%
6.66%
86.26%
83.73%
80.13%
77.86%
54.81%
68.12%
79.16%
100.46%
83.59%
69.06%
82.20%
81.63%
87.58%
85.26%
74.17%
87.94%
$68
$93
$125
$90
$81
$77
$55
$80
$107
$71
$57
$80
$94
$94
$95
$75
$384,164
$204
$260,777
$279,502
$299,676
$313,307
$343,272
$345,279
$358,369
$363,023
$370,303
$404,325
$431,140
$440,790
$446,166
$449,981
$452,728
$453,668
$196
$373
($250)
$418
$687
$655
$468
$327
($297)
$954
$444
$702
$479
($48)
$1,234
$656
$375,769
$437
0.45%
4.10%
87.99%
$97
$2,280
0.63%
5.74%
80.12%
$84
$379,966
$321
0.35%
4.18%
83.60%
$89
$2,340
0.64%
5.95%
80.58%
$81
December 31, 2015
Total Assets
($000)
Region
Quarter to Date
As of Date
Net Income
(Loss) ($000)
Return on Avg
Assets (%)
Return on
Avg Net Worth (%)
Year to Date
Oper Exp/ Oper
Rev (%)
Salary&Benefits/
Employees ($000)
Net Income (Loss)
($000)
Return on Avg
Assets (%)
Return on
Avg Net Worth (%)
Oper Exp/ Oper
Rev (%)
Salary&Benefits/
Employees ($000)
93.98%
77.34%
82.41%
75.99%
79.96%
67.83%
80.59%
83.52%
75.13%
72.20%
89.45%
$68
$73
$105
$75
$91
$71
$96
$93
$98
$90
$116
$3,002
$5,645
$4,414
$3,252
$6,957
$6,149
$4,759
$4,597
$6,621
$10,931
$3,127
0.55%
0.95%
0.71%
0.50%
0.95%
0.81%
0.60%
0.54%
0.79%
1.21%
0.32%
5.41%
8.62%
8.14%
4.86%
11.36%
6.99%
4.24%
5.21%
8.25%
8.51%
3.11%
91.04%
75.30%
77.72%
78.10%
76.71%
71.08%
78.72%
81.37%
79.59%
70.73%
88.14%
$66
$69
$94
$75
$85
$73
$95
$93
$98
$86
$112
0.72%
6.79%
78.95%
$86
0.92%
0.72%
0.73%
0.47%
0.31%
0.39%
0.61%
0.46%
0.90%
0.75%
0.89%
0.64%
0.49%
0.27%
0.49%
0.36%
(1.53%)
1.08%
(0.06%)
2.06%
11.78%
8.39%
7.09%
4.04%
2.84%
4.02%
5.18%
4.81%
6.72%
7.71%
10.07%
4.49%
5.47%
2.16%
5.02%
2.97%
(20.69%)
12.23%
(0.70%)
16.23%
71.85%
78.01%
83.70%
81.27%
89.27%
79.83%
84.34%
89.56%
80.53%
84.48%
72.93%
84.87%
74.83%
91.12%
86.08%
84.59%
119.32%
71.98%
95.01%
67.61%
$79
$86
$77
$68
$108
$67
$91
$89
$101
$91
$68
$66
$65
$120
$85
$90
$124
$73
$85
$68
Institution Name
Asset Group C - $501 million to $1 billion in total assets
Northern
Valley First Credit Union
Fresno County Federal Credit Union
Santa Clara County Federal Credit Union
1st Northern California Credit Union
Bay Federal Credit Union
Sierra Central Credit Union
S.F. Police Credit Union
1st United Services Credit Union
San Mateo Credit Union
Operating Engineers Local Union #3 Federal Credit Union
San Francisco Federal Credit Union
Southern
University Credit Union
Water and Power Community Credit Union
American First Credit Union
First City Credit Union
Southland Credit Union
AltaOne Federal Credit Union
Christian Community Credit Union
SCE Federal Credit Union
Farmers Insurance Group Federal Credit Union
Honda Federal Credit Union
Sesloc Federal Credit Union
Pacific Marine Credit Union
Ventura County Credit Union
Los Angeles Police Federal Credit Union
University & State Employees Credit Union
Los Angeles Federal Credit Union
Evangelical Christian Credit Union
CoastHills Credit Union
Xceed Financial Federal Credit Union
Arrowhead Central Credit Union
Regional Average
Regional Average
State Average of Asset Group C
$555,484
$616,287
$643,968
$658,477
$756,342
$792,423
$801,363
$858,853
$868,069
$963,571
$999,571
$345
$1,023
$667
$737
$1,554
$1,530
$1,021
$1,050
$1,792
$1,669
$805
0.25%
0.67%
0.42%
0.45%
0.83%
0.78%
0.51%
0.49%
0.84%
0.71%
0.33%
2.42%
6.05%
4.79%
4.32%
9.79%
6.76%
3.59%
4.68%
8.63%
5.05%
3.14%
$774,037
$1,108
0.57%
5.38%
79.85%
$89
$5,405
$542,837
$557,151
$557,237
$562,096
$579,377
$617,016
$623,734
$636,354
$690,917
$703,543
$705,790
$731,197
$732,979
$830,408
$832,475
$837,886
$900,487
$914,350
$942,962
$960,036
$1,791
$688
$1,177
$807
$147
($172)
$880
$375
$1,097
$1,163
$1,038
$1,135
$976
$678
$691
$980
($3,468)
$3,040
($866)
$4,710
1.33%
0.50%
0.85%
0.58%
0.10%
(0.11%)
0.57%
0.24%
0.64%
0.67%
0.60%
0.62%
0.54%
0.32%
0.34%
0.47%
(1.53%)
1.36%
(0.37%)
1.99%
17.12%
5.81%
8.39%
4.90%
0.92%
(1.17%)
4.88%
2.44%
4.70%
6.81%
6.71%
4.41%
5.87%
2.62%
3.44%
3.90%
(22.50%)
15.39%
(4.30%)
15.26%
68.15%
83.50%
86.13%
79.12%
94.51%
85.08%
85.23%
93.89%
89.76%
85.67%
79.30%
81.62%
73.16%
90.01%
90.33%
81.46%
134.80%
67.12%
93.27%
67.64%
$70
$87
$88
$68
$111
$72
$86
$98
$102
$90
$70
$69
$69
$120
$84
$84
$82
$74
$73
$69
$4,820
$3,928
$3,885
$2,616
$1,787
$2,347
$3,684
$2,912
$6,134
$5,134
$6,000
$4,546
$3,567
$2,217
$3,988
$2,966
($14,481)
$9,258
($565)
$18,978
$722,942
$843
0.49%
4.28%
85.49%
$83
$3,686
0.55%
4.99%
83.56%
$85
$748,489
$976
0.53%
4.83%
82.67%
$86
$4,545
0.63%
5.89%
81.26%
$86
December 31, 2015
Total Assets
($000)
Region
Quarter to Date
As of Date
Net Income
(Loss) ($000)
Return on Avg
Assets (%)
Return on
Avg Net Worth (%)
Year to Date
Oper Exp/ Oper
Rev (%)
Salary&Benefits/
Employees ($000)
Net Income (Loss)
($000)
74.56%
85.44%
64.29%
70.44%
82.01%
72.41%
68.38%
77.85%
74.79%
91.96%
70.82%
76.45%
52.53%
56.45%
74.46%
51.93%
63.45%
76.89%
$98
$130
$85
$72
$111
$84
$116
$115
$97
$80
$73
$83
$105
$87
$106
$192
$87
$91
$6,406
$6,459
$10,830
$9,480
$7,006
$13,309
$19,305
$15,053
$16,180
$9,404
$26,603
$20,415
$26,520
$48,255
$30,187
$57,028
$96,661
$69,998
Return on Avg
Assets (%)
Return on
Avg Net Worth (%)
Oper Exp/ Oper
Rev (%)
Salary&Benefits/
Employees ($000)
0.66%
0.58%
1.01%
0.85%
0.62%
0.84%
1.08%
0.78%
0.77%
0.42%
1.11%
0.84%
1.00%
1.83%
0.68%
0.76%
1.21%
0.75%
7.99%
4.45%
12.78%
7.70%
7.47%
8.01%
11.23%
7.35%
6.57%
4.34%
8.99%
7.01%
9.29%
15.90%
5.76%
6.89%
11.75%
6.32%
81.03%
82.06%
68.12%
69.07%
80.85%
71.70%
65.30%
75.34%
77.36%
85.61%
70.02%
72.46%
61.51%
59.43%
69.48%
45.50%
63.21%
74.60%
$109
$121
$91
$70
$106
$81
$112
$115
$100
$77
$66
$79
$103
$87
$98
$149
$89
$81
Institution Name
Asset Group D - $1 billion and over in total assets
Northern
KeyPoint Credit Union
Pacific Service Credit Union
San Francisco Fire Credit Union
Coast Central Credit Union
Meriwest Credit Union
Schools Financial Credit Union
Stanford Federal Credit Union
Technology Credit Union
Provident Credit Union
SAFE Credit Union
Educational Employees Credit Union
Travis Credit Union
Chevron Federal Credit Union
Redwood Credit Union
Patelco Credit Union
Star One Credit Union
First Technology Federal Credit Union
Golden 1 Credit Union
Southern
Credit Union of Southern California
Northrop Grumman Federal Credit Union
Firefighters First Credit Union
Financial Partners Credit Union
Altura Credit Union
North Island Financial Credit Union
LBS Financial Credit Union
First Entertainment Credit Union
Orange County's Credit Union
Kern Schools Federal Credit Union
NuVision Federal Credit Union
Caltech Employees Federal Credit Union
Partners Federal Credit Union
F&A Federal Credit Union
California Credit Union
California Coast Credit Union
Premier America Credit Union
UNIFY Financial Federal Credit Union
Mission Federal Credit Union
Wescom Central Credit Union
Kinecta Federal Credit Union
Logix Federal Credit Union
San Diego County Credit Union
SchoolsFirst Federal Credit Union
$1,006,689
$1,118,482
$1,124,847
$1,160,157
$1,224,934
$1,615,040
$1,894,472
$2,065,690
$2,124,975
$2,289,307
$2,500,851
$2,518,249
$2,748,259
$2,827,950
$4,741,982
$7,857,994
$8,649,723
$9,676,953
$2,154
$1,504
$3,250
$2,349
$1,380
$3,290
$4,767
$3,034
$4,579
$180
$6,773
$3,685
$10,064
$14,286
$2,904
$12,632
$23,654
$15,942
0.85%
0.54%
1.18%
0.82%
0.46%
0.82%
1.03%
0.60%
0.86%
0.03%
1.09%
0.59%
1.48%
2.07%
0.25%
0.65%
1.11%
0.66%
$3,174,809
$6,468
0.84%
8.04%
71.40%
$101
$27,172
0.88%
8.32%
70.70%
$96
$1,000,880
$1,013,355
$1,056,588
$1,081,461
$1,154,495
$1,182,284
$1,218,616
$1,237,810
$1,311,908
$1,345,310
$1,376,641
$1,397,949
$1,415,713
$1,455,167
$1,463,540
$2,015,035
$2,147,551
$2,173,990
$2,863,597
$3,007,815
$3,800,424
$4,230,821
$7,168,553
$11,745,352
$1,940
$917
$232
$1,271
($72)
$2,842
$2,206
$1,263
$2,472
$1,539
$1,532
$2,137
$3,486
$4,238
$2,148
$7,151
$3,710
($1,261)
$8,280
$6,983
$3,151
$11,295
$22,489
$20,940
0.78%
0.36%
0.09%
0.48%
(0.03%)
0.96%
0.73%
0.41%
0.76%
0.46%
0.45%
0.62%
1.01%
1.17%
0.58%
1.44%
0.69%
(0.23%)
1.17%
0.89%
0.33%
1.07%
1.26%
0.72%
6.90%
3.31%
0.88%
4.81%
(0.24%)
8.66%
5.44%
4.30%
7.84%
4.64%
3.98%
5.76%
8.55%
7.93%
7.16%
12.29%
7.09%
(2.69%)
9.60%
13.67%
4.14%
6.59%
9.16%
6.25%
80.80%
78.21%
95.69%
81.89%
89.29%
79.55%
74.64%
78.73%
80.26%
84.53%
79.50%
62.46%
78.35%
47.04%
89.10%
68.04%
77.05%
95.85%
69.96%
97.14%
87.48%
65.18%
61.44%
70.71%
$91
$77
$116
$95
$76
$87
$77
$91
$88
$57
$89
$121
$83
$93
$129
$80
$100
$112
$84
$84
$89
$105
$87
$96
$7,944
$4,606
$6,027
$4,526
$5,952
$10,654
$10,255
$7,807
$11,727
$6,644
$7,915
$10,187
$17,602
$15,868
$9,058
$21,140
$14,873
$9,848
$32,170
$23,010
$15,734
$59,059
$87,886
$101,320
0.81%
0.46%
0.59%
0.45%
0.64%
0.91%
0.86%
0.65%
0.93%
0.50%
0.58%
0.74%
1.31%
1.11%
0.63%
1.10%
0.78%
0.47%
1.17%
0.73%
0.42%
1.44%
1.26%
0.90%
7.24%
4.25%
5.83%
4.60%
5.77%
8.35%
6.47%
6.76%
9.62%
5.05%
5.19%
6.98%
11.19%
7.57%
7.60%
9.39%
7.98%
5.36%
9.65%
11.41%
5.24%
8.85%
9.25%
7.78%
78.69%
77.96%
82.18%
83.91%
82.95%
80.95%
74.20%
76.13%
77.38%
88.00%
79.88%
55.98%
72.26%
48.49%
85.64%
72.01%
74.95%
81.18%
70.39%
88.55%
87.40%
59.05%
60.89%
67.10%
$85
$78
$102
$92
$63
$87
$76
$88
$82
$59
$91
$115
$77
$93
$112
$75
$93
$88
$81
$93
$95
$105
$78
$93
$2,411,036
$4,620
0.67%
6.08%
78.04%
$92
$20,909
0.81%
7.39%
75.26%
$88
$2,792,922
$5,544
0.76%
7.06%
74.72%
$96
$24,041
0.84%
7.86%
72.98%
$92
Regional Average
Regional Average
State Average of Asset Group D
10.39%
4.09%
14.70%
7.38%
6.00%
7.74%
10.75%
5.85%
7.28%
0.33%
8.83%
4.96%
13.69%
17.75%
2.19%
6.03%
11.13%
5.63%
Balance Sheet & Net Interest Margin
December 31, 2015
As of Date
Total Assets ($000)
Region
Total Lns & Leases Total Shares &
($000)
Deposits ($000)
Year to Date
Total Loans/
Total Shares (%)
Assets/ FTE
Employees ($000)
Yield on Avg
Assets (%)
Interest Expense/
Avg Assets (%)
Net Interest Margin/
Avg Assets (%)
Asset Growth
Rate (%)
Market Growth
Rate (%)
Institution Name
Northern
Merco Credit Union
CAHP Credit Union
Regional Average
Southern
Nikkei Credit Union
$57,661
$58,813
$59,794
$63,289
$64,551
$65,747
$66,399
$68,168
$69,521
$70,108
$71,424
$79,136
$82,150
$82,204
$85,357
$86,361
$87,745
$91,454
$97,339
$97,418
$102,282
$107,203
$109,496
$113,247
$121,027
$124,168
$127,540
$131,826
$133,023
$134,448
$137,617
$157,706
$170,011
$187,906
$200,878
$214,066
$214,954
$216,155
$224,035
$242,018
$249,725
$23,918
$22,223
$28,089
$32,431
$19,891
$59,401
$32,944
$24,284
$17,831
$35,265
$32,817
$35,328
$38,211
$44,056
$53,054
$28,527
$64,102
$60,069
$12,774
$38,014
$52,059
$87,723
$84,238
$53,093
$85,233
$47,713
$24,144
$82,516
$55,858
$85,928
$79,953
$121,470
$97,764
$138,775
$136,272
$121,585
$53,552
$129,281
$121,803
$149,642
$85,479
$51,561
$51,334
$51,818
$50,829
$58,552
$56,337
$59,013
$62,508
$59,992
$61,994
$62,244
$72,145
$73,847
$74,562
$74,595
$79,600
$81,068
$75,128
$88,419
$88,017
$91,089
$97,371
$89,190
$105,441
$105,678
$113,448
$109,981
$107,954
$118,428
$117,899
$117,175
$143,301
$155,381
$167,271
$176,774
$200,111
$183,009
$197,241
$188,762
$215,598
$227,498
46.39%
43.29%
54.21%
63.80%
33.97%
105.44%
55.82%
38.85%
29.72%
56.88%
52.72%
48.97%
51.74%
59.09%
71.12%
35.84%
79.07%
79.96%
14.45%
43.19%
57.15%
90.09%
94.45%
50.35%
80.65%
42.06%
21.95%
76.44%
47.17%
72.88%
68.23%
84.77%
62.92%
82.96%
77.09%
60.76%
29.26%
65.54%
64.53%
69.41%
37.57%
$3,604
$3,676
$11,959
$4,868
$9,222
$5,717
$4,918
$3,588
$9,932
$4,523
$8,928
$6,595
$3,912
$6,089
$3,161
$10,795
$3,250
$5,081
$12,167
$3,143
$5,114
$2,784
$5,615
$4,356
$2,548
$3,548
$23,189
$21,971
$2,989
$4,202
$3,440
$5,632
$3,301
$3,614
$4,415
$2,564
$7,961
$3,226
$2,987
$4,654
$3,398
2.52%
2.51%
2.10%
2.83%
2.62%
5.01%
3.07%
3.04%
2.35%
3.09%
1.89%
2.61%
2.57%
2.72%
4.40%
2.26%
3.55%
3.43%
1.75%
3.17%
2.73%
4.61%
3.31%
2.89%
3.19%
2.73%
1.41%
2.88%
2.67%
3.18%
3.41%
5.35%
3.43%
3.60%
2.90%
2.81%
2.65%
3.93%
3.82%
3.09%
2.22%
0.02%
0.09%
0.15%
0.19%
0.10%
0.64%
0.11%
0.02%
0.40%
0.39%
0.18%
0.21%
0.20%
0.22%
0.25%
0.17%
0.28%
0.20%
0.27%
0.13%
0.21%
0.10%
0.18%
0.12%
0.09%
0.15%
0.34%
1.64%
0.19%
0.24%
0.15%
0.25%
0.18%
0.15%
0.10%
0.15%
0.26%
0.06%
0.07%
0.15%
0.05%
2.49%
2.42%
1.95%
2.65%
2.52%
4.37%
2.96%
3.01%
1.95%
2.70%
1.72%
2.40%
2.38%
2.50%
4.15%
2.09%
3.27%
3.23%
1.48%
3.04%
2.51%
4.52%
3.13%
2.77%
3.10%
2.58%
1.07%
1.23%
2.48%
2.94%
3.26%
5.10%
3.25%
3.45%
2.79%
2.65%
2.39%
3.87%
3.76%
2.95%
2.17%
(2.81%)
3.80%
0.89%
0.60%
10.25%
7.35%
2.41%
2.72%
(0.22%)
10.08%
4.59%
1.48%
4.28%
4.44%
16.55%
1.18%
7.01%
7.14%
(2.08%)
6.13%
6.56%
3.22%
0.22%
3.61%
8.74%
2.12%
2.96%
2.75%
3.03%
9.22%
9.92%
18.61%
13.24%
8.70%
1.69%
2.86%
4.40%
15.01%
4.62%
7.37%
7.10%
(3.73%)
3.87%
1.67%
(0.16%)
10.77%
7.62%
2.40%
2.47%
(0.74%)
10.12%
5.03%
1.08%
4.81%
4.24%
17.00%
1.36%
7.75%
8.39%
(3.13%)
5.95%
4.74%
4.19%
(0.49%)
4.08%
8.51%
2.25%
3.05%
2.89%
3.33%
6.34%
3.82%
18.83%
14.32%
6.78%
0.00%
3.65%
3.97%
16.20%
4.71%
6.98%
7.67%
$120,097
$63,349
$106,394
58.55%
$6,016
3.03%
0.22%
2.81%
5.41%
5.19%
$52,296
$52,856
$53,105
$62,216
$62,939
$62,979
$64,957
$64,994
$65,410
$66,013
$66,412
$34,810
$31,832
$12,579
$41,902
$27,865
$29,237
$35,345
$30,539
$24,203
$46,702
$21,262
$48,245
$46,853
$47,499
$53,735
$53,342
$57,517
$52,102
$56,735
$57,282
$60,478
$55,472
72.15%
67.94%
26.48%
77.98%
52.24%
50.83%
67.84%
53.83%
42.25%
77.22%
38.33%
$2,905
$6,218
$6,248
$3,191
$4,841
$5,248
$2,953
$4,333
$6,230
$4,259
$16,603
4.51%
3.26%
2.28%
3.91%
3.11%
2.58%
3.48%
3.23%
2.34%
3.79%
3.76%
0.15%
0.56%
0.19%
0.16%
0.22%
0.03%
0.24%
0.42%
0.14%
0.17%
1.16%
4.36%
2.70%
2.08%
3.76%
2.89%
2.54%
3.24%
2.81%
2.20%
3.62%
2.60%
2.76%
6.17%
7.42%
(0.54%)
3.58%
0.98%
(2.39%)
6.68%
(4.09%)
1.45%
6.73%
2.57%
6.00%
8.05%
(1.45%)
3.77%
0.02%
(2.08%)
6.92%
(4.90%)
0.20%
6.37%
BS & NIM Page 8 of 27
December 31, 2015
As of Date
Total Assets ($000)
Region
($000)
Deposits ($000)
Year to Date
Total Loans/
Total Shares (%)
Assets/ FTE
Employees ($000)
Yield on Avg
Assets (%)
Interest Expense/
Avg Assets (%)
Avg Assets (%)
Asset Growth
Rate (%)
Market Growth
Rate (%)
Institution Name
JACOM Credit Union
Fiscal Credit Union
Regional Average
$66,629
$67,546
$68,381
$71,128
$72,475
$74,778
$76,283
$78,351
$84,834
$84,942
$86,235
$88,919
$90,100
$92,485
$95,625
$97,167
$97,526
$104,550
$109,797
$111,539
$111,583
$117,697
$118,238
$119,277
$126,190
$137,174
$139,396
$141,012
$143,156
$149,915
$157,495
$158,148
$171,629
$172,439
$175,377
$178,724
$179,456
$186,374
$186,397
$194,038
$196,510
$222,071
$222,407
$224,102
$224,571
$226,515
$241,567
$39,713
$44,102
$46,220
$30,206
$32,707
$42,347
$27,397
$27,151
$66,247
$57,492
$45,113
$53,445
$37,435
$46,336
$43,848
$66,157
$52,882
$55,382
$69,792
$32,214
$45,656
$69,310
$40,176
$58,454
$68,505
$59,007
$29,651
$70,129
$78,671
$51,012
$73,918
$85,841
$106,221
$80,804
$69,933
$131,982
$73,872
$93,504
$124,032
$81,942
$127,343
$56,263
$114,679
$60,334
$176,691
$87,187
$129,531
$60,752
$56,446
$59,111
$66,444
$66,622
$62,847
$64,905
$67,694
$75,212
$75,148
$75,273
$81,244
$82,650
$84,011
$84,817
$82,966
$87,733
$94,099
$95,063
$92,777
$103,169
$105,448
$107,939
$107,458
$110,361
$124,149
$105,283
$125,716
$130,066
$132,997
$142,721
$129,563
$140,340
$149,014
$160,046
$155,721
$164,065
$157,000
$162,703
$169,288
$170,827
$193,900
$201,913
$199,960
$192,227
$207,091
$212,704
65.37%
78.13%
78.19%
45.46%
49.09%
67.38%
42.21%
40.11%
88.08%
76.51%
59.93%
65.78%
45.29%
55.15%
51.70%
79.74%
60.28%
58.86%
73.42%
34.72%
44.25%
65.73%
37.22%
54.40%
62.07%
47.53%
28.16%
55.78%
60.49%
38.36%
51.79%
66.25%
75.69%
54.23%
43.70%
84.76%
45.03%
59.56%
76.23%
48.40%
74.55%
29.02%
56.80%
30.17%
91.92%
42.10%
60.90%
$5,125
$4,503
$4,716
$4,589
$6,589
$4,154
$5,086
$7,835
$5,656
$2,427
$6,633
$2,779
$5,300
$6,166
$4,781
$2,460
$6,095
$4,100
$16,892
$4,290
$5,313
$3,736
$7,166
$3,360
$2,901
$3,758
$7,744
$4,147
$3,671
$4,052
$2,890
$3,811
$17,163
$5,845
$6,618
$4,109
$3,859
$4,491
$4,491
$5,624
$4,913
$11,688
$3,502
$12,114
$3,593
$4,576
$3,745
3.21%
4.45%
3.25%
2.69%
2.75%
3.70%
2.56%
2.28%
3.56%
4.86%
3.55%
3.46%
2.75%
2.63%
3.05%
3.69%
2.53%
3.26%
3.17%
2.25%
2.77%
3.78%
2.06%
2.77%
3.51%
2.83%
2.18%
3.42%
3.04%
2.57%
3.07%
3.46%
2.75%
2.27%
2.60%
4.43%
2.90%
3.18%
4.89%
2.61%
3.52%
2.18%
3.24%
1.54%
3.36%
2.37%
3.52%
0.49%
0.34%
0.23%
0.04%
0.36%
0.43%
0.16%
0.15%
0.06%
0.43%
0.53%
0.12%
0.19%
0.39%
0.30%
0.29%
0.28%
0.12%
1.00%
0.16%
0.21%
0.23%
0.15%
0.24%
0.11%
0.13%
0.39%
0.18%
0.17%
0.19%
0.15%
0.33%
0.71%
0.37%
0.22%
0.26%
0.10%
0.18%
0.51%
0.34%
0.20%
0.40%
0.25%
0.22%
0.15%
0.04%
0.12%
2.72%
4.10%
3.02%
2.65%
2.39%
3.26%
2.43%
2.13%
3.50%
4.42%
3.02%
3.34%
2.56%
2.23%
2.75%
3.40%
2.25%
3.13%
2.17%
2.09%
2.56%
3.55%
1.97%
2.53%
3.39%
2.70%
1.79%
3.24%
2.88%
2.38%
2.92%
3.14%
2.10%
1.89%
2.38%
4.17%
2.79%
2.99%
4.38%
2.27%
3.32%
1.77%
2.99%
1.32%
3.20%
2.32%
3.41%
13.11%
9.46%
(3.78%)
4.33%
(2.05%)
9.75%
0.96%
(1.60%)
1.67%
8.73%
3.62%
8.61%
7.79%
4.62%
8.42%
5.56%
4.29%
2.38%
11.68%
3.02%
7.75%
8.20%
0.14%
6.34%
2.72%
(0.12%)
(4.81%)
5.96%
5.20%
2.19%
7.76%
(0.43%)
5.13%
0.99%
5.86%
13.36%
6.67%
(0.31%)
14.89%
4.19%
5.61%
0.02%
3.08%
3.78%
2.85%
2.14%
13.25%
13.48%
8.76%
0.33%
5.46%
(2.23%)
11.10%
0.27%
(1.70%)
0.25%
8.33%
3.76%
9.23%
7.51%
4.74%
7.92%
4.90%
4.16%
1.92%
11.80%
2.47%
8.70%
8.67%
0.33%
5.69%
2.31%
0.85%
(2.91%)
5.60%
5.81%
2.24%
8.08%
(1.48%)
4.70%
1.14%
6.54%
16.59%
6.75%
2.42%
14.73%
4.37%
5.29%
(0.45%)
0.71%
4.30%
2.21%
1.78%
14.24%
$120,947
$60,295
$106,323
57.37%
$5,553
3.12%
0.28%
2.84%
4.34%
4.43%
$120,522
$61,822
$106,359
57.96%
$5,784
3.07%
0.25%
2.83%
4.87%
4.81%
December 31, 2015
As of Date
Total Assets ($000)
Region
($000)
Deposits ($000)
Year to Date
Total Loans/
Total Shares (%)
Assets/ FTE
Employees ($000)
Yield on Avg
Assets (%)
Interest Expense/
Avg Assets (%)
Avg Assets (%)
Asset Growth
Rate (%)
Market Growth
Rate (%)
Institution Name
Northern
UNCLE Credit Union
Regional Average
Southern
Safe 1 Credit Union
USC Credit Union
Regional Average
$327,178
$335,908
$344,509
$361,861
$367,758
$383,740
$403,789
$426,106
$435,383
$455,404
$222,376
$190,301
$124,607
$299,297
$195,515
$278,348
$201,367
$166,293
$147,624
$299,193
$293,087
$298,899
$276,185
$320,307
$330,641
$348,142
$346,838
$327,833
$392,246
$407,646
75.87%
63.67%
45.12%
93.44%
59.13%
79.95%
58.06%
50.72%
37.64%
73.40%
$5,277
$4,665
$9,704
$5,169
$5,791
$4,217
$5,210
$4,020
$4,707
$4,794
2.92%
2.80%
2.29%
3.70%
2.78%
3.21%
2.24%
3.75%
2.65%
3.16%
0.13%
0.18%
0.44%
0.36%
0.16%
0.11%
0.16%
1.47%
0.11%
0.09%
2.80%
2.62%
1.85%
3.34%
2.63%
3.10%
2.08%
2.28%
2.54%
3.07%
10.80%
22.32%
2.58%
8.66%
7.25%
7.18%
4.57%
10.29%
8.50%
8.61%
12.13%
22.02%
2.36%
5.57%
7.35%
6.95%
3.94%
13.31%
8.77%
8.93%
$384,164
$212,492
$334,182
63.70%
$5,355
2.95%
0.32%
2.63%
9.08%
9.13%
$260,777
$279,502
$299,676
$313,307
$343,272
$345,279
$358,369
$363,023
$370,303
$404,325
$431,140
$440,790
$446,166
$449,981
$452,728
$453,668
$190,547
$180,407
$82,361
$211,529
$66,008
$169,076
$253,507
$219,311
$69,450
$296,003
$335,761
$237,981
$385,244
$277,292
$238,894
$318,338
$230,329
$254,218
$269,026
$277,296
$297,411
$300,007
$296,826
$328,309
$333,209
$334,623
$393,418
$357,208
$404,313
$398,366
$351,549
$412,999
82.73%
70.97%
30.61%
76.28%
22.19%
56.36%
85.41%
66.80%
20.84%
88.46%
85.34%
66.62%
95.28%
69.61%
67.95%
77.08%
$3,343
$5,224
$13,622
$3,775
$14,925
$5,481
$2,789
$4,654
$14,242
$4,468
$3,974
$5,216
$3,131
$5,421
$4,716
$3,962
4.00%
3.22%
1.93%
4.24%
2.07%
2.94%
3.61%
2.72%
2.04%
2.75%
2.71%
3.47%
4.43%
3.32%
3.71%
3.07%
0.16%
0.27%
0.30%
0.61%
0.57%
0.34%
0.40%
0.23%
0.64%
0.25%
0.26%
0.34%
0.05%
0.45%
0.50%
0.14%
3.84%
2.95%
1.63%
3.62%
1.50%
2.60%
3.21%
2.50%
1.40%
2.50%
2.45%
3.13%
4.38%
2.87%
3.21%
2.92%
2.33%
5.48%
(2.32%)
9.08%
1.34%
7.59%
17.83%
4.51%
1.84%
6.00%
8.11%
8.69%
4.91%
6.98%
5.15%
3.80%
0.97%
5.04%
(3.42%)
11.55%
0.55%
7.52%
12.66%
5.40%
2.23%
5.64%
8.50%
0.35%
5.38%
7.39%
6.10%
3.62%
$375,769
$220,732
$327,444
66.41%
$6,184
3.14%
0.34%
2.79%
5.71%
4.97%
$379,966
$216,612
$330,813
65.05%
$5,770
3.04%
0.33%
2.71%
7.39%
7.05%
December 31, 2015
As of Date
Total Assets ($000)
Region
($000)
Deposits ($000)
Year to Date
Total Loans/
Total Shares (%)
Assets/ FTE
Employees ($000)
Yield on Avg
Assets (%)
Interest Expense/
Avg Assets (%)
Avg Assets (%)
Asset Growth
Rate (%)
Market Growth
Rate (%)
Institution Name
Northern
Regional Average
Southern
Regional Average
$555,484
$616,287
$643,968
$658,477
$756,342
$792,423
$801,363
$858,853
$868,069
$963,571
$999,571
$294,162
$418,461
$311,471
$185,861
$492,778
$559,000
$478,690
$630,338
$542,503
$484,406
$526,508
$492,859
$528,950
$581,818
$587,293
$675,725
$693,464
$685,316
$766,111
$779,403
$766,773
$875,616
59.68%
79.11%
53.53%
31.65%
72.93%
80.61%
69.85%
82.28%
69.60%
63.17%
60.13%
$3,716
$3,144
$5,600
$10,621
$3,628
$5,196
$7,525
$6,556
$5,460
$5,911
$7,404
2.90%
3.98%
3.16%
1.75%
3.54%
3.44%
3.32%
3.05%
3.30%
3.33%
2.84%
0.18%
0.30%
0.25%
0.24%
0.23%
0.29%
0.27%
0.36%
0.19%
0.33%
0.36%
2.72%
3.68%
2.91%
1.51%
3.31%
3.15%
3.05%
2.69%
3.11%
3.00%
2.48%
5.63%
8.69%
9.62%
3.14%
3.00%
7.43%
2.43%
2.94%
8.14%
8.96%
6.51%
5.40%
8.78%
9.70%
2.96%
9.42%
7.53%
2.83%
2.75%
8.36%
6.38%
5.40%
$774,037
$447,653
$675,757
65.69%
$5,887
3.15%
0.27%
2.87%
6.04%
6.32%
$542,837
$557,151
$557,237
$562,096
$579,377
$617,016
$623,734
$636,354
$690,917
$703,543
$705,790
$731,197
$732,979
$830,408
$832,475
$837,886
$900,487
$914,350
$942,962
$960,036
$230,580
$238,694
$335,673
$266,201
$384,498
$550,622
$503,645
$402,350
$602,710
$502,006
$379,311
$446,989
$581,211
$528,022
$515,357
$472,012
$650,999
$790,663
$772,788
$447,202
$499,520
$505,698
$451,261
$493,672
$508,884
$550,209
$543,983
$547,783
$589,848
$605,198
$638,698
$616,894
$661,130
$722,960
$737,554
$729,000
$729,515
$740,384
$778,137
$799,885
46.16%
47.20%
74.39%
53.92%
75.56%
100.08%
92.58%
73.45%
102.18%
82.95%
59.39%
72.46%
87.91%
73.04%
69.87%
64.75%
89.24%
106.79%
99.31%
55.91%
$6,620
$5,436
$4,742
$4,743
$5,173
$3,362
$4,725
$3,928
$4,076
$4,920
$5,450
$3,316
$4,225
$5,555
$5,123
$5,286
$6,232
$4,185
$4,924
$3,504
2.34%
2.78%
2.86%
2.60%
3.45%
4.26%
3.71%
3.71%
5.01%
3.63%
2.55%
2.91%
3.54%
3.41%
3.13%
3.17%
3.94%
4.03%
3.07%
3.14%
0.18%
0.17%
0.54%
0.15%
0.23%
0.34%
0.61%
0.43%
0.47%
0.40%
0.31%
0.28%
0.25%
0.33%
0.24%
0.28%
0.94%
0.60%
0.63%
0.14%
2.16%
2.62%
2.32%
2.45%
3.23%
3.92%
3.10%
3.28%
4.54%
3.23%
2.24%
2.62%
3.29%
3.08%
2.89%
2.89%
3.01%
3.43%
2.44%
3.00%
9.81%
6.54%
11.97%
6.53%
1.99%
5.72%
7.60%
4.69%
5.73%
4.73%
9.06%
5.67%
5.69%
3.79%
4.80%
3.33%
(10.06%)
15.81%
1.13%
12.26%
9.96%
6.75%
2.19%
6.82%
1.80%
4.35%
8.15%
5.63%
5.50%
6.02%
9.00%
5.74%
7.08%
4.04%
3.83%
3.74%
(4.13%)
15.11%
(2.20%)
10.14%
$722,942
$480,077
$622,511
76.36%
$4,776
3.36%
0.38%
2.99%
5.84%
5.48%
$748,489
$463,865
$649,134
71.02%
$5,332
3.25%
0.32%
2.93%
5.94%
5.90%
December 31, 2015
As of Date
Total Assets ($000)
Region
($000)
Deposits ($000)
Year to Date
Total Loans/
Total Shares (%)
Assets/ FTE
Employees ($000)
Yield on Avg
Assets (%)
Interest Expense/
Avg Assets (%)
Avg Assets (%)
Asset Growth
Rate (%)
Market Growth
Rate (%)
Institution Name
Northern
SAFE Credit Union
Travis Credit Union
Southern
Altura Credit Union
Regional Average
$1,006,689
$1,118,482
$1,124,847
$1,160,157
$1,224,934
$1,615,040
$1,894,472
$2,065,690
$2,124,975
$2,289,307
$2,500,851
$2,518,249
$2,748,259
$2,827,950
$4,741,982
$7,857,994
$8,649,723
$9,676,953
$837,759
$459,259
$810,074
$512,001
$901,578
$869,863
$1,115,385
$1,323,526
$1,226,048
$1,448,356
$1,030,237
$1,606,721
$2,207,102
$2,081,473
$3,212,504
$3,232,069
$6,155,181
$5,773,810
$868,934
$957,124
$1,025,785
$956,504
$1,009,266
$1,434,568
$1,593,032
$1,848,884
$1,855,770
$2,049,077
$2,167,228
$2,200,129
$2,437,641
$2,469,244
$4,077,121
$5,289,171
$6,224,393
$8,450,212
96.41%
47.98%
78.97%
53.53%
89.33%
60.64%
70.02%
71.59%
66.07%
70.68%
47.54%
73.03%
90.54%
84.30%
78.79%
61.11%
98.89%
68.33%
$5,853
$10,031
$8,063
$6,155
$6,125
$5,809
$11,277
$9,160
$7,469
$3,790
$5,607
$4,305
$11,820
$6,479
$7,916
$43,176
$7,838
$7,033
3.48%
2.28%
2.88%
2.66%
2.91%
2.66%
2.91%
2.75%
2.49%
2.74%
2.94%
3.60%
3.23%
3.20%
2.89%
2.19%
3.05%
2.75%
0.24%
0.27%
0.26%
0.62%
0.13%
0.21%
0.47%
0.21%
0.35%
0.28%
0.35%
0.21%
0.60%
0.19%
0.45%
0.91%
0.50%
0.30%
3.24%
2.01%
2.63%
2.04%
2.78%
2.45%
2.45%
2.54%
2.14%
2.46%
2.59%
3.39%
2.63%
3.01%
2.44%
1.29%
2.55%
2.45%
7.24%
3.10%
9.66%
9.34%
15.83%
6.48%
11.34%
12.97%
4.58%
6.71%
9.43%
9.39%
9.97%
14.43%
13.01%
9.13%
17.80%
9.95%
9.01%
3.10%
9.34%
10.47%
6.59%
6.63%
10.15%
14.05%
4.28%
7.09%
9.28%
9.52%
10.07%
13.94%
12.03%
8.51%
13.37%
10.65%
$3,174,809
$1,933,497
$2,606,338
72.65%
$9,328
2.87%
0.36%
2.51%
10.02%
9.34%
$1,000,880
$1,013,355
$1,056,588
$1,081,461
$1,154,495
$1,182,284
$1,218,616
$1,237,810
$1,311,908
$1,345,310
$1,376,641
$1,397,949
$1,415,713
$1,455,167
$1,463,540
$2,015,035
$2,147,551
$2,173,990
$2,863,597
$3,007,815
$3,800,424
$4,230,821
$7,168,553
$11,745,352
$449,446
$471,812
$892,034
$813,923
$686,059
$837,524
$850,652
$692,420
$792,873
$837,588
$928,187
$355,895
$1,212,497
$282,779
$1,061,322
$1,468,057
$1,496,338
$1,440,855
$1,808,462
$1,688,204
$3,270,079
$3,586,828
$5,012,879
$5,727,672
$873,669
$895,364
$911,267
$877,177
$1,016,844
$1,034,445
$1,051,227
$1,110,867
$1,140,347
$1,198,148
$1,188,388
$1,245,882
$1,232,792
$1,187,687
$1,167,305
$1,771,191
$1,913,435
$1,917,338
$2,462,852
$2,513,246
$3,255,734
$3,473,325
$6,136,978
$9,826,577
51.44%
52.69%
97.89%
92.79%
67.47%
80.96%
80.92%
62.33%
69.53%
69.91%
78.10%
28.57%
98.35%
23.81%
90.92%
82.89%
78.20%
75.15%
73.43%
67.17%
100.44%
103.27%
81.68%
58.29%
$4,529
$7,736
$7,656
$5,263
$3,488
$4,582
$5,502
$6,655
$4,886
$3,342
$5,274
$20,260
$3,726
$18,190
$5,099
$4,803
$7,147
$4,313
$5,444
$3,987
$3,726
$7,886
$9,514
$8,480
3.22%
2.88%
3.39%
3.35%
3.10%
2.84%
3.23%
2.82%
2.96%
2.89%
3.50%
2.36%
4.49%
2.55%
3.28%
2.84%
3.23%
3.94%
2.69%
3.13%
3.53%
3.51%
2.63%
2.80%
0.25%
0.55%
0.67%
0.45%
0.20%
0.11%
0.43%
0.35%
0.32%
0.21%
0.45%
0.80%
0.50%
0.74%
0.33%
0.15%
0.49%
0.40%
0.29%
0.54%
0.68%
0.51%
0.43%
0.59%
2.97%
2.33%
2.79%
2.90%
2.90%
2.73%
2.81%
2.47%
2.63%
2.68%
3.06%
1.55%
3.98%
1.81%
2.96%
2.68%
2.74%
3.55%
2.40%
2.59%
2.86%
3.00%
2.20%
2.21%
7.89%
4.87%
10.70%
17.21%
52.45%
3.35%
6.92%
8.00%
8.63%
5.47%
4.40%
3.89%
10.29%
4.78%
9.70%
8.90%
24.98%
7.19%
9.80%
7.70%
5.57%
7.11%
6.51%
9.92%
8.96%
4.69%
11.75%
18.11%
55.62%
2.69%
6.99%
8.36%
8.47%
5.82%
4.01%
3.64%
9.93%
6.08%
13.48%
9.45%
24.81%
10.39%
9.23%
9.57%
9.53%
7.55%
6.55%
10.90%
$2,411,036
$1,527,683
$2,058,420
73.59%
$6,729
3.13%
0.44%
2.70%
10.26%
11.11%
$2,792,922
$1,730,590
$2,332,379
73.12%
$8,028
3.00%
0.40%
2.60%
10.14%
10.22%
Regional Average
December 31, 2015
As of Date
Total Assets ($000)
Region
($000)
Deposits ($000)
Year to Date
Total Loans/
Total Shares (%)
Assets/ FTE
Employees ($000)
Yield on Avg
Assets (%)
Interest Expense/
Avg Assets (%)
Avg Assets (%)
Asset Growth
Rate (%)
Market Growth
Rate (%)
Institution Name
Asset Quality
Asset Quality
December 31, 2015
As of Date
Delinquent Loans
Total Assets ($000) => 2 months ($000)
Region
NPLs / Loans (%)
Loan Loss
Reserves / Gross
Loans (%)
Reserves / NPLs
(%)
NPAs / Equity +
LLRs (%)
Delinquent Loans/
Assets (%)
Institution Name
Northern
Merco Credit Union
CAHP Credit Union
Southern
Nikkei Credit Union
Regional Average
$57,661
$58,813
$59,794
$63,289
$64,551
$65,747
$66,399
$68,168
$69,521
$70,108
$71,424
$79,136
$82,150
$82,204
$85,357
$86,361
$87,745
$91,454
$97,339
$97,418
$102,282
$107,203
$109,496
$113,247
$121,027
$124,168
$127,540
$131,826
$133,023
$134,448
$137,617
$157,706
$170,011
$187,906
$200,878
$214,066
$214,954
$216,155
$224,035
$242,018
$249,725
$19
$120
$51
$0
$79
$0
$90
$175
$82
$0
$3
$17
$347
$457
$184
$32
$639
$424
$29
$60
$215
$2,644
$71
$540
$39
$294
$104
$206
$391
$211
$281
$229
$407
$525
$739
$318
$261
$1,036
$1,169
$681
$135
0.08%
0.54%
0.18%
0.00%
0.40%
0.00%
0.27%
0.72%
0.46%
0.00%
0.01%
0.05%
0.91%
1.04%
0.35%
0.11%
1.00%
0.71%
0.23%
0.16%
0.41%
3.01%
0.08%
1.02%
0.05%
0.62%
0.43%
0.25%
0.70%
0.25%
0.35%
0.19%
0.42%
0.38%
0.54%
0.26%
0.49%
0.80%
0.96%
0.46%
0.16%
0.56%
3.34%
0.33%
0.67%
0.91%
2.15%
0.28%
1.61%
1.45%
1.21%
1.73%
0.92%
0.26%
0.12%
0.54%
0.39%
0.84%
0.70%
0.61%
0.79%
0.68%
2.23%
1.44%
1.01%
0.32%
2.43%
0.92%
1.00%
1.79%
0.64%
0.72%
0.53%
1.33%
0.40%
0.71%
0.56%
0.97%
1.05%
1.30%
0.97%
0.64%
705.26%
618.33%
182.35%
NA
230.38%
NA
103.33%
223.43%
315.85%
NA
NM
NM
29.11%
11.16%
154.35%
343.75%
84.51%
98.58%
268.97%
498.33%
165.58%
73.90%
NM
99.07%
692.31%
393.88%
214.42%
400.49%
255.24%
259.72%
205.69%
279.91%
319.66%
106.86%
131.12%
214.78%
198.47%
131.08%
135.67%
212.19%
402.96%
0.32%
1.50%
0.73%
0.00%
1.32%
0.00%
1.40%
3.03%
0.86%
27.29%
0.03%
3.44%
5.83%
6.47%
7.22%
0.48%
11.55%
2.67%
0.54%
0.70%
2.37%
33.17%
0.36%
11.37%
0.79%
2.51%
0.59%
0.92%
4.59%
1.52%
2.26%
1.59%
3.60%
5.58%
3.55%
3.55%
0.86%
6.68%
4.89%
2.57%
0.65%
0.03%
0.20%
0.09%
0.00%
0.12%
0.00%
0.14%
0.26%
0.12%
0.00%
0.00%
0.02%
0.42%
0.56%
0.22%
0.04%
0.73%
0.46%
0.03%
0.06%
0.21%
2.47%
0.06%
0.48%
0.03%
0.24%
0.08%
0.16%
0.29%
0.16%
0.20%
0.15%
0.24%
0.28%
0.37%
0.15%
0.12%
0.48%
0.52%
0.28%
0.05%
$120,097
$324
0.46%
1.00%
250.31%
4.13%
0.26%
$52,296
$52,856
$53,105
$62,216
$62,939
$62,979
$64,957
$64,994
$65,410
$66,013
$66,412
$188
$6
$0
$516
$69
$218
$1,931
$23
$68
$88
$295
0.54%
0.02%
0.00%
1.23%
0.25%
0.75%
5.46%
0.08%
0.28%
0.19%
1.39%
3.28%
2.22%
1.97%
1.18%
0.36%
0.67%
0.53%
1.00%
1.06%
0.78%
1.32%
606.91%
NM
NA
95.74%
146.38%
89.45%
9.68%
NM
376.47%
411.36%
94.92%
4.43%
1.96%
0.21%
6.39%
0.96%
4.11%
17.58%
0.29%
0.85%
1.70%
2.97%
0.36%
0.01%
0.00%
0.83%
0.11%
0.35%
2.97%
0.04%
0.10%
0.13%
0.44%
Asset Quality Page 15 of 27
Asset Quality
December 31, 2015
As of Date
Delinquent Loans
Region
NPLs / Loans (%)
Loan Loss
Reserves / Gross
Loans (%)
Reserves / NPLs
(%)
NPAs / Equity +
LLRs (%)
Delinquent Loans/
Assets (%)
Institution Name
JACOM Credit Union
Fiscal Credit Union
Regional Average
$66,629
$67,546
$68,381
$71,128
$72,475
$74,778
$76,283
$78,351
$84,834
$84,942
$86,235
$88,919
$90,100
$92,485
$95,625
$97,167
$97,526
$104,550
$109,797
$111,539
$111,583
$117,697
$118,238
$119,277
$126,190
$137,174
$139,396
$141,012
$143,156
$149,915
$157,495
$158,148
$171,629
$172,439
$175,377
$178,724
$179,456
$186,374
$186,397
$194,038
$196,510
$222,071
$222,407
$224,102
$224,571
$226,515
$241,567
$171
$22
$581
$94
$165
$875
$578
$117
$121
$699
$859
$798
$33
$15
$77
$177
$229
$333
$0
$1,309
$958
$538
$179
$156
$424
$260
$456
$106
$56
$39
$91
$959
$6
$45
$139
$1,106
$608
$1,184
$3,129
$1,085
$1,636
$61
$684
$16
$1,187
$365
$270
0.43%
0.05%
1.26%
0.31%
0.50%
2.07%
2.11%
0.43%
0.18%
1.22%
1.90%
1.49%
0.09%
0.03%
0.18%
0.27%
0.43%
0.60%
0.00%
4.06%
2.10%
0.78%
0.45%
0.27%
0.62%
0.44%
1.54%
0.15%
0.07%
0.08%
0.12%
1.12%
0.01%
0.06%
0.20%
0.84%
0.82%
1.27%
2.52%
1.32%
1.28%
0.11%
0.60%
0.03%
0.67%
0.42%
0.21%
0.44%
0.72%
0.89%
0.71%
1.50%
1.03%
0.26%
0.37%
0.59%
1.47%
2.42%
0.22%
0.36%
0.58%
0.55%
0.89%
0.41%
1.31%
0.83%
5.24%
1.09%
2.91%
0.71%
0.54%
1.39%
0.43%
1.10%
0.41%
0.73%
0.24%
0.84%
2.13%
1.66%
0.53%
0.38%
0.54%
0.78%
1.23%
1.73%
0.42%
2.73%
0.24%
0.71%
0.20%
0.65%
0.68%
1.00%
101.75%
NM
70.74%
227.66%
297.58%
49.83%
12.11%
86.32%
324.79%
120.89%
127.12%
14.54%
403.03%
NM
315.58%
331.64%
93.89%
218.02%
NA
128.88%
51.77%
375.09%
159.22%
201.28%
223.82%
97.31%
71.71%
269.81%
NM
315.38%
685.71%
190.41%
NM
948.89%
189.21%
64.83%
95.07%
97.47%
68.62%
31.98%
212.47%
224.59%
118.42%
768.75%
96.63%
161.64%
480.00%
4.43%
0.20%
9.96%
2.07%
5.82%
9.55%
6.28%
1.14%
1.28%
7.22%
11.79%
11.53%
0.44%
0.19%
0.78%
1.53%
2.60%
3.86%
2.08%
7.13%
11.54%
6.29%
1.81%
1.45%
4.92%
2.05%
1.35%
0.76%
0.78%
3.31%
1.32%
4.05%
0.02%
0.25%
0.86%
5.79%
4.81%
4.26%
12.74%
4.68%
5.66%
0.22%
3.67%
0.07%
3.79%
2.05%
1.28%
0.26%
0.03%
0.85%
0.13%
0.23%
1.17%
0.76%
0.15%
0.14%
0.82%
1.00%
0.90%
0.04%
0.02%
0.08%
0.18%
0.23%
0.32%
0.00%
1.17%
0.86%
0.46%
0.15%
0.13%
0.34%
0.19%
0.33%
0.08%
0.04%
0.03%
0.06%
0.61%
0.00%
0.03%
0.08%
0.62%
0.34%
0.64%
1.68%
0.56%
0.83%
0.03%
0.31%
0.01%
0.53%
0.16%
0.11%
$120,947
$455
0.79%
1.05%
219.11%
3.81%
0.40%
$120,522
$390
0.63%
1.03%
234.71%
3.97%
0.33%
Asset Quality
December 31, 2015
As of Date
Delinquent Loans
Region
NPLs / Loans (%)
Loan Loss
Reserves / Gross
Loans (%)
Reserves / NPLs
(%)
NPAs / Equity +
LLRs (%)
Delinquent Loans/
Assets (%)
Institution Name
Northern
UNCLE Credit Union
Regional Average
Southern
Safe 1 Credit Union
USC Credit Union
Regional Average
$327,178
$335,908
$344,509
$361,861
$367,758
$383,740
$403,789
$426,106
$435,383
$455,404
$312
$1,769
$458
$2,521
$200
$1,643
$1,018
$954
$849
$1,714
0.14%
0.93%
0.37%
0.84%
0.10%
0.59%
0.51%
0.57%
0.58%
0.57%
0.37%
0.60%
0.48%
0.34%
0.94%
0.68%
0.85%
1.47%
1.75%
0.69%
265.06%
64.78%
131.88%
40.22%
917.50%
114.79%
168.17%
256.50%
304.48%
119.95%
1.03%
5.74%
0.68%
8.51%
0.58%
5.79%
1.82%
1.06%
2.06%
3.81%
0.10%
0.53%
0.13%
0.70%
0.05%
0.43%
0.25%
0.22%
0.20%
0.38%
$384,164
$1,144
0.52%
0.82%
238.33%
3.11%
0.30%
$260,777
$279,502
$299,676
$313,307
$343,272
$345,279
$358,369
$363,023
$370,303
$404,325
$431,140
$440,790
$446,166
$449,981
$452,728
$453,668
$2,225
$360
$1,562
$544
$162
$666
$1,249
$1,058
$107
$1,242
$2,794
$1,011
$1,526
$1,720
$890
$1,712
1.17%
0.20%
1.90%
0.26%
0.25%
0.39%
0.49%
0.48%
0.15%
0.42%
0.83%
0.42%
0.40%
0.62%
0.37%
0.54%
1.98%
0.97%
0.24%
1.68%
0.45%
0.45%
0.70%
0.48%
0.35%
0.61%
0.47%
0.73%
0.54%
0.63%
1.14%
1.02%
169.75%
486.39%
12.61%
653.68%
181.48%
114.71%
141.15%
100.09%
224.30%
144.85%
56.01%
172.40%
137.55%
101.45%
305.06%
189.78%
10.65%
5.30%
5.39%
4.80%
0.36%
1.55%
3.61%
3.77%
0.31%
2.11%
7.72%
2.76%
4.76%
3.73%
1.03%
4.38%
0.85%
0.13%
0.52%
0.17%
0.05%
0.19%
0.35%
0.29%
0.03%
0.31%
0.65%
0.23%
0.34%
0.38%
0.20%
0.38%
$375,769
$1,177
0.56%
0.78%
199.45%
3.89%
0.32%
$379,966
$1,160
0.54%
0.80%
218.89%
3.50%
0.31%
Asset Quality
December 31, 2015
As of Date
Delinquent Loans
Region
NPLs / Loans (%)
Loan Loss
Reserves / Gross
Loans (%)
Reserves / NPLs
(%)
NPAs / Equity +
LLRs (%)
Delinquent Loans/
Assets (%)
Institution Name
Northern
Southern
Regional Average
Regional Average
$555,484
$616,287
$643,968
$658,477
$756,342
$792,423
$801,363
$858,853
$868,069
$963,571
$999,571
$617
$3,401
$1,701
$235
$4,914
$2,644
$2,164
$2,625
$2,108
$2,381
$1,804
0.21%
0.81%
0.55%
0.13%
1.00%
0.47%
0.45%
0.42%
0.39%
0.49%
0.34%
0.62%
1.88%
0.73%
0.73%
1.01%
1.06%
0.78%
0.46%
0.62%
1.10%
0.51%
295.62%
231.05%
133.10%
574.89%
101.75%
224.58%
172.87%
111.35%
158.54%
222.89%
147.73%
1.05%
5.25%
3.08%
0.34%
7.29%
3.19%
3.96%
3.09%
2.74%
2.02%
1.71%
0.11%
0.55%
0.26%
0.04%
0.65%
0.33%
0.27%
0.31%
0.24%
0.25%
0.18%
$774,037
$2,236
0.48%
0.86%
215.85%
3.07%
0.29%
$542,837
$557,151
$557,237
$562,096
$579,377
$617,016
$623,734
$636,354
$690,917
$703,543
$705,790
$731,197
$732,979
$830,408
$832,475
$837,886
$900,487
$914,350
$942,962
$960,036
$1,179
$2,117
$1,493
$647
$4,206
$5,935
$4,510
$3,798
$3,311
$1,183
$3,992
$1,342
$4,623
$1,489
$1,907
$3,585
$15,938
$7,098
$4,574
$2,627
0.51%
0.89%
0.44%
0.24%
1.09%
1.08%
0.90%
0.94%
0.55%
0.24%
1.05%
0.30%
0.80%
0.28%
0.37%
0.76%
2.45%
0.90%
0.59%
0.59%
0.68%
1.42%
0.99%
0.71%
1.18%
1.29%
1.44%
1.19%
1.25%
0.33%
0.48%
0.53%
0.80%
0.40%
1.38%
0.92%
2.58%
1.28%
0.40%
2.95%
132.15%
160.23%
223.51%
291.65%
107.68%
119.36%
161.29%
126.17%
227.76%
140.49%
45.99%
178.02%
100.09%
141.57%
374.15%
121.59%
105.53%
142.39%
67.73%
502.66%
2.77%
4.26%
3.00%
1.08%
7.20%
14.09%
6.19%
5.94%
3.30%
2.00%
7.38%
1.48%
7.25%
1.41%
2.27%
3.41%
31.56%
8.19%
6.34%
2.08%
0.22%
0.38%
0.27%
0.12%
0.73%
0.96%
0.72%
0.60%
0.48%
0.17%
0.57%
0.18%
0.63%
0.18%
0.23%
0.43%
1.77%
0.78%
0.49%
0.27%
$722,942
$3,778
0.75%
1.11%
173.50%
6.06%
0.51%
$748,489
$3,007
0.61%
0.99%
194.68%
4.56%
0.40%
Asset Quality
December 31, 2015
As of Date
Delinquent Loans
Region
NPLs / Loans (%)
Loan Loss
Reserves / Gross
Loans (%)
Reserves / NPLs
(%)
NPAs / Equity +
LLRs (%)
Delinquent Loans/
Assets (%)
Institution Name
Northern
SAFE Credit Union
Travis Credit Union
Southern
Altura Credit Union
Regional Average
Regional Average
$1,006,689
$1,118,482
$1,124,847
$1,160,157
$1,224,934
$1,615,040
$1,894,472
$2,065,690
$2,124,975
$2,289,307
$2,500,851
$2,518,249
$2,748,259
$2,827,950
$4,741,982
$7,857,994
$8,649,723
$9,676,953
$2,798
$668
$5,445
$2,847
$5,374
$3,027
$1,746
$2,459
$673
$6,666
$4,587
$6,793
$6,371
$10,342
$34,038
$1,054
$20,949
$29,976
0.33%
0.15%
0.67%
0.56%
0.60%
0.35%
0.16%
0.19%
0.05%
0.46%
0.45%
0.42%
0.29%
0.50%
1.06%
0.03%
0.34%
0.52%
0.43%
0.27%
0.70%
0.50%
0.87%
0.64%
0.70%
0.88%
0.34%
1.12%
1.04%
0.74%
0.24%
0.79%
1.06%
0.13%
0.42%
0.71%
127.48%
188.32%
104.55%
90.76%
146.61%
184.14%
447.94%
474.71%
619.02%
242.45%
233.12%
176.03%
83.47%
159.94%
100.00%
385.10%
122.19%
136.82%
3.34%
0.45%
6.13%
2.53%
6.00%
2.03%
0.94%
1.12%
0.44%
4.41%
1.67%
2.40%
2.23%
3.05%
6.12%
0.13%
2.62%
2.86%
0.28%
0.06%
0.48%
0.25%
0.44%
0.19%
0.09%
0.12%
0.03%
0.29%
0.18%
0.27%
0.23%
0.37%
0.72%
0.01%
0.24%
0.31%
$3,174,809
$8,101
0.40%
0.64%
223.48%
2.69%
0.25%
$1,000,880
$1,013,355
$1,056,588
$1,081,461
$1,154,495
$1,182,284
$1,218,616
$1,237,810
$1,311,908
$1,345,310
$1,376,641
$1,397,949
$1,415,713
$1,455,167
$1,463,540
$2,015,035
$2,147,551
$2,173,990
$2,863,597
$3,007,815
$3,800,424
$4,230,821
$7,168,553
$11,745,352
$3,421
$3,354
$2,397
$2,052
$3,810
$4,758
$2,017
$3,828
$3,807
$3,213
$3,788
$625
$12,355
$1,030
$8,382
$7,283
$11,476
$13,706
$2,924
$7,001
$14,214
$20,489
$17,407
$32,266
0.76%
0.71%
0.27%
0.25%
0.56%
0.57%
0.24%
0.55%
0.48%
0.38%
0.41%
0.18%
1.02%
0.36%
0.79%
0.50%
0.77%
0.95%
0.16%
0.41%
0.43%
0.57%
0.35%
0.56%
1.00%
0.44%
0.53%
0.49%
1.03%
0.62%
0.42%
0.81%
0.69%
0.78%
0.63%
0.88%
1.14%
0.74%
0.70%
0.73%
1.46%
0.77%
0.61%
1.14%
0.87%
1.61%
0.79%
0.98%
131.45%
61.51%
198.50%
193.08%
186.27%
109.08%
176.20%
147.39%
144.63%
203.77%
155.52%
503.36%
111.50%
203.59%
88.50%
146.62%
191.00%
80.79%
377.46%
275.33%
200.51%
282.28%
227.18%
174.60%
3.39%
3.11%
2.17%
1.98%
5.21%
3.89%
1.39%
3.19%
3.22%
2.69%
3.96%
0.42%
7.96%
0.48%
8.55%
2.96%
5.37%
7.84%
1.11%
4.05%
4.55%
3.31%
1.70%
2.43%
0.34%
0.33%
0.23%
0.19%
0.33%
0.40%
0.17%
0.31%
0.29%
0.24%
0.28%
0.04%
0.87%
0.07%
0.57%
0.36%
0.53%
0.63%
0.10%
0.23%
0.37%
0.48%
0.24%
0.27%
$2,411,036
$7,733
0.51%
0.83%
190.42%
3.54%
0.33%
$2,792,922
$7,917
0.45%
0.74%
206.95%
3.12%
0.29%
Net Worth
December 31, 2015
Net Worth
As of Date
Total Assets ($000)
Region
Total Net Worth
($000)
Net Worth/
Assets (%)
Net Worth
Growth (Decline) YTD (%)
Total Delinquent
Lns/ Net Worth (%)
Classified Assets/
Net Worth (%)
Institution Name
Northern
Merco Credit Union
CAHP Credit Union
Southern
Nikkei Credit Union
Regional Average
$57,661
$58,813
$59,794
$63,289
$64,551
$65,747
$66,399
$68,168
$69,521
$70,108
$71,424
$79,136
$82,150
$82,204
$85,357
$86,361
$87,745
$91,454
$97,339
$97,418
$102,282
$107,203
$109,496
$113,247
$121,027
$124,168
$127,540
$131,826
$133,023
$134,448
$137,617
$157,706
$170,011
$187,906
$200,878
$214,066
$214,954
$216,155
$224,035
$242,018
$249,725
$5,870
$7,259
$6,917
$11,752
$5,816
$8,975
$6,353
$5,383
$9,561
$7,749
$9,035
$7,196
$8,035
$7,109
$8,370
$6,624
$6,476
$15,866
$8,164
$8,893
$8,948
$8,912
$18,536
$7,524
$13,213
$10,786
$17,582
$21,657
$13,100
$13,367
$11,820
$13,783
$14,081
$17,177
$20,025
$16,330
$28,865
$16,658
$31,159
$25,071
$19,991
10.18%
12.34%
11.57%
18.57%
9.01%
13.65%
9.57%
7.90%
13.75%
11.05%
12.65%
9.09%
9.78%
8.65%
9.81%
7.67%
7.38%
17.35%
8.39%
9.13%
8.75%
8.31%
16.93%
6.64%
10.92%
8.69%
13.79%
16.43%
9.85%
9.94%
8.59%
8.74%
8.28%
9.14%
9.97%
7.63%
13.43%
7.71%
13.91%
10.36%
8.01%
3.78%
3.38%
2.61%
2.62%
5.27%
6.48%
2.30%
4.50%
2.09%
7.61%
1.11%
6.99%
(3.24%)
2.18%
11.39%
1.33%
2.57%
4.55%
(0.45%)
8.45%
2.23%
4.05%
2.52%
(3.41%)
2.91%
3.16%
3.75%
2.19%
1.45%
13.76%
4.22%
14.99%
2.86%
11.13%
2.33%
(1.94%)
2.79%
7.76%
5.03%
11.58%
4.18%
0.32%
1.65%
0.74%
0.00%
1.36%
0.00%
1.42%
3.25%
0.86%
0.00%
0.03%
0.24%
4.32%
6.43%
2.20%
0.48%
9.87%
2.67%
0.36%
0.67%
2.40%
29.67%
0.38%
7.18%
0.30%
2.73%
0.59%
0.95%
2.98%
1.58%
2.38%
1.66%
2.89%
3.06%
3.69%
1.95%
0.90%
6.22%
3.75%
2.72%
0.68%
2.28%
10.22%
1.34%
1.86%
3.13%
14.26%
1.46%
7.26%
2.71%
5.50%
6.30%
4.53%
1.26%
0.72%
3.39%
1.66%
8.34%
2.63%
0.96%
3.36%
3.98%
21.93%
6.52%
7.11%
2.04%
10.74%
1.27%
3.81%
7.62%
4.10%
4.89%
4.65%
9.24%
3.27%
4.84%
4.18%
1.79%
8.15%
5.09%
5.76%
2.72%
$120,097
$12,439
10.57%
4.22%
2.82%
5.05%
$52,296
$52,856
$53,105
$62,216
$62,939
$62,979
$64,957
$64,994
$65,410
$66,013
$66,412
$3,894
$5,965
$5,384
$8,265
$9,596
$5,105
$12,363
$8,284
$8,008
$4,791
$10,617
7.45%
11.29%
10.14%
13.28%
15.25%
8.11%
19.03%
12.75%
12.24%
7.26%
15.99%
4.09%
7.77%
2.05%
5.88%
2.42%
8.04%
(1.52%)
11.84%
2.27%
9.31%
8.26%
4.83%
0.10%
0.00%
6.24%
0.72%
4.27%
15.62%
0.28%
0.85%
1.84%
2.78%
29.30%
11.84%
4.61%
5.98%
1.05%
3.82%
1.51%
3.68%
3.20%
7.56%
2.64%
Net Worth Page 21 of 27
December 31, 2015
Net Worth
As of Date
Total Assets ($000)
Region
Total Net Worth
($000)
Net Worth/
Assets (%)
Net Worth
Total Delinquent
Lns/ Net Worth (%)
Classified Assets/
Net Worth (%)
Institution Name
JACOM Credit Union
Fiscal Credit Union
Regional Average
$66,629
$67,546
$68,381
$71,128
$72,475
$74,778
$76,283
$78,351
$84,834
$84,942
$86,235
$88,919
$90,100
$92,485
$95,625
$97,167
$97,526
$104,550
$109,797
$111,539
$111,583
$117,697
$118,238
$119,277
$126,190
$137,174
$139,396
$141,012
$143,156
$149,915
$157,495
$158,148
$171,629
$172,439
$175,377
$178,724
$179,456
$186,374
$186,397
$194,038
$196,510
$222,071
$222,407
$224,102
$224,571
$226,515
$241,567
$6,353
$10,480
$5,993
$4,447
$5,441
$11,094
$9,420
$11,043
$9,770
$9,189
$11,336
$7,024
$7,314
$7,171
$10,118
$10,996
$8,619
$9,187
$14,435
$16,369
$7,868
$11,838
$9,461
$10,426
$13,918
$12,704
$33,597
$14,402
$11,624
$15,932
$14,070
$27,873
$31,190
$22,558
$15,876
$18,905
$13,642
$27,351
$22,542
$23,217
$25,510
$26,452
$18,625
$22,776
$30,188
$18,779
$25,683
9.53%
15.52%
8.76%
6.25%
7.51%
14.84%
12.35%
14.09%
11.52%
10.82%
13.15%
7.90%
8.12%
7.75%
10.58%
11.32%
8.84%
8.79%
13.15%
14.68%
7.05%
10.06%
8.00%
8.74%
11.03%
9.26%
24.10%
10.21%
8.12%
10.63%
8.93%
17.62%
18.17%
13.08%
9.05%
10.58%
7.60%
14.68%
12.09%
11.97%
12.98%
11.91%
8.37%
10.16%
13.44%
8.29%
10.63%
10.35%
12.37%
2.73%
2.09%
3.50%
0.38%
0.34%
(0.75%)
14.02%
11.23%
6.95%
(1.00%)
11.04%
2.59%
7.08%
4.76%
2.86%
9.47%
10.72%
4.38%
4.43%
3.82%
(1.06%)
10.43%
2.00%
0.63%
(9.93%)
2.54%
2.36%
0.99%
4.71%
4.34%
7.15%
(3.46%)
9.36%
16.01%
1.97%
4.24%
11.98%
3.87%
10.13%
4.38%
8.66%
2.16%
4.19%
4.01%
3.14%
2.69%
0.21%
9.69%
2.11%
3.03%
7.89%
6.14%
1.06%
1.24%
7.61%
7.58%
11.36%
0.45%
0.21%
0.76%
1.61%
2.66%
3.62%
0.00%
8.00%
12.18%
4.54%
1.89%
1.50%
3.05%
2.05%
1.36%
0.74%
0.48%
0.24%
0.65%
3.44%
0.02%
0.20%
0.88%
5.85%
4.46%
4.33%
13.88%
4.67%
6.41%
0.23%
3.67%
0.07%
3.93%
1.94%
1.05%
2.74%
3.04%
6.86%
4.81%
9.02%
3.93%
0.74%
0.91%
4.02%
9.20%
9.63%
1.65%
1.82%
3.72%
2.40%
5.34%
2.49%
7.90%
4.02%
10.31%
6.30%
17.05%
3.01%
3.01%
6.82%
1.99%
0.97%
1.99%
4.93%
0.77%
4.43%
6.55%
5.66%
1.89%
1.66%
3.79%
4.24%
4.22%
9.52%
1.49%
13.63%
0.52%
4.35%
0.54%
3.80%
3.14%
5.05%
$120,947
$13,708
11.29%
4.98%
3.43%
5.02%
$120,522
$13,073
10.93%
4.60%
3.13%
5.03%
December 31, 2015
Net Worth
As of Date
Total Assets ($000)
Region
Total Net Worth
($000)
Net Worth/
Assets (%)
Net Worth
Total Delinquent
Lns/ Net Worth (%)
Classified Assets/
Net Worth (%)
Institution Name
Northern
UNCLE Credit Union
Regional Average
Southern
Safe 1 Credit Union
USC Credit Union
Regional Average
$327,178
$335,908
$344,509
$361,861
$367,758
$383,740
$403,789
$426,106
$435,383
$455,404
$32,706
$34,338
$66,632
$32,767
$34,904
$32,712
$54,280
$87,530
$42,385
$42,981
10.00%
10.22%
19.34%
9.06%
9.49%
8.52%
13.44%
20.54%
9.74%
9.44%
5.84%
22.81%
3.39%
8.35%
5.80%
9.47%
8.29%
0.65%
9.39%
6.69%
0.95%
5.15%
0.69%
7.69%
0.57%
5.02%
1.88%
1.09%
2.00%
3.99%
2.53%
3.34%
0.91%
3.09%
5.26%
5.77%
3.15%
2.80%
6.10%
4.78%
$384,164
$46,124
11.98%
8.07%
2.90%
3.77%
$260,777
$279,502
$299,676
$313,307
$343,272
$345,279
$358,369
$363,023
$370,303
$404,325
$431,140
$440,790
$446,166
$449,981
$452,728
$453,668
$22,914
$23,527
$31,967
$30,060
$44,624
$42,579
$39,414
$29,263
$35,336
$64,821
$35,007
$42,340
$38,489
$48,470
$96,117
$35,836
8.79%
8.42%
10.67%
9.59%
13.00%
12.33%
11.00%
8.06%
9.54%
16.03%
8.12%
9.61%
8.63%
10.77%
21.23%
7.90%
9.01%
7.79%
4.64%
10.08%
6.55%
10.58%
9.07%
(2.43%)
3.16%
6.86%
6.49%
6.35%
5.10%
4.53%
6.10%
6.88%
9.71%
1.53%
4.89%
1.81%
0.36%
1.56%
3.17%
3.62%
0.30%
1.92%
7.98%
2.39%
3.96%
3.55%
0.93%
4.78%
16.48%
7.44%
0.62%
11.83%
0.66%
1.79%
4.47%
3.62%
0.68%
2.78%
4.47%
4.12%
5.45%
3.60%
2.82%
9.07%
$375,769
$41,298
10.86%
6.30%
3.28%
4.99%
$379,966
$43,711
11.42%
7.18%
3.09%
4.38%
December 31, 2015
Net Worth
As of Date
Total Assets ($000)
Region
Total Net Worth
($000)
Net Worth/
Assets (%)
Net Worth
Total Delinquent
Lns/ Net Worth (%)
Classified Assets/
Net Worth (%)
Institution Name
Northern
Southern
Regional Average
Regional Average
$555,484
$616,287
$643,968
$658,477
$756,342
$792,423
$801,363
$858,853
$868,069
$963,571
$999,571
$57,687
$69,309
$56,901
$68,546
$65,086
$90,736
$116,361
$90,751
$83,979
$133,865
$102,837
10.38%
11.25%
8.84%
10.41%
8.61%
11.45%
14.52%
10.57%
9.67%
13.89%
10.29%
5.86%
8.87%
8.41%
4.98%
11.97%
7.27%
4.26%
5.34%
8.56%
9.87%
5.35%
1.07%
4.91%
2.99%
0.34%
7.55%
2.91%
1.86%
2.89%
2.51%
1.78%
1.75%
3.16%
11.34%
3.98%
1.97%
7.68%
6.54%
3.21%
3.22%
3.98%
3.96%
2.59%
$774,037
$85,096
10.90%
7.34%
2.78%
4.69%
$542,837
$557,151
$557,237
$562,096
$579,377
$617,016
$623,734
$636,354
$690,917
$703,543
$705,790
$731,197
$732,979
$830,408
$832,475
$837,886
$900,487
$914,350
$942,962
$960,036
$49,890
$48,126
$56,813
$66,184
$64,554
$59,208
$72,549
$62,725
$93,896
$68,883
$63,359
$104,241
$66,091
$103,575
$78,197
$101,758
$60,250
$80,653
$80,087
$134,560
9.19%
8.64%
10.20%
11.77%
11.14%
9.60%
11.63%
9.86%
13.59%
9.79%
8.98%
14.26%
9.02%
12.47%
9.39%
12.14%
6.69%
8.82%
8.49%
14.02%
10.69%
8.89%
7.34%
4.12%
2.85%
4.13%
5.35%
4.87%
6.99%
8.05%
10.46%
4.56%
5.71%
2.19%
5.37%
3.00%
(19.38%)
12.97%
(0.70%)
16.42%
2.36%
4.40%
2.63%
0.98%
6.52%
10.02%
6.22%
6.06%
3.53%
1.72%
6.30%
1.29%
6.99%
1.44%
2.44%
3.52%
26.45%
8.80%
5.71%
1.95%
3.12%
7.05%
5.87%
2.85%
7.02%
11.96%
10.03%
7.64%
8.03%
2.41%
2.90%
2.29%
7.00%
2.04%
9.12%
4.28%
27.92%
12.53%
3.87%
9.81%
$722,942
$75,780
10.48%
5.19%
5.47%
7.39%
$748,489
$80,438
10.69%
6.27%
4.12%
6.04%
December 31, 2015
Net Worth
As of Date
Total Assets ($000)
Region
Total Net Worth
($000)
Net Worth/
Assets (%)
Net Worth
Total Delinquent
Lns/ Net Worth (%)
Classified Assets/
Net Worth (%)
Institution Name
Northern
SAFE Credit Union
Travis Credit Union
Southern
Altura Credit Union
Regional Average
Regional Average
$1,006,689
$1,118,482
$1,124,847
$1,160,157
$1,224,934
$1,615,040
$1,894,472
$2,065,690
$2,124,975
$2,289,307
$2,500,851
$2,518,249
$2,748,259
$2,827,950
$4,741,982
$7,857,994
$8,649,723
$9,676,953
$83,922
$148,317
$90,270
$131,396
$110,434
$167,906
$177,790
$212,553
$250,573
$216,986
$316,451
$301,194
$293,373
$331,086
$552,002
$856,790
$812,777
$1,132,490
8.34%
13.26%
8.03%
11.33%
9.02%
10.40%
9.38%
10.29%
11.79%
9.48%
12.65%
11.96%
10.67%
11.71%
11.64%
10.90%
9.40%
11.70%
8.26%
4.55%
13.63%
7.78%
6.77%
8.61%
12.18%
8.46%
6.90%
4.53%
8.82%
7.27%
9.94%
17.06%
5.79%
7.13%
13.50%
6.59%
3.33%
0.45%
6.03%
2.17%
4.87%
1.80%
0.98%
1.16%
0.27%
3.07%
1.45%
2.26%
2.17%
3.12%
6.17%
0.12%
2.58%
2.65%
4.25%
0.85%
6.31%
1.97%
7.13%
3.32%
4.40%
5.49%
1.66%
7.45%
3.38%
3.97%
1.81%
5.00%
6.17%
0.47%
3.15%
3.62%
$3,174,809
$343,684
10.66%
8.77%
2.48%
3.91%
$1,000,880
$1,013,355
$1,056,588
$1,081,461
$1,154,495
$1,182,284
$1,218,616
$1,237,810
$1,311,908
$1,345,310
$1,376,641
$1,397,949
$1,415,713
$1,455,167
$1,463,540
$2,015,035
$2,147,551
$2,173,990
$2,863,597
$3,007,815
$3,800,424
$4,230,821
$7,168,553
$11,745,352
$127,536
$118,957
$105,693
$104,414
$122,862
$132,895
$169,495
$116,932
$127,193
$138,498
$168,656
$139,401
$164,082
$217,310
$154,010
$233,707
$209,224
$203,712
$349,787
$250,384
$310,973
$703,508
$993,601
$1,356,112
12.74%
11.74%
10.00%
9.65%
10.64%
11.24%
13.91%
9.45%
9.70%
10.29%
12.25%
9.97%
11.59%
14.93%
10.52%
11.60%
9.74%
9.37%
12.21%
8.32%
8.18%
16.63%
13.86%
11.55%
7.90%
4.03%
6.14%
20.28%
35.61%
8.71%
6.44%
7.22%
10.16%
5.04%
4.92%
7.88%
12.02%
7.88%
6.25%
9.94%
24.95%
5.08%
10.05%
10.12%
5.33%
9.16%
9.70%
8.07%
2.68%
2.82%
2.27%
1.97%
3.10%
3.58%
1.19%
3.27%
2.99%
2.32%
2.25%
0.45%
7.53%
0.47%
5.44%
3.12%
5.49%
6.73%
0.84%
2.80%
4.57%
2.91%
1.75%
2.38%
3.53%
1.73%
4.50%
3.79%
5.78%
3.91%
2.10%
4.83%
4.33%
4.73%
3.49%
2.26%
8.40%
0.96%
4.82%
4.57%
10.48%
5.44%
3.16%
7.70%
9.16%
8.22%
3.98%
4.15%
$2,411,036
$279,956
11.25%
10.12%
3.04%
4.83%
$2,792,922
$311,820
10.96%
9.44%
2.76%
4.37%
Definitions
Definitions
Total Assets
All assets owned by the company as of the date indicated, as carried on the balance sheet and defined under the indicated accounting principles.
Net Income (Loss)
Net Interest Income After Provision for Loan and Lease Losses plus Non-Interest Income Less Total Non-Interest Expense.
Return on Avg Assets (%)
Return on Average Assets; Net Income/ Average Total Assets.
Return on Avg Net Worth (%)
Return on Average Equity; Net Income/ Average Total Equity.
Oper Exp/ Oper Rev (%)
Noninterest Expense/ Net Interest Income + Noninterest Income.
Salary & Benefits/ Employees
Employee Compensation and Benefits / Full-Time Employees at end of period.
Total Lns & Leases
Total of all loans outstanding, excluding loans to other credit unions.
Total Shares & Deposits
Sum of all shares and non-member deposits.
Total Loans/ Total Shares (%)
Total Loans / Total Shares.
Assets / FTE Employees
Assets / Full-Time Employees at the end of the period.
Yield on Avg Assets (%)
Total Interest Income/Average Assets.
Interest Expense/ Avg Assets (%)
Total interest expense divided by average assets.
Net Interest Margin/ Avg Assets (%)
Net Interest Income Before Provisions / Average Assets.
Asset Growth Rate (%)
Growth in total assets. Annualized: [(Current Period Total Assets - Previous Period Total Assets) / Previous Period Total Assets]
Market Growth Rate (%)
Growth in deposits. Annualized: [(Current Period Shares - Prior Period End Shares) / Prior Period End Shares].
Delinquent Loans => 2 months
Loans that are delinquent at least two months (60 days or more).
NPLs / Loans (%)
Total Nonperforming Loans (Delinquent) / Total Loans & Leases (Net of Unearned Income & Gross of Reserve).
Loan Loss Reserves / Gross Loans (%)
Total Loan Loss and Allocated Transfer Risk Reserves / Total Loans & Leases (Net of Unearned Income & Gross of Reserve)
Reserves / NPLs (%)
Loan loss reserves as a percent of Nonperforming Loans.
NPAs / Equity + LLRs (%)
Nonperforming assets (loans delinquent at least 60 days and other real estate owned) as a percent of equity and loan loss reserves.
Delinquent Loans / Assets (%)
Total Delinquent Loans More Than 2 Months / Total Assets.
Total Net Worth
Sum of Undivided Earnings, Regular Reserves, Appropriation for Non-Conforming Investments, Other Reserves, Uninsured Secondary Capital, Net Income.
Net Worth/ Assets (%)
Net Worth/ Total Assets.
Net Worth Growth (Decline) - YTD (%)
(Current Net Worth - Prior Period Net Worth)/ Prior Period Net Worth.
Total Delinquent Lns / Net Worth (%)
Total Delinquent Loans / Net Worth.
Classified Assets / Net Worth (%)
Classified Assets (Allowance for Loan Losses+Appropriation for Non-Conforming Investments) / Net Worth.
Definitions Page 27 of 27

2015-12-31 - Credit Union Index

Transcription

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