2015-09-30 - Region 1 Credit Union Index 1

2015-09-30 - Region 1 Credit Union Index 1

Credit Union Index
An Analysis of ACUIA Region 1 Credit Unions
An Analysis of Region 1 Credit Unions
Asset Size Definition:
ACUIA Region 1 – States Included in the Data:
GROUP A
GROUP B
GROUP C
GROUP D
Alaska
Idaho
Montana
Oregon
Washington
Wyoming
$1 billion and over
$501 million-$1 billion
$251 million-$500 million
$50 million-$250 million
Data as of September 30, 2015
RUN DATE
November 7, 2015
An Analysis of ACUIA Region 1 Credit Unions
Performance Analysis
September 30, 2015
Performance Analysis
As of Date
Total Assets
($000)
Region
Run Date: November 7, 2015
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)
72.32%
$89
$39,539
Return on Avg
Assets (%)
Return on
Avg Net Worth (%)
Oper Exp/ Oper
Rev (%)
Salary&Benefits/
Employees ($000)
0.89%
12.87%
77.41%
$89
Institution Name
Asset Group A - $1 billion and over in total assets
Alaska
Alaska USA Federal Credit Union
Idaho
Idaho Central Credit Union
Montana
Whitefish Credit Union Association
Oregon
OnPoint Community Credit Union
Oregon Community Credit Union
SELCO Community Credit Union
Advantis Credit Union
Rogue Credit Union
State Average
State Average
State Average
State Average
Washington
Boeing Employees Credit Union
Washington State Employees Credit Union
Spokane Teachers Credit Union
Numerica Credit Union
Gesa Credit Union
HAPO Community Credit Union
Sound Credit Union
Whatcom Educational Credit Union
Harborstone Credit Union
Columbia Community Credit Union
Inspirus Credit Union
Kitsap Credit Union
TwinStar Credit Union
State Average
Regional Average of Asset Group A
$6,309,167
$16,404
1.07%
15.68%
$6,309,167
$16,404
1.07%
15.68%
72.32%
$89
$39,539
0.89%
12.87%
77.41%
$89
$2,267,420
$10,589
1.92%
23.47%
59.62%
$70
$27,703
1.79%
21.66%
61.47%
$65
$2,267,420
$10,589
1.92%
23.47%
59.62%
$70
$27,703
1.79%
21.66%
61.47%
$65
$1,291,112
$2,862
0.89%
7.55%
58.49%
$67
$9,436
0.98%
8.39%
70.66%
$71
$1,291,112
2,862.00
0.89%
7.55%
58.49%
$67
$9,436
0.98%
8.39%
70.66%
$71
$3,838,024
$1,382,620
$1,272,585
$1,206,719
$1,044,782
$10,586
$2,197
$3,686
$2,138
$4,911
1.12%
0.64%
1.17%
0.71%
1.92%
9.96%
7.68%
11.06%
6.71%
19.65%
70.82%
74.43%
66.96%
71.04%
60.57%
$93
$74
$66
$78
$69
$36,410
$8,218
$10,687
$8,831
$13,102
1.31%
0.82%
1.15%
0.99%
1.76%
11.74%
9.84%
10.94%
9.46%
18.15%
68.27%
72.48%
70.03%
65.98%
61.43%
$90
$72
$70
$75
$65
$1,748,946
$4,704
1.11%
11.01%
68.76%
$76
$15,450
1.21%
12.03%
67.64%
$74
$13,878,323
$2,331,518
$2,142,131
$1,538,256
$1,536,348
$1,341,980
$1,208,154
$1,173,759
$1,130,179
$1,102,955
$1,049,327
$1,017,566
$1,007,292
$48,317
$7,905
$4,419
$4,531
$3,093
$2,599
$3,813
$3,186
$2,203
$3,133
$1,303
$2,834
$1,858
1.41%
1.37%
0.83%
1.20%
0.81%
0.79%
1.27%
1.10%
0.79%
1.16%
0.50%
1.12%
0.75%
13.55%
12.90%
7.48%
10.83%
8.65%
10.12%
11.02%
6.66%
6.78%
9.72%
4.92%
11.15%
7.31%
59.48%
64.03%
71.40%
66.90%
69.70%
74.63%
68.14%
73.75%
73.15%
73.94%
79.96%
71.27%
76.02%
$93
$84
$68
$78
$67
$78
$75
$73
$78
$68
$98
$60
$74
$147,019
$19,301
$17,707
$12,065
$11,648
$7,686
$12,340
$10,804
$5,481
$8,448
$4,058
$7,655
$5,693
1.44%
1.13%
1.13%
1.09%
1.04%
0.80%
1.38%
1.28%
0.65%
1.06%
0.52%
1.02%
0.78%
14.21%
10.80%
10.26%
9.84%
11.17%
10.19%
12.24%
7.66%
5.70%
8.94%
5.18%
10.24%
7.63%
57.07%
65.02%
69.79%
68.06%
67.31%
74.70%
67.77%
71.18%
75.07%
74.98%
77.19%
74.72%
77.74%
$89
$87
$66
$75
$65
$77
$79
$70
$78
$67
$94
$61
$74
$2,342,907
$6,861
1.01%
9.31%
70.95%
$76
$20,762
1.02%
9.54%
70.82%
$76
$2,791,910
$8,284
1.20%
13.41%
66.03%
$76
$22,578
1.18%
12.90%
69.60%
$75
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
September 30, 2015
Performance Analysis
As of Date
Total Assets
($000)
Region
Run Date: November 7, 2015
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 (%)
75.87%
76.70%
$70
$73
$4,496
$4,945
0.65%
1.13%
Return on
Avg Net Worth (%)
Oper Exp/ Oper
Rev (%)
Salary&Benefits/
Employees ($000)
5.47%
13.55%
76.23%
80.51%
$70
$70
Institution Name
Asset Group B - $501 million to $1 billion in total assets
Alaska
Credit Union 1
Denali Alaskan Federal Credit Union
Idaho
Potlatch No. One Federal Credit Union
Westmark Credit Union
Oregon
Northwest Community Credit Union
Unitus Community Credit Union
Oregon State Credit Union
First Community Credit Union
Rivermark Community Credit Union
Marion and Polk Schools Credit Union
Washington
Fibre Federal Credit Union
IQ Credit Union
Horizon Credit Union
Seattle Metropolitan Credit Union
Red Canoe Credit Union
Solarity Credit Union
State Average
State Average
State Average
State Average
Wyoming
Warren Federal Credit Union
State Average
Regional Average of Asset Group B
$924,792
$577,955
$1,447
$2,559
0.63%
1.74%
5.23%
20.24%
$751,374
$2,003
1.19%
12.74%
76.29%
$72
$4,721
0.89%
9.51%
78.37%
$70
$776,527
$620,479
$2,050
$885
1.06%
0.57%
11.41%
6.36%
70.41%
77.00%
$69
$63
$6,348
$2,424
1.14%
0.53%
12.08%
5.90%
0.00%
0.00%
$65
$62
$698,503
$1,468
0.82%
8.89%
73.71%
$66
$4,386
0.84%
8.99%
0.00%
$64
$976,142
$971,815
$962,440
$878,434
$694,694
$542,272
$691
$2,399
$2,237
$1,695
$3,270
$1,267
0.29%
0.99%
0.94%
0.78%
1.93%
0.94%
2.93%
9.73%
8.44%
7.78%
21.13%
12.20%
87.26%
71.89%
74.81%
77.07%
64.84%
78.91%
$75
$89
$84
$56
$72
$49
$5,069
$6,858
$6,638
$4,185
$6,155
$4,354
0.72%
0.96%
0.94%
0.65%
1.26%
1.11%
7.29%
9.49%
8.54%
6.51%
13.70%
14.41%
80.57%
74.12%
73.24%
80.83%
71.22%
77.80%
$73
$88
$82
$58
$72
$48
$837,633
$1,927
0.98%
10.37%
75.80%
$71
$5,543
0.94%
9.99%
76.30%
$70
$920,476
$798,615
$709,250
$674,818
$650,318
$601,878
$1,332
$1,610
$1,405
$930
$1,061
$1,939
0.58%
0.82%
0.79%
0.57%
0.65%
1.31%
4.52%
9.48%
7.23%
5.63%
5.30%
9.16%
83.82%
73.35%
76.44%
85.29%
86.61%
67.86%
$83
$63
$67
$84
$84
$72
$2,688
$5,058
$2,494
$2,354
$2,893
$6,726
0.42%
0.87%
0.48%
0.49%
0.59%
1.55%
3.06%
10.17%
4.42%
4.80%
4.88%
10.88%
86.59%
76.41%
83.46%
86.61%
85.45%
63.49%
$77
$63
$67
$83
$78
$68
$725,893
$1,380
0.79%
6.89%
78.90%
$76
$3,702
0.73%
6.37%
80.34%
$73
$573,208
$1,812
1.29%
13.15%
67.47%
$65
$5,207
1.26%
13.03%
66.97%
$62
$573,208
$1,812
1.29%
13.15%
67.47%
$65
$5,207
1.26%
13.03%
66.97%
$62
$717,322
$1,718
1.01%
10.41%
74.43%
$70
$4,712
0.93%
9.58%
60.39%
$68
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 3 of 27
September 30, 2015
Performance Analysis
As of Date
Total Assets
($000)
Region
Run Date: November 7, 2015
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 (%)
$73
$3,000
0.93%
Return on
Avg Net Worth (%)
Oper Exp/ Oper
Rev (%)
Salary&Benefits/
Employees ($000)
8.42%
74.65%
$70
Institution Name
Asset Group C - $251 to $500 million in total assets
Alaska
Matanuska Valley Federal Credit Union
Idaho
Capital Educators Federal Credit Union
Pioneer Federal Credit Union
East Idaho Credit Union
Montana
Missoula Federal Credit Union
Oregon
Oregonians Federal Credit Union
Clackamas Community Federal Credit Union
State Average
State Average
State Average
State Average
Washington
America's Federal Credit Union
Verity Credit Union
Salal Credit Union
Qualstar Credit Union
Global Credit Union
Tapco Credit Union
Our Community Credit Union
Cascade Federal Credit Union
State Average
Wyoming
Meridian Trust Federal Credit Union
UniWyo Federal Credit Union
State Average
Regional Average of Asset Group C
$441,446
$1,136
1.04%
9.50%
73.97%
$441,446
$1,136
1.04%
9.50%
73.97%
$73
$3,000
0.93%
8.42%
74.65%
$70
$478,025
$374,086
$257,676
$936
$533
$180
0.79%
0.57%
0.28%
11.17%
6.29%
2.84%
78.08%
78.25%
85.76%
$56
$47
$51
$2,789
$2,284
$622
0.83%
0.83%
0.32%
11.18%
9.18%
3.28%
77.62%
75.51%
86.77%
$53
$46
$51
$369,929
$550
0.55%
6.77%
80.70%
$51
$1,898
0.66%
7.88%
79.97%
$50
$422,964
$559
0.53%
5.27%
80.02%
$54
$2,452
0.79%
7.81%
73.42%
$51
54.00
2,452.00
0.79%
7.81%
73.42%
51.00
$60
$67
$1,381
$1,578
0.61%
0.77%
5.13%
7.58%
78.80%
76.16%
$61
$67
63.50
1,479.50
0.69%
6.36%
77.48%
64.00
422,964.00
559.00
0.53%
5.27%
$303,623
$280,535
$1,061
$518
1.40%
0.75%
11.67%
7.33%
0.80
292,079.00
789.50
1.08%
9.50%
$492,551
$461,184
$417,688
$396,913
$380,849
$315,986
$307,791
$269,790
$1,197
$820
$686
$1,757
$402
$698
$791
$586
0.99%
0.72%
0.67%
1.79%
0.42%
0.89%
1.03%
0.87%
10.48%
7.45%
7.08%
13.42%
4.98%
10.67%
8.44%
7.35%
74.38%
84.78%
74.14%
65.79%
84.43%
77.75%
73.69%
55.76%
$79
$71
$80
$72
$43
$76
$61
$43
$3,238
$2,804
$4,759
$5,189
$558
$1,620
$2,395
$1,640
0.92%
0.83%
1.60%
1.79%
0.20%
0.70%
1.05%
0.82%
9.60%
8.77%
17.19%
13.66%
2.32%
8.50%
8.62%
6.99%
67.86%
79.57%
63.21%
65.45%
92.06%
81.04%
74.03%
61.75%
$72
$71
$80
$70
$51
$75
$61
$57
$380,344
$867
0.92%
8.73%
73.84%
$66
$2,775
0.99%
9.46%
73.12%
$67
$315,677
$268,838
$698
$112
0.89%
0.17%
8.36%
1.61%
70.75%
87.00%
$60
$63
$1,725
$1,106
0.74%
0.56%
7.01%
5.27%
74.00%
78.13%
$60
$59
$292,258
$405
0.53%
4.99%
78.88%
$62
$1,416
0.65%
6.14%
76.07%
$60
$366,503
$718
0.77%
7.46%
76.24%
$61
$2,170
0.78%
7.68%
75.78%
$60
64.56%
75.52%
0.70
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 4 of 27
September 30, 2015
Performance Analysis
As of Date
Total Assets
($000)
Region
Run Date: November 7, 2015
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)
Institution Name
Asset Group D - $50 to $250 million in total assets
Alaska
Spirit of Alaska Federal Credit Union
True North Federal Credit Union
MAC Federal Credit Union
Northern Skies Federal Credit Union
Tongass Federal Credit Union
State Average
Idaho
Icon Credit Union
TruGrocer Federal Credit Union
Beehive Federal Credit Union
Idaho State University Federal Credit Union
Connections Credit Union
Advantage Plus Federal Credit Union
Latah Federal Credit Union
Cottonwood Community Federal Credit Union
Clarity Credit Union
Scenic Falls Federal Credit Union
Kamiah Community Credit Union
Rails West Federal Credit Union
Lewis Clark Credit Union
State Average
Montana
Altana Federal Credit Union
Valley Federal Credit Union of Montana
Montana Federal Credit Union
Park Side Credit Union
Rocky Mountain Credit Union
1st Liberty Federal Credit Union
Helena Community Credit Union
Billings Federal Credit Union
Lincoln County Credit Union
Bear Paw Credit Union
Southwest Montana Community Federal Credit Union
Embark Federal Credit Union
Sky Federal Credit Union
Richland Federal Credit Union
McCone County Federal Credit Union
Russell Country Federal Credit Union
Fergus Federal Credit Union
Daniels-Sheridan Federal Credit Union
State Average
Oregon
Central Willamette Credit Union
NW Priority Credit Union
Mid Oregon Federal Credit Union
Consolidated Federal Credit Union
Wauna Federal Credit Union
St. Helens Community Federal Credit Union
Cascade Community Federal Credit Union
Pacific Crest Federal Credit Union
Pacific NW Federal Credit Union
Providence Federal Credit Union
$144,048
$136,716
$98,289
$90,583
$68,834
$254
$143
$126
$325
$157
0.70%
0.42%
0.52%
1.45%
0.92%
6.42%
5.76%
3.38%
14.08%
12.13%
80.97%
90.09%
66.60%
69.23%
84.98%
$76
$74
$68
$62
$53
$603
$155
$854
$898
$377
0.56%
0.15%
1.17%
1.36%
0.75%
5.14%
2.08%
7.72%
13.37%
9.92%
84.53%
92.70%
68.83%
69.48%
84.96%
$75
$74
$68
$61
$51
$107,694
$201
0.80%
8.35%
78.37%
$67
$577
0.80%
7.65%
80.10%
$66
$248,821
$236,302
$201,620
$153,414
$143,902
$111,704
$83,869
$84,423
$64,350
$64,004
$66,301
$54,676
$55,394
$557
$124
$281
$135
$218
$220
$119
$423
$176
$197
$207
$78
$88
0.90%
0.21%
0.56%
0.35%
0.61%
0.79%
0.56%
2.07%
1.09%
1.24%
1.30%
0.57%
0.64%
7.04%
1.01%
4.84%
3.81%
7.33%
8.42%
7.19%
12.31%
13.39%
16.14%
10.24%
7.25%
6.30%
77.74%
93.72%
84.15%
90.59%
83.42%
88.55%
83.02%
50.46%
77.54%
78.69%
75.53%
81.97%
78.79%
$62
$65
$59
$51
$48
$79
$52
$53
$52
$55
$58
$53
$54
$1,457
$427
$1,115
$795
$213
$498
$211
$1,196
$307
$218
$668
$269
$296
0.80%
0.24%
0.74%
0.69%
0.20%
0.61%
0.34%
1.99%
0.64%
0.46%
1.45%
0.64%
0.74%
6.22%
1.17%
6.50%
7.66%
2.39%
6.47%
4.25%
11.95%
7.96%
5.89%
11.39%
8.51%
7.19%
78.46%
92.64%
79.59%
85.56%
86.32%
90.13%
89.26%
51.36%
77.54%
83.88%
63.50%
82.61%
81.31%
$62
$64
$54
$49
$48
$76
$53
$52
$49
$56
$52
$53
$55
$120,675
$217
0.84%
8.10%
80.32%
$57
$590
0.73%
6.73%
80.17%
$56
$222,850
$211,925
$212,896
$200,439
$183,881
$161,799
$176,391
$126,147
$106,203
$113,393
$102,669
$93,536
$86,548
$86,758
$66,737
$61,920
$60,056
$55,558
$434
$563
$473
$254
$652
($57)
$198
$292
$307
$69
$134
$130
$152
$268
$236
$24
$116
$123
0.77%
1.06%
0.89%
0.51%
1.45%
(0.14%)
0.47%
0.95%
1.16%
0.25%
0.52%
0.55%
0.70%
1.24%
1.42%
0.15%
0.77%
0.89%
6.45%
9.75%
8.90%
4.53%
13.95%
(1.32%)
3.98%
7.89%
6.08%
2.94%
3.77%
4.75%
7.51%
11.51%
12.07%
1.49%
7.16%
5.81%
76.28%
71.63%
75.11%
84.63%
69.38%
97.90%
83.52%
78.83%
58.23%
89.95%
82.59%
81.55%
84.88%
60.84%
62.24%
95.12%
82.17%
89.05%
$64
$56
$51
$53
$71
$53
$52
$80
$49
$60
$49
$52
$54
$64
$74
$52
$62
$60
$1,163
$1,321
$950
$556
$1,427
($61)
$598
$935
$932
$172
$93
$358
$402
$740
$470
$135
$298
$247
0.69%
0.83%
0.60%
0.38%
1.10%
(0.05%)
0.49%
1.02%
1.18%
0.22%
0.12%
0.50%
0.61%
1.10%
0.94%
0.29%
0.66%
0.58%
5.87%
7.78%
6.05%
3.33%
10.45%
(0.47%)
4.14%
8.61%
6.25%
2.45%
0.87%
4.41%
6.73%
10.87%
8.15%
2.82%
6.22%
3.92%
81.35%
75.11%
79.91%
88.76%
75.15%
96.34%
84.62%
77.93%
56.67%
91.62%
94.44%
85.93%
87.16%
62.08%
68.56%
90.90%
80.62%
86.65%
$69
$56
$51
$55
$68
$53
$49
$76
$46
$59
$48
$52
$53
$63
$75
$47
$61
$64
$129,428
$243
0.76%
6.51%
79.11%
$59
$596
0.63%
5.47%
81.32%
$58
$238,785
$232,069
$213,335
$192,104
$187,764
$182,295
$178,320
$153,009
$147,285
$125,289
$486
$115
$488
$366
$410
$379
$395
$319
$232
$236
0.82%
0.20%
0.93%
0.77%
0.88%
0.84%
0.89%
0.83%
0.64%
0.76%
9.13%
1.65%
10.19%
5.21%
10.32%
11.19%
6.94%
9.76%
7.78%
6.34%
76.94%
88.70%
78.37%
83.49%
81.02%
90.20%
73.08%
86.63%
87.43%
76.86%
$61
$65
$64
$111
$69
$68
$61
$58
$77
$64
$1,275
$279
$1,281
$1,130
$1,055
$110
$949
$545
$813
$559
0.72%
0.16%
0.84%
0.80%
0.78%
0.08%
0.72%
0.48%
0.76%
0.61%
8.14%
1.34%
9.15%
5.44%
9.02%
1.09%
5.64%
5.63%
9.30%
5.07%
80.65%
89.57%
78.09%
83.23%
82.80%
92.51%
76.90%
88.93%
83.06%
79.73%
$63
$65
$64
$108
$64
$70
$62
$58
$70
$66
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 5 of 27
September 30, 2015
Performance Analysis
As of Date
Total Assets
($000)
Region
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)
$58
$69
$52
$55
$68
$55
$59
$54
$75
$79
$87
$63
$58
$70
$122
$465
$841
$569
$302
$570
$227
$726
$217
$409
$89
$278
$432
$45
Return on Avg
Assets (%)
Return on
Avg Net Worth (%)
Oper Exp/ Oper
Rev (%)
Salary&Benefits/
Employees ($000)
0.13%
0.50%
1.10%
0.76%
0.41%
0.79%
0.32%
1.14%
0.37%
0.76%
0.17%
0.56%
1.07%
0.11%
1.33%
6.23%
12.18%
9.23%
4.85%
9.93%
4.77%
10.84%
3.71%
7.20%
2.17%
5.52%
8.80%
0.85%
96.95%
80.38%
74.65%
79.71%
83.83%
85.22%
93.15%
68.50%
88.96%
78.02%
92.34%
77.96%
63.80%
93.54%
$54
$68
$50
$56
$67
$56
$58
$53
$77
$78
$83
$68
$58
$80
0.59%
6.14%
83.02%
$67
0.80%
0.51%
0.63%
0.59%
0.84%
0.09%
0.27%
0.62%
1.11%
(0.07%)
1.13%
1.23%
(0.45%)
0.31%
0.34%
0.81%
0.75%
0.44%
1.12%
0.22%
0.30%
0.63%
0.70%
0.22%
0.83%
(0.03%)
0.89%
9.56%
8.22%
7.59%
4.93%
7.48%
1.22%
2.76%
8.08%
8.41%
(0.47%)
11.06%
16.26%
(4.37%)
3.77%
3.10%
7.05%
6.39%
4.52%
8.04%
1.32%
4.20%
4.17%
3.27%
1.61%
9.40%
(0.26%)
10.34%
75.36%
92.70%
85.43%
80.01%
76.85%
92.27%
84.10%
84.31%
72.79%
97.90%
69.44%
71.68%
93.98%
92.27%
84.17%
58.20%
80.53%
89.47%
74.80%
90.68%
86.20%
72.54%
67.40%
88.73%
87.90%
97.44%
88.17%
$65
$54
$65
$53
$66
$68
$58
$55
$52
$61
$48
$67
$70
$61
$63
$85
$54
$81
$38
$53
$70
$104
$48
$61
$57
$67
$59
0.55%
5.47%
82.79%
$62
Institution Name
Old West Federal Credit Union
NW Preferred Federal Credit Union
Malheur Federal Credit Union
Heritage Grove Federal Credit Union
Trailhead Federal Credit Union
Pacific Cascade Federal Credit Union
Point West Credit Union
Linn-Co Federal Credit Union
USAgencies Credit Union
KaiPerm Northwest Federal Credit Union
IBEW & United Workers Federal Credit Union
Valley Credit Union
Cascade Central Credit Union
Teamsters Council #37 Federal Credit Union
State Average
Washington
Run Date: November 7, 2015
O Bee Credit Union
Industrial Credit Union of Whatcom County
North Coast Credit Union
People's Community Federal Credit Union
NorthWest Plus Credit Union
Peninsula Community Federal Credit Union
Spokane Federal Credit Union
Coulee Dam Federal Credit Union
Great Northwest Federal Credit Union
Community 1st Credit Union
Lower Valley Credit Union
Puget Sound Cooperative Credit Union
Woodstone Credit Union
MountainCrest Credit Union
Cheney Federal Credit Union
Tacoma Longshoremen Credit Union
Primesource Credit Union
Lower Columbia Longshoremen's Federal Credit Union
White River Credit Union
Alaska Airlines/Horizon Air Employees FCU
Waterfront Federal Credit Union
Avista Corp. Credit Union
Safeway Federal Credit Union
WestEdge Federal Credit Union
Progressions Credit Union
Granco Federal Credit Union
Sno Falls Credit Union
State Average
$124,749
$123,536
$104,589
$100,838
$98,649
$98,385
$94,014
$87,485
$79,004
$71,297
$68,970
$67,561
$56,987
$55,526
($134)
$174
$243
$168
$102
$88
$225
$228
$124
$137
($3)
$81
$141
$38
$128,410
$210
$207,181
$203,070
$190,390
$183,762
$164,280
$162,552
$137,971
$124,780
$121,085
$109,066
$98,672
$98,201
$96,454
$89,433
$84,492
$82,117
$68,009
$66,498
$65,109
$58,859
$56,632
$56,384
$55,541
$54,307
$54,191
$53,167
$52,302
$443
$601
$354
$271
$268
$59
($37)
$173
$291
$42
$79
$344
($75)
$221
$58
$164
$146
$36
$164
$50
$127
$81
$96
$27
$102
($45)
$52
$103,500
$152
(0.44%)
0.57%
0.94%
0.67%
0.41%
0.36%
0.95%
1.05%
0.63%
0.76%
(0.02%)
0.48%
1.02%
0.27%
(4.39%)
6.88%
10.25%
7.99%
4.85%
4.47%
13.98%
9.91%
6.30%
7.17%
(0.22%)
4.77%
8.43%
2.16%
110.85%
79.79%
74.44%
80.40%
82.75%
91.92%
81.21%
72.04%
82.04%
78.59%
94.91%
79.02%
64.93%
85.58%
0.63%
6.71%
82.55%
$67
$554
0.87%
1.19%
0.74%
0.60%
0.66%
0.15%
(0.11%)
0.57%
0.97%
0.15%
0.32%
1.41%
(0.31%)
1.00%
0.27%
0.81%
0.87%
0.22%
1.01%
0.34%
0.90%
0.58%
0.70%
0.20%
0.76%
(0.34%)
0.40%
10.35%
19.08%
8.87%
4.95%
5.83%
1.95%
(1.11%)
7.43%
7.22%
0.97%
3.18%
18.38%
(3.02%)
12.07%
2.46%
7.03%
7.46%
2.20%
7.14%
2.01%
12.34%
3.80%
3.28%
1.42%
8.43%
(2.73%)
4.59%
71.53%
88.66%
83.71%
80.05%
73.79%
86.56%
82.79%
84.39%
71.48%
95.42%
76.22%
68.72%
94.45%
87.16%
84.69%
62.73%
77.76%
92.03%
80.75%
87.06%
83.33%
71.48%
66.01%
86.97%
84.30%
97.88%
92.88%
$67
$53
$63
$53
$65
$63
$58
$56
$53
$57
$49
$68
$67
$60
$63
$105
$52
$85
$37
$52
$69
$110
$48
$61
$58
$71
$61
$1,202
$763
$895
$800
$1,013
$110
$274
$560
$991
($61)
$803
$876
($329)
$204
$217
$485
$370
$220
$543
$98
$128
$264
$285
$91
$333
($13)
$342
0.55%
5.76%
81.96%
$63
$425
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 6 of 27
September 30, 2015
Performance Analysis
As of Date
Total Assets
($000)
Region
Wyoming
Run Date: November 7, 2015
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)
Institution Name
WyHy Federal Credit Union
Trona Valley Community Federal Credit Union
Western Vista Federal Credit Union
Atlantic City Federal Credit Union
Reliant Federal Credit Union
Sunlight Federal Credit Union
Campco Federal Credit Union
First Education Federal Credit Union
State Average
Regional Average of Asset Group D
$203,750
$170,697
$136,674
$114,549
$115,972
$105,772
$94,859
$51,794
$491
$490
$180
$196
$133
$206
$350
$60
0.97%
1.14%
0.53%
0.68%
0.46%
0.78%
1.50%
0.47%
8.44%
11.36%
3.93%
6.53%
5.40%
6.11%
16.31%
6.34%
72.96%
76.01%
89.37%
79.29%
78.24%
74.64%
70.26%
88.30%
$70
$75
$74
$67
$58
$50
$60
$46
$1,420
$1,483
$650
$790
$455
$796
$901
$139
0.95%
1.16%
0.64%
0.91%
0.53%
1.00%
1.31%
0.36%
8.31%
11.73%
4.77%
8.97%
6.26%
8.03%
14.48%
4.96%
72.63%
75.34%
86.53%
75.51%
80.02%
69.51%
72.91%
89.48%
$70
$72
$68
$63
$59
$49
$60
$48
$124,258
$263
0.82%
8.05%
78.63%
$63
$829
0.86%
8.44%
77.74%
$61
$118,994
$214
0.73%
7.25%
80.16%
$62
$595
0.69%
6.65%
80.86%
$62
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 7 of 27
An Analysis of ACUIA Region 1 Credit Unions
Balance Sheet & Net
Interest Margin
September 30, 2015
Balance Sheet & Net Interest Margin
Run Date: November 7, 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
Asset Group A - $1 billion and over in total assets
Alaska
Alaska USA Federal Credit Union
State Average
Idaho
Idaho Central Credit Union
State Average
Montana
Whitefish Credit Union Association
State Average
Oregon
OnPoint Community Credit Union
Oregon Community Credit Union
SELCO Community Credit Union
Advantis Credit Union
Rogue Credit Union
State Average
Washington
Boeing Employees Credit Union
Washington State Employees Credit Union
Spokane Teachers Credit Union
Numerica Credit Union
Gesa Credit Union
HAPO Community Credit Union
Sound Credit Union
Whatcom Educational Credit Union
Harborstone Credit Union
Columbia Community Credit Union
Inspirus Credit Union
Kitsap Credit Union
TwinStar Credit Union
State Average
Regional Average of Asset Group A
$6,309,167
$4,709,704
$5,789,858
81.34%
$3,625
3.48%
0.38%
3.10%
13.61%
13.93%
$6,309,167
$4,709,704
$5,789,858
81.34%
$3,625
3.48%
0.38%
3.10%
13.61%
13.93%
$2,267,420
$2,064,384
$1,860,673
110.95%
$3,830
3.04%
0.65%
2.39%
29.80%
21.79%
$2,267,420
$2,064,384
$1,860,673
110.95%
$3,830
3.04%
0.65%
2.39%
29.80%
21.79%
$1,291,112
$634,358
$1,127,192
56.28%
$9,744
2.70%
0.63%
2.07%
1.97%
0.93%
$1,291,112
$634,358
$1,127,192
56.28%
$9,744
2.70%
0.63%
2.07%
1.97%
0.93%
$3,838,024
$1,382,620
$1,272,585
$1,206,719
$1,044,782
$2,355,884
$1,231,266
$986,053
$934,999
$811,270
$3,332,437
$1,245,459
$1,130,120
$1,061,677
$918,016
70.70%
98.86%
87.25%
88.07%
88.37%
$6,745
$4,410
$4,034
$6,540
$3,210
2.71%
3.48%
3.14%
3.38%
4.68%
0.19%
0.48%
0.31%
0.67%
0.26%
2.53%
3.00%
2.83%
2.70%
4.42%
10.42%
11.32%
7.36%
4.66%
14.35%
8.93%
11.18%
7.54%
5.43%
13.96%
$1,748,946
$1,263,894
$1,537,542
86.65%
$4,988
3.48%
0.38%
3.10%
9.62%
9.41%
$13,878,323
$2,331,518
$2,142,131
$1,538,256
$1,536,348
$1,341,980
$1,208,154
$1,173,759
$1,130,179
$1,102,955
$1,049,327
$1,017,566
$1,007,292
$9,074,459
$1,825,458
$1,840,083
$1,239,304
$1,263,393
$1,132,068
$805,318
$755,224
$717,696
$803,038
$655,057
$698,903
$765,372
$12,195,006
$1,941,362
$1,733,123
$1,275,080
$1,340,242
$1,187,390
$1,035,253
$963,309
$977,191
$956,000
$934,241
$906,948
$880,434
74.41%
94.03%
106.17%
97.19%
94.27%
95.34%
77.79%
78.40%
73.44%
84.00%
70.12%
77.06%
86.93%
$10,400
$4,420
$3,788
$3,846
$4,091
$4,287
$4,683
$4,061
$5,034
$3,925
$7,890
$3,776
$2,870
2.93%
4.27%
3.84%
4.07%
3.72%
3.77%
3.28%
3.12%
3.30%
3.44%
2.88%
3.33%
4.06%
0.33%
0.25%
0.59%
0.65%
0.47%
0.55%
0.20%
0.33%
0.38%
0.11%
0.24%
0.18%
0.35%
2.60%
4.02%
3.26%
3.42%
3.25%
3.21%
3.08%
2.79%
2.92%
3.33%
2.64%
3.15%
3.71%
8.45%
6.86%
8.15%
10.91%
11.73%
11.14%
6.22%
11.46%
3.29%
10.43%
3.67%
4.01%
11.90%
8.02%
8.64%
10.04%
11.41%
11.89%
7.80%
5.46%
12.34%
3.01%
10.26%
3.30%
3.59%
10.37%
$2,342,907
$1,659,644
$2,025,045
85.32%
$4,852
3.54%
0.36%
3.18%
8.32%
8.16%
$2,791,910
$2,066,397
$2,468,062
84.11%
$5,408
3.25%
0.48%
2.77%
12.67%
10.84%
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.
BS & NIM Page 9 of 27
September 30, 2015
Balance Sheet & Net Interest Margin
Run Date: November 7, 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
Asset Group B - $501 million to $1 billion in total assets
Alaska
Credit Union 1
Denali Alaskan Federal Credit Union
State Average
Idaho
Potlatch No. One Federal Credit Union
Westmark Credit Union
Oregon
Northwest Community Credit Union
Unitus Community Credit Union
Oregon State Credit Union
First Community Credit Union
Rivermark Community Credit Union
Marion and Polk Schools Credit Union
State Average
State Average
Washington
Fibre Federal Credit Union
IQ Credit Union
Horizon Credit Union
Seattle Metropolitan Credit Union
Red Canoe Credit Union
Solarity Credit Union
State Average
Wyoming
Warren Federal Credit Union
State Average
Regional Average of Asset Group B
$924,792
$577,955
$702,040
$507,015
$798,321
$491,585
87.94%
103.14%
$2,503
$1,644
3.90%
5.16%
0.26%
0.32%
3.63%
4.84%
0.18%
1.67%
(0.44%)
(0.34%)
$751,374
$604,528
$644,953
95.54%
$2,074
4.53%
0.29%
4.24%
0.93%
(0.39%)
$776,527
$620,479
$657,326
$555,526
$697,443
$533,628
94.25%
104.10%
$3,680
$3,597
3.68%
3.17%
0.68%
0.39%
3.00%
2.78%
17.17%
6.77%
18.00%
8.02%
$698,503
$606,426
$615,536
99.18%
$3,639
3.43%
0.54%
2.89%
11.97%
13.01%
$976,142
$971,815
$962,440
$878,434
$694,694
$542,272
$830,136
$646,523
$570,335
$470,812
$564,923
$374,463
$870,664
$849,529
$837,583
$784,781
$609,431
$492,113
95.35%
76.10%
68.09%
59.99%
92.70%
76.09%
$3,468
$4,617
$4,836
$3,194
$3,838
$2,639
4.24%
2.97%
2.84%
2.63%
3.88%
3.59%
0.37%
0.30%
0.12%
0.12%
0.47%
0.13%
3.87%
2.68%
2.73%
2.51%
3.41%
3.45%
9.02%
6.24%
10.11%
9.28%
17.29%
11.72%
9.58%
5.93%
9.41%
9.50%
14.85%
11.33%
$837,633
$576,199
$740,684
78.05%
$3,765
3.36%
0.25%
3.11%
10.61%
10.10%
$920,476
$798,615
$709,250
$674,818
$650,318
$601,878
$571,672
$570,557
$565,458
$501,392
$479,193
$443,242
$791,285
$722,667
$611,767
$566,465
$560,456
$459,591
72.25%
78.95%
92.43%
88.51%
85.50%
96.44%
$3,749
$3,175
$3,330
$4,752
$3,573
$4,666
3.04%
3.33%
3.61%
3.35%
3.70%
3.41%
0.30%
0.14%
0.39%
0.17%
0.43%
0.36%
2.74%
3.19%
3.23%
3.18%
3.27%
3.04%
23.50%
9.07%
19.01%
12.50%
2.56%
12.04%
26.65%
8.93%
21.59%
4.75%
1.47%
7.97%
$725,893
$521,919
$618,705
85.68%
$3,874
3.41%
0.30%
3.11%
13.11%
11.89%
$573,208
$490,612
$491,720
99.77%
$3,605
4.39%
0.82%
3.58%
8.84%
5.63%
$573,208
$490,612
$491,720
99.77%
$3,605
4.39%
0.82%
3.58%
8.84%
5.63%
$717,322
$559,937
$622,319
91.64%
$3,391
3.82%
0.44%
3.38%
9.09%
8.05%
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.
BS & NIM Page 10 of 27
September 30, 2015
Balance Sheet & Net Interest Margin
Run Date: November 7, 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
Asset Group C - $251 to $500 million in total assets
Alaska
Matanuska Valley Federal Credit Union
Idaho
Capital Educators Federal Credit Union
Pioneer Federal Credit Union
East Idaho Credit Union
Montana
Missoula Federal Credit Union
State Average
State Average
State Average
Oregon
Oregonians Federal Credit Union
Clackamas Community Federal Credit Union
State Average
Washington
America's Federal Credit Union
Verity Credit Union
Salal Credit Union
Qualstar Credit Union
Global Credit Union
Tapco Credit Union
Our Community Credit Union
Cascade Federal Credit Union
Wyoming
Meridian Trust Federal Credit Union
UniWyo Federal Credit Union
State Average
State Average
Regional Average of Asset Group C
$441,446
$254,914
$390,355
65.30%
$3,449
3.53%
0.21%
3.32%
4.53%
4.35%
$441,446
$254,914
$390,355
65.30%
$3,449
3.53%
0.21%
3.32%
4.53%
4.35%
$478,025
$374,086
$257,676
$411,002
$293,955
$153,315
$439,044
$337,242
$228,971
93.61%
87.16%
66.96%
$2,933
$2,823
$2,454
3.18%
3.45%
2.87%
0.59%
0.56%
0.19%
2.59%
2.89%
2.68%
21.32%
8.11%
2.43%
23.09%
9.25%
2.25%
$369,929
$286,091
$335,086
82.58%
$2,737
3.17%
0.45%
2.72%
10.62%
11.53%
$422,964
$156,934
$366,852
42.78%
$3,065
3.08%
0.35%
2.74%
8.07%
9.19%
$422,964
$156,934
$366,852
42.78%
$3,065
3.08%
0.35%
2.74%
8.07%
9.19%
$303,623
$280,535
$100,868
$191,793
$265,255
$250,872
38.03%
76.45%
$4,600
$3,529
2.40%
3.70%
0.19%
0.19%
2.21%
3.51%
3.37%
8.86%
2.84%
9.04%
$292,079
$146,331
$258,064
57.24%
$4,065
3.05%
0.19%
2.86%
6.12%
5.94%
$492,551
$461,184
$417,688
$396,913
$380,849
$315,986
$307,791
$269,790
$343,218
$322,068
$318,354
$216,780
$257,918
$209,692
$134,042
$67,267
$418,350
$384,754
$346,495
$339,168
$340,561
$286,359
$262,779
$236,210
82.04%
83.71%
91.88%
63.92%
75.73%
73.23%
51.01%
28.48%
$3,676
$3,442
$3,495
$3,835
$2,874
$4,358
$3,364
$9,992
4.52%
3.79%
4.28%
3.71%
3.03%
3.22%
4.03%
2.08%
0.52%
0.33%
0.24%
0.33%
0.30%
0.14%
0.39%
0.53%
4.00%
3.46%
4.03%
3.38%
2.73%
3.08%
3.64%
1.55%
11.83%
4.85%
14.13%
8.41%
3.75%
6.37%
5.07%
4.26%
9.29%
4.43%
7.55%
8.23%
3.88%
5.76%
5.18%
3.72%
$380,344
$233,667
$326,835
68.75%
$4,380
3.58%
0.35%
3.23%
7.33%
6.01%
$315,677
$268,838
$235,749
$171,547
$279,190
$236,575
84.44%
72.51%
$4,154
$3,954
3.40%
3.41%
0.46%
0.46%
2.93%
2.95%
5.03%
4.68%
5.38%
5.66%
$292,258
$203,648
$257,883
78.48%
$4,054
3.41%
0.46%
2.94%
4.86%
5.52%
$366,503
$213,597
$322,512
65.85%
$3,625
3.30%
0.33%
2.97%
6.92%
7.09%
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.
BS & NIM Page 11 of 27
September 30, 2015
Balance Sheet & Net Interest Margin
Run Date: November 7, 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
Asset Group D - $50 to $250 million in total assets
Alaska
Spirit of Alaska Federal Credit Union
True North Federal Credit Union
MAC Federal Credit Union
Northern Skies Federal Credit Union
Tongass Federal Credit Union
Idaho
Icon Credit Union
TruGrocer Federal Credit Union
Beehive Federal Credit Union
Idaho State University Federal Credit Union
Connections Credit Union
Advantage Plus Federal Credit Union
Latah Federal Credit Union
Cottonwood Community Federal Credit Union
Clarity Credit Union
Scenic Falls Federal Credit Union
Kamiah Community Credit Union
Rails West Federal Credit Union
Lewis Clark Credit Union
State Average
State Average
Montana
Altana Federal Credit Union
Valley Federal Credit Union of Montana
Montana Federal Credit Union
Park Side Credit Union
Rocky Mountain Credit Union
1st Liberty Federal Credit Union
Helena Community Credit Union
Billings Federal Credit Union
Lincoln County Credit Union
Bear Paw Credit Union
Southwest Montana Community Federal Credit Union
Embark Federal Credit Union
Sky Federal Credit Union
Richland Federal Credit Union
McCone County Federal Credit Union
Russell Country Federal Credit Union
Fergus Federal Credit Union
Daniels-Sheridan Federal Credit Union
State Average
Oregon
Central Willamette Credit Union
NW Priority Credit Union
Mid Oregon Federal Credit Union
Consolidated Federal Credit Union
Wauna Federal Credit Union
St. Helens Community Federal Credit Union
Cascade Community Federal Credit Union
Pacific Crest Federal Credit Union
Pacific NW Federal Credit Union
Providence Federal Credit Union
Old West Federal Credit Union
NW Preferred Federal Credit Union
Malheur Federal Credit Union
Heritage Grove Federal Credit Union
Trailhead Federal Credit Union
$144,048
$136,716
$98,289
$90,583
$68,834
$90,510
$108,682
$67,655
$77,010
$43,137
$114,787
$125,276
$87,653
$80,612
$61,659
78.85%
86.75%
77.19%
95.53%
69.96%
$2,797
$2,486
$2,587
$2,664
$1,995
4.06%
3.84%
5.78%
5.19%
3.98%
0.32%
0.19%
0.66%
0.59%
0.33%
3.74%
3.65%
5.12%
4.60%
3.66%
2.65%
5.88%
2.84%
9.86%
2.99%
(3.90%)
5.66%
11.75%
9.09%
1.81%
$107,694
$77,399
$93,997
81.66%
$2,506
4.57%
0.42%
4.15%
4.84%
4.88%
$248,821
$236,302
$201,620
$153,414
$143,902
$111,704
$83,869
$84,423
$64,350
$64,004
$66,301
$54,676
$55,394
$199,907
$76,009
$145,932
$122,017
$97,499
$80,571
$44,795
$64,404
$54,825
$54,094
$50,408
$43,725
$49,153
$215,867
$185,683
$177,006
$138,471
$131,584
$99,233
$76,958
$70,271
$57,925
$57,182
$55,678
$49,748
$48,311
92.61%
40.93%
82.44%
88.12%
74.10%
81.19%
58.21%
91.65%
94.65%
94.60%
90.53%
87.89%
101.74%
$2,910
$5,560
$2,800
$2,256
$2,321
$2,327
$4,091
$4,563
$1,609
$2,462
$3,315
$2,144
$2,308
4.26%
1.84%
3.07%
3.35%
3.25%
3.43%
2.82%
4.57%
5.28%
4.09%
4.79%
3.91%
4.96%
0.51%
0.25%
0.24%
0.35%
0.31%
0.53%
0.35%
0.64%
0.26%
0.51%
0.49%
0.11%
0.40%
3.75%
1.58%
2.83%
3.00%
2.93%
2.89%
2.47%
3.94%
5.02%
3.58%
4.30%
3.80%
4.55%
12.55%
1.63%
4.34%
1.96%
3.95%
6.02%
13.49%
10.99%
6.84%
8.92%
17.66%
(3.26%)
9.74%
15.80%
3.43%
3.73%
1.52%
4.04%
5.73%
14.46%
11.24%
16.61%
8.14%
16.26%
(3.93%)
6.23%
$120,675
$83,334
$104,917
82.97%
$2,974
3.82%
0.38%
3.43%
7.29%
7.94%
$222,850
$211,925
$212,896
$200,439
$183,881
$161,799
$176,391
$126,147
$106,203
$113,393
$102,669
$93,536
$86,548
$86,758
$66,737
$61,920
$60,056
$55,558
$151,678
$160,428
$105,131
$158,945
$143,544
$64,966
$126,304
$103,019
$43,451
$55,685
$46,475
$53,623
$53,248
$39,767
$49,785
$38,535
$36,723
$29,861
$193,873
$184,885
$190,403
$176,899
$156,599
$143,241
$154,770
$108,315
$85,551
$103,348
$87,947
$82,050
$77,602
$76,808
$56,256
$55,263
$53,239
$46,853
78.24%
86.77%
55.21%
89.85%
91.66%
45.35%
81.61%
95.11%
50.79%
53.88%
52.84%
65.35%
68.62%
51.77%
88.50%
69.73%
68.98%
63.73%
$2,952
$2,508
$3,406
$2,430
$3,117
$2,719
$2,822
$3,077
$6,437
$3,194
$3,803
$3,067
$1,923
$5,983
$5,803
$2,692
$3,533
$3,832
3.44%
3.92%
2.50%
3.98%
3.82%
2.46%
3.03%
4.34%
2.41%
2.99%
2.59%
3.15%
4.07%
2.56%
3.76%
2.95%
3.53%
3.05%
0.24%
0.26%
0.29%
0.36%
0.32%
0.19%
0.33%
0.41%
0.23%
0.45%
0.42%
0.32%
0.28%
0.06%
0.59%
0.31%
0.32%
0.17%
3.23%
3.67%
2.21%
3.62%
3.51%
2.28%
2.70%
3.93%
2.18%
2.54%
2.27%
2.83%
3.79%
2.50%
3.17%
2.64%
3.21%
2.88%
(0.80%)
4.10%
5.91%
6.59%
17.47%
(1.17%)
17.08%
2.33%
2.72%
11.18%
2.11%
2.95%
(2.25%)
(8.49%)
1.17%
0.59%
4.40%
(2.43%)
(1.88%)
2.32%
5.44%
7.25%
17.65%
(1.33%)
17.30%
1.51%
1.88%
12.02%
2.25%
3.79%
(3.55%)
(10.57%)
(4.39%)
0.07%
4.14%
(3.63%)
$129,428
$81,176
$112,995
69.89%
$3,517
3.25%
0.31%
2.95%
3.53%
2.79%
$238,785
$232,069
$213,335
$192,104
$187,764
$182,295
$178,320
$153,009
$147,285
$125,289
$124,749
$123,536
$104,589
$100,838
$98,649
$172,721
$81,544
$144,648
$131,771
$136,690
$137,047
$85,694
$89,984
$88,515
$63,888
$71,913
$92,491
$60,963
$59,586
$73,537
$216,286
$202,947
$192,657
$161,683
$167,773
$167,136
$154,508
$138,238
$134,221
$109,963
$112,055
$112,665
$94,430
$91,901
$89,916
79.86%
40.18%
75.08%
81.50%
81.47%
82.00%
55.46%
65.09%
65.95%
58.10%
64.18%
82.09%
64.56%
64.84%
81.78%
$2,843
$5,157
$2,807
$4,222
$2,262
$2,805
$5,404
$2,661
$3,507
$5,447
$2,228
$3,633
$2,827
$4,202
$4,026
3.45%
2.14%
3.59%
2.98%
4.10%
3.98%
2.42%
3.45%
3.19%
2.97%
3.68%
4.27%
3.83%
3.05%
4.25%
0.18%
0.22%
0.10%
0.22%
0.25%
0.33%
0.15%
0.18%
0.04%
0.13%
0.27%
0.40%
0.12%
0.15%
0.45%
3.27%
1.92%
3.49%
2.76%
3.84%
3.65%
2.27%
3.27%
3.15%
2.84%
3.40%
3.87%
3.72%
2.90%
3.80%
5.28%
2.34%
15.02%
7.66%
13.21%
3.20%
6.91%
2.35%
11.62%
6.20%
(3.73%)
(0.71%)
9.58%
3.38%
7.40%
5.45%
2.41%
17.28%
7.98%
12.47%
3.23%
7.13%
1.72%
11.63%
5.81%
(3.18%)
(1.40%)
8.97%
2.82%
7.66%
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.
BS & NIM Page 12 of 27
September 30, 2015
Balance Sheet & Net Interest Margin
Run Date: November 7, 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
Pacific Cascade Federal Credit Union
Point West Credit Union
Linn-Co Federal Credit Union
USAgencies Credit Union
KaiPerm Northwest Federal Credit Union
IBEW & United Workers Federal Credit Union
Valley Credit Union
Cascade Central Credit Union
Teamsters Council #37 Federal Credit Union
State Average
Washington
O Bee Credit Union
Industrial Credit Union of Whatcom County
North Coast Credit Union
People's Community Federal Credit Union
NorthWest Plus Credit Union
Peninsula Community Federal Credit Union
Spokane Federal Credit Union
Coulee Dam Federal Credit Union
Great Northwest Federal Credit Union
Community 1st Credit Union
Lower Valley Credit Union
Puget Sound Cooperative Credit Union
Woodstone Credit Union
MountainCrest Credit Union
Cheney Federal Credit Union
Tacoma Longshoremen Credit Union
Primesource Credit Union
Lower Columbia Longshoremen's Federal Credit Union
White River Credit Union
Alaska Airlines/Horizon Air Employees FCU
Waterfront Federal Credit Union
Avista Corp. Credit Union
Safeway Federal Credit Union
WestEdge Federal Credit Union
Progressions Credit Union
Granco Federal Credit Union
Sno Falls Credit Union
Wyoming
WyHy Federal Credit Union
Trona Valley Community Federal Credit Union
Western Vista Federal Credit Union
Atlantic City Federal Credit Union
Reliant Federal Credit Union
Sunlight Federal Credit Union
Campco Federal Credit Union
First Education Federal Credit Union
State Average
State Average
Regional Average of Asset Group D
$98,385
$94,014
$87,485
$79,004
$71,297
$68,970
$67,561
$56,987
$55,526
$67,791
$66,645
$65,848
$42,762
$32,603
$31,464
$38,428
$29,826
$22,680
$89,314
$86,459
$77,659
$70,622
$62,601
$63,443
$60,460
$50,011
$48,363
75.90%
77.08%
84.79%
60.55%
52.08%
49.59%
63.56%
59.64%
46.90%
$2,659
$3,242
$2,302
$4,647
$6,482
$4,598
$3,861
$5,999
$4,828
3.54%
3.35%
5.94%
2.77%
2.94%
2.87%
3.92%
2.81%
2.68%
0.07%
0.27%
0.32%
0.29%
0.30%
0.05%
0.37%
0.39%
0.19%
3.46%
3.08%
5.62%
2.48%
2.64%
2.82%
3.55%
2.42%
2.49%
8.52%
(0.25%)
8.42%
5.32%
5.93%
(0.08%)
9.15%
13.25%
4.64%
8.47%
(0.07%)
8.06%
5.49%
6.35%
(0.26%)
9.56%
13.93%
5.32%
$128,410
$78,710
$114,805
67.18%
$3,860
3.42%
0.23%
3.20%
6.03%
6.12%
$207,181
$203,070
$190,390
$183,762
$164,280
$162,552
$137,971
$124,780
$121,085
$109,066
$98,672
$98,201
$96,454
$89,433
$84,492
$82,117
$68,009
$66,498
$65,109
$58,859
$56,632
$56,384
$55,541
$54,307
$54,191
$53,167
$52,302
$171,901
$127,804
$140,359
$61,579
$106,641
$114,574
$99,848
$74,848
$52,955
$65,576
$70,047
$86,369
$71,397
$59,639
$33,171
$17,740
$51,433
$36,478
$24,921
$20,874
$28,351
$35,304
$24,479
$20,196
$41,875
$37,142
$38,942
$180,177
$185,718
$167,598
$161,360
$143,223
$149,378
$122,306
$114,084
$103,903
$89,050
$87,764
$86,160
$85,496
$81,560
$74,503
$72,248
$58,869
$59,644
$55,659
$48,690
$51,774
$47,703
$43,371
$46,494
$49,245
$46,468
$47,468
95.41%
68.82%
83.75%
38.16%
74.46%
76.70%
81.64%
65.61%
50.97%
73.64%
79.81%
100.24%
83.51%
73.12%
44.52%
24.55%
87.37%
61.16%
44.77%
42.87%
54.76%
74.01%
56.44%
43.44%
85.03%
79.93%
82.04%
$3,116
$2,295
$3,493
$5,250
$3,533
$2,709
$3,066
$2,400
$2,990
$3,356
$2,077
$3,851
$3,640
$3,577
$7,041
$11,731
$2,834
$4,290
$3,339
$4,905
$4,045
$11,277
$5,290
$4,177
$3,188
$3,038
$2,433
4.49%
3.41%
3.47%
2.20%
3.40%
3.54%
3.17%
3.75%
3.26%
2.74%
6.94%
4.10%
3.57%
3.27%
2.20%
2.39%
4.72%
3.13%
2.96%
2.20%
3.25%
2.83%
2.66%
2.68%
3.97%
3.89%
3.61%
0.38%
0.24%
0.36%
0.27%
0.27%
0.21%
0.16%
0.08%
0.19%
0.24%
0.75%
0.25%
0.22%
0.09%
0.34%
0.44%
0.49%
0.12%
0.09%
0.05%
0.06%
0.73%
0.35%
0.15%
0.29%
0.23%
0.07%
4.11%
3.17%
3.12%
1.92%
3.13%
3.33%
3.01%
3.67%
3.07%
2.50%
6.19%
3.85%
3.35%
3.18%
1.86%
1.95%
4.23%
3.01%
2.87%
2.15%
3.19%
2.10%
2.31%
2.53%
3.68%
3.66%
3.53%
7.70%
5.31%
5.36%
4.56%
6.50%
7.69%
3.97%
8.65%
3.62%
(6.49%)
12.65%
9.75%
1.17%
5.82%
(1.17%)
7.26%
12.24%
4.32%
4.69%
2.50%
(2.59%)
3.60%
4.95%
0.65%
2.77%
1.47%
5.75%
9.30%
5.33%
5.57%
4.22%
5.63%
8.49%
3.77%
9.34%
2.40%
(7.76%)
13.26%
5.43%
1.73%
6.62%
(1.73%)
6.54%
13.65%
4.39%
3.91%
2.62%
(1.99%)
3.49%
6.14%
0.35%
2.22%
2.05%
5.39%
$103,500
$63,498
$91,108
67.66%
$4,183
3.40%
0.26%
3.14%
4.54%
4.46%
$203,750
$170,697
$136,674
$114,549
$115,972
$105,772
$94,859
$51,794
$179,167
$129,523
$86,985
$68,215
$68,009
$38,190
$68,815
$17,899
$173,902
$151,911
$107,948
$102,271
$105,101
$91,968
$85,301
$47,635
103.03%
85.26%
80.58%
66.70%
64.71%
41.53%
80.67%
37.58%
$4,738
$2,667
$2,939
$3,273
$3,012
$4,407
$3,216
$3,237
3.98%
4.55%
3.42%
3.18%
3.19%
2.61%
4.00%
2.73%
0.51%
0.50%
0.32%
0.32%
0.19%
0.16%
0.21%
0.24%
3.45%
4.05%
3.10%
2.87%
3.00%
2.45%
3.79%
2.54%
5.71%
5.37%
3.21%
2.23%
5.64%
3.71%
9.43%
4.01%
1.21%
5.40%
3.26%
1.64%
5.37%
2.92%
10.21%
4.07%
$124,258
$82,100
$108,255
70.01%
$3,436
3.46%
0.31%
3.16%
4.91%
4.26%
$118,994
$77,703
$104,346
73.23%
$3,413
3.65%
0.32%
3.34%
5.19%
5.08%
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.
BS & NIM Page 13 of 27
An Analysis of ACUIA Region 1 Credit Unions
Asset Quality
Asset Quality
September 30, 2015
Run Date: November 7, 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
Asset Group A - $1 billion and over in total assets
Alaska
Alaska USA Federal Credit Union
State Average
Idaho
Idaho Central Credit Union
Montana
Whitefish Credit Union Association
State Average
State Average
Oregon
OnPoint Community Credit Union
Oregon Community Credit Union
SELCO Community Credit Union
Advantis Credit Union
Rogue Credit Union
Washington
Boeing Employees Credit Union
Washington State Employees Credit Union
Spokane Teachers Credit Union
Numerica Credit Union
Gesa Credit Union
HAPO Community Credit Union
Sound Credit Union
Whatcom Educational Credit Union
Harborstone Credit Union
Columbia Community Credit Union
Inspirus Credit Union
Kitsap Credit Union
TwinStar Credit Union
State Average
State Average
Regional Average of Asset Group A
$6,309,167
$57,500
1.22%
0.73%
59.97%
14.75%
0.91%
$6,309,167
$57,500
1.22%
0.73%
59.97%
14.75%
0.91%
$2,267,420
$3,254
0.16%
0.28%
180.02%
1.70%
0.14%
$2,267,420
$3,254
0.16%
0.28%
180.02%
1.70%
0.14%
$1,291,112
$9,757
1.54%
1.71%
110.85%
16.36%
0.76%
$1,291,112
$9,757
1.54%
1.71%
110.85%
16.36%
0.76%
$3,838,024
$1,382,620
$1,272,585
$1,206,719
$1,044,782
$6,656
$4,421
$3,619
$3,066
$9,264
0.28%
0.36%
0.37%
0.33%
1.14%
0.42%
0.53%
0.62%
0.61%
0.82%
150.20%
147.12%
167.59%
185.29%
72.13%
1.55%
4.38%
3.29%
2.48%
9.55%
0.17%
0.32%
0.28%
0.25%
0.89%
$1,748,946
$5,405
0.50%
0.60%
144.47%
4.25%
0.38%
$13,878,323
$2,331,518
$2,142,131
$1,538,256
$1,536,348
$1,341,980
$1,208,154
$1,173,759
$1,130,179
$1,102,955
$1,049,327
$1,017,566
$1,007,292
$32,034
$10,428
$6,904
$4,510
$4,457
$2,052
$1,720
$2,651
$5,344
$6,265
$1,570
$877
$5,920
0.35%
0.57%
0.38%
0.36%
0.35%
0.18%
0.21%
0.35%
0.74%
0.78%
0.24%
0.13%
0.77%
0.83%
1.23%
0.59%
1.08%
0.81%
0.70%
0.56%
0.82%
0.92%
0.92%
0.47%
0.84%
1.13%
234.88%
214.64%
156.97%
295.54%
230.69%
386.70%
260.58%
232.70%
123.86%
118.13%
197.71%
667.05%
146.01%
2.24%
5.03%
2.82%
2.96%
3.68%
2.94%
1.33%
1.33%
4.32%
5.33%
1.43%
2.10%
6.21%
0.23%
0.45%
0.32%
0.29%
0.29%
0.15%
0.14%
0.23%
0.47%
0.57%
0.15%
0.09%
0.59%
$2,342,907
$6,518
0.42%
0.84%
251.19%
3.21%
0.31%
$2,791,910
$16,487
0.77%
0.83%
149.30%
8.05%
0.50%
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.
Asset Quality Page 15 of 27
Asset Quality
September 30, 2015
Run Date: November 7, 2015
As of Date
Delinquent Loans
Total Assets ($000) => 2 months ($000)
Region
NPLs / Loans (%)
Loan Loss
Reserves / Gross
Loans (%)
Reserves / NPLs
(%)
88.24%
111.65%
8.29%
10.34%
0.99%
0.80%
NPAs / Equity +
LLRs (%)
Delinquent Loans/
Assets (%)
Institution Name
Asset Group B - $501 million to $1 billion in total assets
Alaska
Credit Union 1
Denali Alaskan Federal Credit Union
Idaho
Potlatch No. One Federal Credit Union
Westmark Credit Union
State Average
State Average
Oregon
Northwest Community Credit Union
Unitus Community Credit Union
Oregon State Credit Union
First Community Credit Union
Rivermark Community Credit Union
Marion and Polk Schools Credit Union
Washington
Fibre Federal Credit Union
IQ Credit Union
Horizon Credit Union
Seattle Metropolitan Credit Union
Red Canoe Credit Union
Solarity Credit Union
Wyoming
Warren Federal Credit Union
State Average
State Average
State Average
Regional Average of Asset Group B
$924,792
$577,955
$9,176
$4,600
1.31%
0.91%
1.15%
1.01%
$751,374
$6,888
1.11%
1.08%
99.95%
9.32%
0.90%
$776,527
$620,479
$2,684
$442
0.41%
0.08%
0.95%
0.29%
232.30%
365.84%
4.09%
1.04%
0.35%
0.07%
$698,503
$1,563
0.25%
0.62%
299.07%
2.57%
0.21%
$976,142
$971,815
$962,440
$878,434
$694,694
$542,272
$5,586
$2,582
$3,404
$4,125
$3,148
$1,134
0.67%
0.40%
0.60%
0.88%
0.56%
0.30%
0.61%
0.91%
0.60%
0.49%
0.63%
0.39%
90.83%
227.61%
101.23%
55.76%
112.67%
127.95%
7.95%
2.62%
3.29%
4.92%
6.97%
3.11%
0.57%
0.27%
0.35%
0.47%
0.45%
0.21%
$837,633
$3,330
0.57%
0.61%
119.34%
4.81%
0.39%
$920,476
$798,615
$709,250
$674,818
$650,318
$601,878
$1,893
$1,824
$1,447
$4,014
$3,278
$2,323
0.33%
0.32%
0.26%
0.80%
0.68%
0.52%
1.47%
0.95%
0.41%
0.46%
0.73%
0.37%
442.58%
296.55%
162.13%
57.25%
107.38%
70.21%
2.28%
2.80%
2.71%
6.02%
5.51%
2.84%
0.21%
0.23%
0.20%
0.59%
0.50%
0.39%
$725,893
$2,463
0.49%
0.73%
189.35%
3.69%
0.35%
$573,208
$4,697
0.96%
0.75%
78.48%
8.81%
0.82%
$573,208
$4,697
0.96%
0.75%
78.48%
8.81%
0.82%
$717,322
$3,788
0.67%
0.76%
157.24%
5.84%
0.53%
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.
Asset Quality Page 16 of 27
Asset Quality
September 30, 2015
Run Date: November 7, 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
Asset Group C - $251 to $500 million in total assets
Alaska
Matanuska Valley Federal Credit Union
State Average
Idaho
Capital Educators Federal Credit Union
Pioneer Federal Credit Union
East Idaho Credit Union
State Average
Montana
Missoula Federal Credit Union
State Average
Oregon
Oregonians Federal Credit Union
Clackamas Community Federal Credit Union
Washington
America's Federal Credit Union
Verity Credit Union
Salal Credit Union
Qualstar Credit Union
Global Credit Union
Tapco Credit Union
Our Community Credit Union
Cascade Federal Credit Union
Wyoming
Meridian Trust Federal Credit Union
UniWyo Federal Credit Union
State Average
State Average
State Average
Regional Average of Asset Group C
$441,446
$2,044
0.80%
0.58%
71.82%
7.43%
0.46%
$441,446
$2,044
0.80%
0.58%
71.82%
7.43%
0.46%
$478,025
$374,086
$257,676
$1,460
$2,813
$556
0.36%
0.96%
0.36%
0.16%
0.68%
0.41%
45.00%
70.96%
113.31%
5.31%
8.99%
2.58%
0.31%
0.75%
0.22%
$369,929
$1,610
0.56%
0.42%
76.42%
5.63%
0.43%
$422,964
$1,190
0.76%
2.22%
292.27%
5.41%
0.28%
$422,964
$1,190
0.76%
2.22%
292.27%
5.41%
0.28%
$303,623
$280,535
$584
$1,429
0.58%
0.75%
0.38%
0.82%
65.41%
109.80%
1.57%
5.44%
0.19%
0.51%
$292,079
$1,007
0.67%
0.60%
87.61%
3.51%
0.35%
$492,551
$461,184
$417,688
$396,913
$380,849
$315,986
$307,791
$269,790
$1,441
$1,580
$940
$2,507
$552
$622
$734
$1,206
0.42%
0.49%
0.30%
1.16%
0.21%
0.30%
0.55%
1.79%
1.19%
1.02%
1.70%
1.19%
0.75%
0.64%
1.26%
0.95%
284.25%
208.23%
574.79%
102.75%
351.27%
214.95%
230.11%
53.07%
5.42%
3.55%
2.11%
4.49%
6.06%
3.29%
1.96%
3.67%
0.29%
0.34%
0.23%
0.63%
0.14%
0.20%
0.24%
0.45%
$380,344
$1,198
0.65%
1.09%
252.43%
3.82%
0.32%
$315,677
$268,838
$914
$765
0.39%
0.45%
0.50%
0.82%
128.45%
183.92%
2.79%
2.65%
0.29%
0.28%
$292,258
$840
0.42%
0.66%
156.19%
2.72%
0.29%
$366,503
$1,315
0.64%
0.93%
156.12%
4.75%
0.35%
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.
Asset Quality Page 17 of 27
Asset Quality
September 30, 2015
Run Date: November 7, 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
Asset Group D - $50 to $250 million in total assets
Alaska
Spirit of Alaska Federal Credit Union
True North Federal Credit Union
MAC Federal Credit Union
Northern Skies Federal Credit Union
Tongass Federal Credit Union
Idaho
Icon Credit Union
TruGrocer Federal Credit Union
Beehive Federal Credit Union
Idaho State University Federal Credit Union
Connections Credit Union
Advantage Plus Federal Credit Union
Latah Federal Credit Union
Cottonwood Community Federal Credit Union
Clarity Credit Union
Scenic Falls Federal Credit Union
Kamiah Community Credit Union
Rails West Federal Credit Union
Lewis Clark Credit Union
Montana
Altana Federal Credit Union
Valley Federal Credit Union of Montana
Montana Federal Credit Union
Park Side Credit Union
Rocky Mountain Credit Union
1st Liberty Federal Credit Union
Helena Community Credit Union
Billings Federal Credit Union
Lincoln County Credit Union
Bear Paw Credit Union
Southwest Montana Community Federal Credit Union
Embark Federal Credit Union
Sky Federal Credit Union
Richland Federal Credit Union
McCone County Federal Credit Union
Russell Country Federal Credit Union
Fergus Federal Credit Union
Daniels-Sheridan Federal Credit Union
Oregon
Central Willamette Credit Union
NW Priority Credit Union
Mid Oregon Federal Credit Union
Consolidated Federal Credit Union
Wauna Federal Credit Union
St. Helens Community Federal Credit Union
Cascade Community Federal Credit Union
Pacific Crest Federal Credit Union
Pacific NW Federal Credit Union
Providence Federal Credit Union
Old West Federal Credit Union
NW Preferred Federal Credit Union
Malheur Federal Credit Union
Heritage Grove Federal Credit Union
Trailhead Federal Credit Union
Pacific Cascade Federal Credit Union
State Average
State Average
State Average
$144,048
$136,716
$98,289
$90,583
$68,834
$761
$722
$606
$327
$96
0.84%
0.66%
0.90%
0.42%
0.22%
0.46%
0.49%
2.06%
0.45%
0.26%
54.80%
74.38%
230.36%
106.73%
118.75%
11.45%
9.47%
5.80%
4.24%
2.70%
0.53%
0.53%
0.62%
0.36%
0.14%
$107,694
$502
0.61%
0.74%
117.00%
6.73%
0.44%
$248,821
$236,302
$201,620
$153,414
$143,902
$111,704
$83,869
$84,423
$64,350
$64,004
$66,301
$54,676
$55,394
$716
$238
$546
$175
$1,319
$1,986
$68
$1,399
$642
$416
$891
$307
$419
0.36%
0.31%
0.37%
0.14%
1.35%
2.46%
0.15%
2.17%
1.17%
0.77%
1.77%
0.70%
0.85%
0.49%
0.35%
0.26%
0.24%
0.37%
0.62%
0.18%
0.88%
0.99%
0.70%
0.41%
0.61%
0.85%
135.47%
112.18%
69.60%
165.71%
27.45%
25.28%
120.59%
40.39%
84.42%
91.11%
23.01%
86.32%
99.28%
2.39%
0.79%
3.35%
1.33%
11.19%
21.22%
0.99%
14.42%
10.91%
10.89%
12.24%
6.66%
7.11%
0.29%
0.10%
0.27%
0.11%
0.92%
1.78%
0.08%
1.66%
1.00%
0.65%
1.34%
0.56%
0.76%
$120,675
$702
0.97%
0.53%
83.14%
7.96%
0.73%
$222,850
$211,925
$212,896
$200,439
$183,881
$161,799
$176,391
$126,147
$106,203
$113,393
$102,669
$93,536
$86,548
$86,758
$66,737
$61,920
$60,056
$55,558
$1,196
$1,103
$659
$710
$453
$429
$194
$500
$298
$93
$184
$350
$245
$304
$75
$278
$128
$149
0.79%
0.69%
0.63%
0.45%
0.32%
0.66%
0.15%
0.49%
0.69%
0.17%
0.40%
0.65%
0.46%
0.76%
0.15%
0.72%
0.35%
0.50%
0.78%
0.65%
0.29%
0.59%
0.43%
1.87%
0.20%
0.46%
0.72%
0.17%
0.59%
0.38%
1.27%
0.54%
0.81%
0.28%
0.58%
0.79%
99.16%
95.10%
45.52%
132.39%
136.87%
283.22%
131.44%
95.20%
105.03%
101.08%
148.37%
58.86%
276.33%
70.39%
536.00%
38.13%
166.41%
157.72%
4.37%
4.90%
3.17%
3.53%
2.41%
2.34%
1.05%
3.44%
3.76%
0.98%
1.87%
3.84%
20.77%
3.14%
0.90%
4.24%
1.90%
1.70%
0.54%
0.52%
0.31%
0.35%
0.25%
0.27%
0.11%
0.40%
0.28%
0.08%
0.18%
0.37%
0.28%
0.35%
0.11%
0.45%
0.21%
0.27%
$129,428
$408
0.50%
0.63%
148.73%
3.80%
0.30%
$238,785
$232,069
$213,335
$192,104
$187,764
$182,295
$178,320
$153,009
$147,285
$125,289
$124,749
$123,536
$104,589
$100,838
$98,649
$98,385
$513
$434
$2,386
$227
$352
$679
$19
$1,288
$90
$309
$2,424
$788
$1,045
$453
$1,175
$232
0.30%
0.53%
1.65%
0.17%
0.26%
0.50%
0.02%
1.43%
0.10%
0.48%
3.37%
0.85%
1.71%
0.76%
1.60%
0.34%
0.75%
0.95%
0.81%
0.87%
0.53%
3.00%
0.12%
0.58%
1.14%
0.46%
0.66%
1.29%
1.06%
0.52%
0.40%
0.35%
254.00%
177.65%
49.29%
505.73%
204.26%
606.19%
536.84%
40.37%
NM
95.47%
19.51%
151.40%
61.72%
68.65%
25.28%
100.86%
2.40%
1.51%
11.66%
0.96%
5.57%
5.29%
0.08%
9.42%
0.69%
2.02%
58.12%
7.23%
10.17%
7.30%
15.81%
3.83%
0.21%
0.19%
1.12%
0.12%
0.19%
0.37%
0.01%
0.84%
0.06%
0.25%
1.94%
0.64%
1.00%
0.45%
1.19%
0.24%
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.
Asset Quality Page 18 of 27
Asset Quality
September 30, 2015
Run Date: November 7, 2015
As of Date
Delinquent Loans
Total Assets ($000) => 2 months ($000)
Region
State Average
O Bee Credit Union
Industrial Credit Union of Whatcom County
North Coast Credit Union
People's Community Federal Credit Union
NorthWest Plus Credit Union
Peninsula Community Federal Credit Union
Spokane Federal Credit Union
Coulee Dam Federal Credit Union
Great Northwest Federal Credit Union
Community 1st Credit Union
Lower Valley Credit Union
Puget Sound Cooperative Credit Union
Woodstone Credit Union
MountainCrest Credit Union
Cheney Federal Credit Union
Tacoma Longshoremen Credit Union
Primesource Credit Union
Lower Columbia Longshoremen's Federal Credit Union
White River Credit Union
Alaska Airlines/Horizon Air Employees FCU
Waterfront Federal Credit Union
Avista Corp. Credit Union
Safeway Federal Credit Union
WestEdge Federal Credit Union
Progressions Credit Union
Granco Federal Credit Union
Sno Falls Credit Union
State Average
Wyoming
Loan Loss
Reserves / Gross
Loans (%)
Reserves / NPLs
(%)
NPAs / Equity +
LLRs (%)
Delinquent Loans/
Assets (%)
Institution Name
Point West Credit Union
Linn-Co Federal Credit Union
USAgencies Credit Union
KaiPerm Northwest Federal Credit Union
IBEW & United Workers Federal Credit Union
Valley Credit Union
Cascade Central Credit Union
Teamsters Council #37 Federal Credit Union
Washington
NPLs / Loans (%)
WyHy Federal Credit Union
Trona Valley Community Federal Credit Union
Western Vista Federal Credit Union
Atlantic City Federal Credit Union
Reliant Federal Credit Union
Sunlight Federal Credit Union
Campco Federal Credit Union
First Education Federal Credit Union
State Average
Regional Average of Asset Group D
$94,014
$87,485
$79,004
$71,297
$68,970
$67,561
$56,987
$55,526
$238
$787
$114
$99
$112
$514
$54
$15
0.36%
1.20%
0.27%
0.30%
0.36%
1.34%
0.18%
0.07%
1.00%
1.37%
0.34%
1.98%
0.45%
2.27%
0.38%
0.22%
278.99%
114.99%
126.32%
653.54%
125.89%
170.04%
211.11%
340.00%
3.28%
9.33%
1.58%
1.29%
5.34%
12.41%
0.79%
0.48%
0.25%
0.90%
0.14%
0.14%
0.16%
0.76%
0.09%
0.03%
$128,410
$598
0.76%
0.90%
213.83%
7.36%
0.47%
$207,181
$203,070
$190,390
$183,762
$164,280
$162,552
$137,971
$124,780
$121,085
$109,066
$98,672
$98,201
$96,454
$89,433
$84,492
$82,117
$68,009
$66,498
$65,109
$58,859
$56,632
$56,384
$55,541
$54,307
$54,191
$53,167
$52,302
$683
$1,529
$139
$244
$581
$371
$397
$81
$1,021
$442
$468
$311
$402
$336
$80
$5
$561
$533
$182
$28
$5
$69
$507
$101
$41
$448
$302
0.40%
1.20%
0.10%
0.40%
0.54%
0.32%
0.40%
0.11%
1.93%
0.67%
0.67%
0.36%
0.56%
0.56%
0.24%
0.03%
1.09%
1.46%
0.73%
0.13%
0.02%
0.20%
2.07%
0.50%
0.10%
1.21%
0.78%
0.74%
1.04%
0.39%
0.57%
0.57%
0.61%
0.49%
0.58%
1.33%
0.35%
1.21%
0.18%
0.72%
0.52%
0.48%
0.61%
0.61%
0.48%
0.75%
0.30%
0.61%
0.11%
0.52%
0.70%
0.41%
0.34%
0.30%
186.24%
86.98%
396.40%
142.62%
103.79%
188.68%
124.18%
534.57%
69.05%
51.81%
181.62%
51.13%
127.61%
92.26%
197.50%
NM
55.79%
32.65%
102.20%
225.00%
NM
56.52%
25.25%
139.60%
419.51%
27.90%
38.08%
6.61%
10.88%
10.98%
1.09%
3.66%
3.99%
3.31%
1.12%
7.90%
2.94%
22.82%
4.37%
4.58%
4.56%
0.83%
0.05%
7.98%
8.12%
3.85%
0.40%
0.50%
0.81%
4.27%
1.30%
1.17%
6.69%
6.46%
0.33%
0.75%
0.07%
0.13%
0.35%
0.23%
0.29%
0.06%
0.84%
0.41%
0.47%
0.32%
0.42%
0.38%
0.09%
0.01%
0.82%
0.80%
0.28%
0.05%
0.01%
0.12%
0.91%
0.19%
0.08%
0.84%
0.58%
$103,500
$365
0.62%
0.57%
146.28%
4.86%
0.36%
$203,750
$170,697
$136,674
$114,549
$115,972
$105,772
$94,859
$51,794
$294
$1,490
$838
$1,352
$312
$116
$333
$67
0.16%
1.15%
0.96%
1.98%
0.46%
0.30%
0.48%
0.37%
1.04%
0.95%
0.87%
1.06%
0.51%
0.46%
0.42%
0.36%
635.37%
82.48%
90.45%
53.48%
110.26%
151.72%
87.69%
95.52%
2.63%
10.76%
4.35%
10.53%
3.48%
0.84%
3.68%
1.81%
0.14%
0.87%
0.61%
1.18%
0.27%
0.11%
0.35%
0.13%
$124,258
$600
0.73%
0.71%
163.37%
4.76%
0.46%
$118,994
$529
0.70%
0.68%
145.39%
5.91%
0.46%
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.
Asset Quality Page 19 of 27
An Analysis of ACUIA Region 1 Credit Unions
Net Worth
September 30, 2015
Net Worth
Run Date: November 7, 2015
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
Asset Group A - $1 billion and over in total assets
Alaska
Alaska USA Federal Credit Union
State Average
Idaho
Idaho Central Credit Union
State Average
Montana
Whitefish Credit Union Association
State Average
Oregon
OnPoint Community Credit Union
Oregon Community Credit Union
SELCO Community Credit Union
Advantis Credit Union
Rogue Credit Union
State Average
Washington
Boeing Employees Credit Union
Washington State Employees Credit Union
Spokane Teachers Credit Union
Numerica Credit Union
Gesa Credit Union
HAPO Community Credit Union
Sound Credit Union
Whatcom Educational Credit Union
Harborstone Credit Union
Columbia Community Credit Union
Inspirus Credit Union
Kitsap Credit Union
TwinStar Credit Union
State Average
Regional Average of Asset Group A
$6,309,167
$579,316
9.18%
9.77%
9.93%
5.95%
$6,309,167
$579,316
9.18%
9.77%
9.93%
5.95%
$2,267,420
$191,193
8.43%
23.01%
1.70%
3.06%
$2,267,420
$191,193
8.43%
23.01%
1.70%
3.06%
$1,291,112
$152,089
11.78%
8.82%
6.42%
7.11%
$1,291,112
$152,089
11.78%
8.82%
6.42%
7.11%
$3,838,024
$1,382,620
$1,272,585
$1,206,719
$1,044,782
$431,333
$115,355
$135,382
$128,344
$100,620
11.24%
8.34%
10.64%
10.64%
9.63%
12.29%
11.04%
11.43%
9.85%
19.96%
1.54%
3.83%
2.67%
2.39%
9.21%
2.32%
5.64%
4.48%
4.43%
6.64%
$1,748,946
$182,207
10.10%
12.91%
3.93%
4.70%
$13,878,323
$2,331,518
$2,142,131
$1,538,256
$1,536,348
$1,341,980
$1,208,154
$1,173,759
$1,130,179
$1,102,955
$1,049,327
$1,017,566
$1,007,292
$1,484,648
$248,440
$238,958
$169,948
$148,003
$112,284
$162,794
$191,810
$127,094
$129,591
$103,956
$104,889
$104,701
10.70%
10.66%
11.16%
11.05%
9.63%
8.37%
13.47%
16.34%
11.25%
11.75%
9.91%
10.31%
10.39%
14.65%
11.23%
10.67%
10.19%
11.96%
9.80%
11.32%
7.96%
6.07%
9.30%
5.41%
10.50%
7.67%
2.16%
4.20%
2.89%
2.65%
3.01%
1.83%
1.06%
1.38%
4.20%
4.83%
1.51%
0.84%
5.65%
5.07%
9.01%
4.54%
7.84%
6.95%
7.07%
2.75%
3.22%
5.21%
5.71%
2.99%
5.58%
8.26%
$2,342,907
$255,932
11.15%
9.75%
2.79%
5.71%
$2,791,910
$272,147
10.13%
12.85%
4.95%
5.31%
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.
Net Worth Page 21 of 27
September 30, 2015
Net Worth
Run Date: November 7, 2015
As of Date
Region
Total Assets ($000)
Total Net Worth
($000)
Net Worth/
Assets (%)
$924,792
$577,955
$110,042
$51,836
11.90%
8.97%
$751,374
$80,939
$776,527
$620,479
Net Worth
Growth (Decline) YTD (%)
Total Delinquent
Lns/ Net Worth (%)
Classified Assets/
Net Worth (%)
5.68%
14.06%
8.34%
8.87%
7.36%
9.91%
10.44%
9.87%
8.61%
8.64%
$75,397
$56,100
9.71%
9.04%
12.26%
6.02%
3.56%
0.79%
8.27%
2.88%
$698,503
$65,749
9.38%
9.14%
2.18%
5.58%
$976,142
$971,815
$962,440
$878,434
$694,694
$542,272
$93,601
$96,327
$106,509
$91,884
$63,636
$41,865
9.59%
9.91%
11.07%
10.46%
9.16%
7.72%
7.63%
10.22%
8.86%
6.36%
14.28%
15.48%
5.97%
2.68%
3.20%
4.49%
4.95%
2.71%
5.42%
6.10%
3.24%
2.50%
5.57%
3.47%
Institution Name
Asset Group B - $501 million to $1 billion in total assets
Alaska
Credit Union 1
Denali Alaskan Federal Credit Union
State Average
Idaho
Potlatch No. One Federal Credit Union
Westmark Credit Union
Oregon
Northwest Community Credit Union
Unitus Community Credit Union
Oregon State Credit Union
First Community Credit Union
Rivermark Community Credit Union
Marion and Polk Schools Credit Union
Washington
Fibre Federal Credit Union
IQ Credit Union
Horizon Credit Union
Seattle Metropolitan Credit Union
Red Canoe Credit Union
Solarity Credit Union
State Average
State Average
State Average
Wyoming
Warren Federal Credit Union
State Average
Regional Average of Asset Group B
$837,633
$82,304
9.65%
10.47%
4.00%
4.38%
$920,476
$798,615
$709,250
$674,818
$650,318
$601,878
$119,519
$71,050
$81,071
$66,206
$78,083
$90,434
12.98%
8.90%
11.43%
9.81%
12.01%
15.03%
3.07%
10.22%
25.85%
4.92%
5.13%
10.71%
1.58%
2.57%
1.78%
6.06%
4.20%
2.57%
7.01%
7.61%
2.89%
3.47%
4.51%
1.80%
$725,893
$84,394
11.69%
9.98%
3.13%
4.55%
$573,208
$56,127
9.79%
13.63%
8.37%
6.57%
$573,208
$56,127
9.79%
13.63%
8.37%
6.57%
$717,322
$73,902
10.19%
10.62%
5.26%
5.94%
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.
Net Worth Page 22 of 27
September 30, 2015
Net Worth
Run Date: November 7, 2015
As of Date
Region
Total Assets ($000)
Total Net Worth
($000)
Net Worth/
Assets (%)
$441,446
$47,367
10.73%
$441,446
$47,367
$478,025
$374,086
$257,676
$38,614
$35,252
$25,505
$369,929
$422,964
Net Worth
Growth (Decline) YTD (%)
Total Delinquent
Lns/ Net Worth (%)
Classified Assets/
Net Worth (%)
9.02%
4.32%
3.10%
10.73%
9.02%
4.32%
3.10%
8.08%
9.42%
9.90%
10.38%
9.23%
3.33%
3.78%
7.98%
2.18%
1.70%
5.66%
2.47%
$33,124
9.13%
7.65%
4.65%
3.28%
$40,169
9.50%
8.67%
2.96%
8.66%
$422,964
$40,169
9.50%
8.67%
2.96%
8.66%
$303,623
$280,535
$36,848
$28,132
12.14%
10.03%
5.19%
7.92%
1.58%
5.08%
1.04%
5.58%
$292,079
$32,490
11.09%
6.56%
3.33%
3.31%
$492,551
$461,184
$417,688
$396,913
$380,849
$315,986
$307,791
$269,790
$48,681
$45,026
$39,500
$53,205
$32,543
$26,236
$35,105
$32,222
9.88%
9.76%
9.46%
13.40%
8.54%
8.30%
11.41%
11.94%
9.50%
10.87%
18.26%
14.41%
2.33%
8.77%
9.75%
7.15%
2.96%
3.51%
2.38%
4.71%
1.70%
2.37%
2.09%
3.74%
8.41%
7.31%
13.68%
4.84%
5.96%
5.10%
4.81%
1.99%
$380,344
$39,065
10.34%
10.13%
2.93%
6.51%
$315,677
$268,838
$33,631
$29,421
10.65%
10.94%
7.21%
5.21%
2.72%
2.60%
3.49%
4.78%
$292,258
$31,526
10.80%
6.21%
2.66%
4.14%
$366,503
$37,290
10.26%
8.04%
3.47%
4.83%
Institution Name
Asset Group C - $251 to $500 million in total assets
Alaska
Matanuska Valley Federal Credit Union
Idaho
Capital Educators Federal Credit Union
Pioneer Federal Credit Union
East Idaho Credit Union
Montana
Missoula Federal Credit Union
State Average
State Average
State Average
Oregon
Oregonians Federal Credit Union
Clackamas Community Federal Credit Union
State Average
Washington
America's Federal Credit Union
Verity Credit Union
Salal Credit Union
Qualstar Credit Union
Global Credit Union
Tapco Credit Union
Our Community Credit Union
Cascade Federal Credit Union
State Average
Wyoming
Meridian Trust Federal Credit Union
UniWyo Federal Credit Union
State Average
Regional Average of Asset Group C
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.
Net Worth Page 23 of 27
September 30, 2015
Net Worth
Run Date: November 7, 2015
As of Date
Region
Total Assets ($000)
Total Net Worth
($000)
Net Worth/
Assets (%)
$144,048
$136,716
$98,289
$90,583
$68,834
$15,876
$10,052
$15,369
$9,397
$6,857
11.02%
7.35%
15.64%
10.37%
9.96%
$107,694
$11,510
$248,821
$236,302
$201,620
$153,414
$143,902
$111,704
$83,869
$84,423
$64,350
$64,004
$66,301
$54,676
$55,394
Net Worth
Growth (Decline) YTD (%)
Total Delinquent
Lns/ Net Worth (%)
Classified Assets/
Net Worth (%)
5.26%
2.10%
7.84%
14.09%
7.60%
4.79%
7.18%
3.94%
3.48%
1.40%
2.63%
5.34%
9.08%
3.71%
1.66%
10.87%
7.38%
4.16%
4.48%
$33,077
$48,990
$23,455
$14,279
$11,845
$10,539
$7,440
$13,957
$5,345
$5,641
$8,186
$4,343
$6,254
13.29%
20.73%
11.63%
9.31%
8.23%
9.43%
8.87%
16.53%
8.31%
8.81%
12.35%
7.94%
11.29%
6.14%
1.17%
6.65%
7.86%
2.44%
6.61%
3.89%
12.48%
8.15%
5.36%
11.85%
8.80%
6.62%
2.16%
0.49%
2.33%
1.23%
11.14%
18.84%
0.91%
10.02%
12.01%
7.37%
10.88%
7.07%
6.70%
2.93%
0.55%
1.62%
2.03%
3.06%
4.76%
1.10%
4.05%
10.14%
6.72%
2.50%
6.10%
6.65%
$120,675
$14,873
11.29%
6.77%
7.01%
4.02%
$222,850
$211,925
$212,896
$200,439
$183,881
$161,799
$176,391
$126,147
$106,203
$113,393
$102,669
$93,536
$86,548
$86,758
$66,737
$61,920
$60,056
$55,558
$27,147
$23,355
$21,645
$22,570
$19,036
$16,859
$20,691
$14,952
$20,357
$9,433
$13,921
$10,956
$8,176
$9,572
$7,942
$6,454
$6,828
$8,528
12.18%
11.02%
10.17%
11.26%
10.35%
10.42%
11.73%
11.85%
19.17%
8.32%
13.56%
11.71%
9.45%
11.03%
11.90%
10.42%
11.37%
15.35%
5.97%
7.99%
6.01%
3.37%
10.81%
(0.48%)
13.86%
8.89%
6.40%
2.48%
0.90%
4.52%
6.89%
11.17%
8.48%
2.87%
6.08%
3.98%
4.41%
4.72%
3.04%
3.15%
2.38%
2.54%
0.94%
3.34%
1.46%
0.99%
1.32%
3.19%
3.00%
3.18%
0.94%
4.31%
1.87%
1.75%
4.37%
4.49%
1.39%
4.16%
3.26%
7.21%
1.23%
3.18%
1.54%
1.00%
1.96%
1.88%
8.28%
2.24%
5.06%
1.64%
3.12%
2.76%
$129,428
$14,912
11.74%
6.12%
2.59%
3.27%
$238,785
$232,069
$213,335
$192,104
$187,764
$182,295
$178,320
$153,009
$147,285
$125,289
$124,749
$123,536
$104,589
$21,531
$27,918
$19,405
$28,261
$16,027
$13,720
$22,952
$13,229
$12,048
$15,074
$12,134
$10,205
$9,489
9.02%
12.03%
9.10%
14.71%
8.54%
7.53%
12.87%
8.65%
8.18%
12.03%
9.73%
8.26%
9.07%
6.24%
1.35%
9.42%
5.55%
9.40%
1.08%
5.75%
5.74%
9.64%
5.13%
1.55%
6.37%
12.95%
2.38%
1.55%
12.30%
0.80%
2.20%
4.95%
0.08%
9.74%
0.75%
2.05%
19.98%
7.72%
11.01%
6.05%
2.76%
6.06%
4.06%
4.49%
30.00%
0.44%
3.93%
8.39%
1.96%
3.90%
11.69%
6.80%
Institution Name
Asset Group D - $50 to $250 million in total assets
Alaska
Spirit of Alaska Federal Credit Union
True North Federal Credit Union
MAC Federal Credit Union
Northern Skies Federal Credit Union
Tongass Federal Credit Union
State Average
Idaho
Icon Credit Union
TruGrocer Federal Credit Union
Beehive Federal Credit Union
Idaho State University Federal Credit Union
Connections Credit Union
Advantage Plus Federal Credit Union
Latah Federal Credit Union
Cottonwood Community Federal Credit Union
Clarity Credit Union
Scenic Falls Federal Credit Union
Kamiah Community Credit Union
Rails West Federal Credit Union
Lewis Clark Credit Union
State Average
Montana
Altana Federal Credit Union
Valley Federal Credit Union of Montana
Montana Federal Credit Union
Park Side Credit Union
Rocky Mountain Credit Union
1st Liberty Federal Credit Union
Helena Community Credit Union
Billings Federal Credit Union
Lincoln County Credit Union
Bear Paw Credit Union
Southwest Montana Community Federal Credit Union
Embark Federal Credit Union
Sky Federal Credit Union
Richland Federal Credit Union
McCone County Federal Credit Union
Russell Country Federal Credit Union
Fergus Federal Credit Union
Daniels-Sheridan Federal Credit Union
Oregon
Central Willamette Credit Union
NW Priority Credit Union
Mid Oregon Federal Credit Union
Consolidated Federal Credit Union
Wauna Federal Credit Union
St. Helens Community Federal Credit Union
Cascade Community Federal Credit Union
Pacific Crest Federal Credit Union
Pacific NW Federal Credit Union
Providence Federal Credit Union
Old West Federal Credit Union
NW Preferred Federal Credit Union
Malheur Federal Credit Union
State Average
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.
Net Worth Page 24 of 27
September 30, 2015
Net Worth
Run Date: November 7, 2015
As of Date
Region
Total Assets ($000)
Total Net Worth
($000)
Net Worth/
Assets (%)
$100,838
$98,649
$98,385
$94,014
$87,485
$79,004
$71,297
$68,970
$67,561
$56,987
$55,526
$8,497
$8,621
$7,911
$6,782
$9,314
$7,938
$7,205
$5,491
$6,835
$6,764
$7,070
8.43%
8.74%
8.04%
7.21%
10.65%
10.05%
10.11%
7.96%
10.12%
11.87%
12.73%
$128,410
$12,684
$207,181
$203,070
$190,390
$183,762
$164,280
$162,552
$137,971
$124,780
$121,085
$109,066
$98,672
$98,201
$96,454
$89,433
$84,492
$82,117
$68,009
$66,498
$65,109
$58,859
$56,632
$56,384
$55,541
$54,307
$54,191
$53,167
$52,302
Net Worth
Growth (Decline) YTD (%)
Total Delinquent
Lns/ Net Worth (%)
Classified Assets/
Net Worth (%)
9.57%
4.84%
10.35%
4.60%
11.29%
3.75%
8.02%
2.17%
5.65%
9.10%
0.85%
5.33%
13.63%
2.93%
3.51%
8.45%
1.44%
1.37%
2.04%
7.52%
0.80%
0.21%
3.66%
3.45%
2.96%
9.79%
9.72%
1.81%
8.98%
2.57%
12.79%
1.69%
0.72%
9.82%
6.27%
5.11%
6.19%
$17,344
$15,672
$15,673
$22,192
$18,645
$12,108
$13,329
$9,643
$16,256
$17,326
$10,026
$7,975
$9,898
$7,583
$9,542
$9,638
$8,837
$6,573
$9,267
$9,964
$4,252
$8,576
$11,769
$7,644
$4,888
$6,937
$4,556
8.37%
7.72%
8.23%
12.08%
11.35%
7.45%
9.66%
7.73%
13.43%
15.89%
10.16%
8.12%
10.26%
8.48%
11.29%
11.74%
12.99%
9.88%
14.23%
16.93%
7.51%
15.21%
21.19%
14.08%
9.02%
13.05%
8.71%
9.93%
6.82%
0.00%
4.98%
7.66%
1.22%
2.80%
8.20%
8.65%
(0.47%)
11.61%
16.45%
(4.29%)
3.69%
3.09%
7.07%
5.83%
4.62%
8.30%
1.32%
4.14%
4.22%
3.30%
1.59%
9.72%
(0.23%)
10.79%
3.94%
9.76%
0.89%
1.10%
3.12%
3.06%
2.98%
0.84%
6.28%
2.55%
4.67%
3.90%
4.06%
4.43%
0.84%
0.05%
6.35%
8.11%
1.96%
0.28%
0.12%
0.80%
4.31%
1.32%
0.84%
6.46%
6.63%
7.33%
8.49%
3.52%
1.57%
3.23%
5.78%
3.70%
4.49%
4.34%
1.32%
8.48%
1.99%
5.18%
4.09%
1.66%
1.12%
3.54%
2.65%
2.01%
0.63%
4.09%
0.45%
1.09%
1.84%
3.52%
1.80%
2.52%
$103,500
$10,967
11.29%
5.22%
3.32%
3.35%
$203,750
$170,697
$136,674
$114,549
$115,972
$105,772
$94,859
$51,794
$23,460
$20,030
$18,017
$12,993
$10,597
$13,897
$8,761
$3,813
11.51%
11.73%
13.18%
11.34%
9.14%
13.14%
9.24%
7.36%
8.59%
10.66%
5.00%
8.63%
5.97%
8.10%
15.28%
5.04%
1.25%
7.44%
4.65%
10.41%
2.94%
0.83%
3.80%
1.76%
7.96%
6.14%
4.21%
5.56%
3.25%
1.27%
3.33%
1.68%
$124,258
$13,946
10.83%
8.41%
4.14%
4.18%
$118,994
$13,149
10.97%
6.69%
4.39%
4.25%
Institution Name
Heritage Grove Federal Credit Union
Trailhead Federal Credit Union
Pacific Cascade Federal Credit Union
Point West Credit Union
Linn-Co Federal Credit Union
USAgencies Credit Union
KaiPerm Northwest Federal Credit Union
IBEW & United Workers Federal Credit Union
Valley Credit Union
Cascade Central Credit Union
Teamsters Council #37 Federal Credit Union
State Average
Washington
O Bee Credit Union
Industrial Credit Union of Whatcom County
North Coast Credit Union
People's Community Federal Credit Union
NorthWest Plus Credit Union
Peninsula Community Federal Credit Union
Spokane Federal Credit Union
Coulee Dam Federal Credit Union
Great Northwest Federal Credit Union
Community 1st Credit Union
Lower Valley Credit Union
Puget Sound Cooperative Credit Union
Woodstone Credit Union
MountainCrest Credit Union
Cheney Federal Credit Union
Tacoma Longshoremen Credit Union
Primesource Credit Union
Lower Columbia Longshoremen's Federal Credit Union
White River Credit Union
Alaska Airlines/Horizon Air Employees FCU
Waterfront Federal Credit Union
Avista Corp. Credit Union
Safeway Federal Credit Union
WestEdge Federal Credit Union
Progressions Credit Union
Granco Federal Credit Union
Sno Falls Credit Union
Wyoming
WyHy Federal Credit Union
Trona Valley Community Federal Credit Union
Western Vista Federal Credit Union
Atlantic City Federal Credit Union
Reliant Federal Credit Union
Sunlight Federal Credit Union
Campco Federal Credit Union
First Education Federal Credit Union
State Average
State Average
Regional Average of Asset Group D
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.
Net Worth Page 25 of 27
An Analysis of ACUIA Region 1 Credit Unions
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.
(Current Net Worth - Prior Period Net Worth)/ Prior Period Net Worth.
Net Worth
Growth (Decline)
- YTD (%)
Total Delinquent Loans / Net Worth.
Total Delinquent
Lns / Net Worth
(%)
Classified
Assets /
Net Worth (%)
Source: SNL Financial
Classified Assets (Allowance for Loan Losses+Appropriation for Non-Conforming Investments) / Net Worth.
Definitions Page 27 of 27