Mid-Year Minnesota. Minnesota. First Quarter Prepared by: CUNA Economics and Statistics
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1 Mid-Year 2017 Minnesota Minnesota First Quarter 2017 Prepared by: CUNA Economics and Statistics
2 Source: Datatrac, NCUA, and CUNA. (1)Assumes 1.9 credit union members per household.
3 Loan Product Comparative Interest Rates (%) by Loan Type month new car (A paper) 48-month used car (A paper) Unsecured loan (A paper) 5-year adjustable rate 15-year fixed rate 1st 30-year fixed rate 1st 1st mortgage, 0 mortgage, 0 ptsmortgage, 0 pts pts Home equity / 2nd mtg, 80% LTV 0 pts Credit card - classic Credit card - platinum Minnesota Credit Unions Minnesota Banks
4 Savings Product Comparative Interest Rates (%) by Savings Account Type Retirement (IRA) accounts Year certificate $10,000 balance Money market accounts Share draft checking, $5,000 balance Regular savings, $1,000 balance Minnesota Credit Unions Minnesota Banks
5 Comparative Fees by Type $1, $1, $28.44 $30.27 $24.56 $34.18 Share draft checking, NSF fee Credit cards, late fee Mortgages, closing costs Minnesota Credit Unions Minnesota Banks
6 Minnesota Credit Union and Banking Institution June 2017 Average Interest Rates and Fees Average Rate at Average Rate Rate Difference Loan Products Credit Unions (%) at Banks (%) vs. Banks (%) 60-month new car (A paper) month used car (A paper) Unsecured loan (A paper) year adjustable rate 1st mortgage, 0 pts year fixed rate 1st mortgage, 0 pts year fixed rate 1st mortgage, 0 pts Home equity / 2nd mtg, 80% LTV 0 pts Credit card - classic Credit card - platinum Savings Products Regular savings, $1,000 balance Share draft checking, $5,000 balance Money market accounts Year certificate $10,000 balance Retirement (IRA) accounts Fee Income Share draft checking, NSF fee $28.44 $ $1.83 Credit cards, late fee $24.56 $ $9.62 Mortgages, closing costs $1, $1, $ Source: Datatrac
7 State Credit Union's Total Loan Rate Benefits Compared to State Banking Institutions by Loan Type $57,148,984 $28,328,933 $19,033,956 $2,735,698 $6,673,792 -$2,945,145 -$902,417 -$910,679 New car loans Used car loans Personal unsecured loans 5-year adjustable rate 1st mortgage 15-year fixed rate 1st mortgage 30-year fixed rate 1st mortgage Home equity / 2nd mortgage loans Credit cards
8 State Credit Union's Total Savings Dividend Benefits Compared to State Banking Institutions by Account Type $3,675,540 $2,313,182 $936,898 $1,036,740 $59,023 Regular shares Share draft checking Money market accounts Certificate accounts Retirement (IRA) accounts
9 Rate Total Avg. Balance Difference Financial Benefit at vs. Minnesota to Your Loans Credit Unions (1) Banks (%) (2) Members New car loans 1,202,397, $19,033,956 Used car loans 3,129,736, $57,148,984 Personal unsecured loans 381,990, $2,945,145 5-year adjustable rate 1st mortgage 2,910,316, $2,735, year fixed rate 1st mortgage 1,640,757, $902, year fixed rate 1st mortgage 1,230,647, $910,679 Home equity / 2nd mortgage loans 1,562,948, $6,673,792 Credit cards 627,093, $28,328,933 Interest rebates $150,826 Total CU member benefits arising from lower interest rates on loan products: $109,313,949 Savings Regular shares 6,245,987, $936,898 Share draft checking 2,951,147, $59,023 Money market accounts 4,535,650, $2,313,182 Certificate accounts 3,252,690, $3,675,540 Retirement (IRA) accounts 1,264,316, $1,036,740 Bonus dividends in period $0 Total CU member benefit arising from higher interest rates on savings products: $8,021,382 Fee Income Estimated Financial Benefits for Minnesota Credit Unions June 2017 Total CU member benefit arising from fewer / lower fees: $13,425,376 Total CU member benefit arising from interest rates on loans, savings products and lower fees: $130,760,707 Total CU member benefit / member: $78 Total CU member benefit / member household: $147 Source: Datatrac, NCUA, and CUNA (1) Average balance as of June 2017 and June 2016, according to the NCUA call report.; (2) Source for rates and fees: Datatrac;
10 Minnesota Credit Union Performance Profile Demographic Information Jun 17 Jun 16 Number of branches Total assets ($ mil) 22,011 20,566 Total loans ($ mil) 15,007 13,454 Total surplus funds ($ mil) 5,989 6,206 Total savings ($ mil) 19,211 17,826 Total members (thousands) 1,712 1,664 Growth Rates (Trailing 12 months) * Total assets 7.3 % 6.8 % Total loans 11.8 % 11.7 % Total surplus funds -3.2 % -3.1 % Total savings 8.0 % 6.8 % Total members 3.2 % 3.9 % Earnings - Basis Pts. * Yield on total assets Dividend / interest cost of assets Fee & other income Operating expense Loss Provisions Net Income (ROA) after stabilization exp Capital Adequacy Net worth / assets Asset Quality * Delinquencies / loans Net chargeoffs / average loans Total borrower-bankruptcies 10 9 Bankruptcies per 1000 members Asset/Liability Management Loans / savings Loans / assets Long-term assets / assets Core deposits/shares & borrowings Productivity Members / potential members Borrowers / members Members / FTE Average shares / members ($) 11,219 10,710 Average loan balances ($) 13,635 12,846 Salary & Benefits / FTE 73,115 70,870 * Earnings, net chargeoffs, and bankruptcies are year-to-date numbers annualized. Due to significant seasonal variation, balance sheet growth rates are for the trailing 12 months.
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