U.S. Credit Union Profile. Mid-Year 2018

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2 U.S. Demographic Information Number of CUs 5,594 5,684 5,906 6,143 6,398 6,680 6,956 Assets per CU ($ mil) Median assets ($ mil) Total assets ($ bil) 1,446 1,395 1,309 1,219 1,136 1,075 1,035 Total loans ($ bil) 1, Total surplus funds ($ bil) Total savings ($ bil) 1,222 1,174 1,107 1, Total memberships (thousands) 115, , , , ,512 97,449 95,058 Growth Rates (%) Total assets Total loans Total surplus funds Total savings Total memberships % CUs with increasing assets Earnings - Basis Pts. Yield on total assets Dividend/interest cost of assets Net interest margin Fee & other income Operating expense Loss Provisions Net Income (ROA) with Stab Exp Net Income (ROA) without Stab Exp % CUs with positive ROA Capital Adequacy (%) Net worth/assets % CUs with NW > 7% of assets Asset Quality Delinquencies (60+ day $)/loans (%) Net chargeoffs/average loans (%) Total borrower-bankruptcies 197, , , , , , ,987 Bankruptcies per CU Bankruptcies per 1000 members Asset/Liability Management Loans/savings Loans/assets Net Long-term assets/assets Liquid assets/assets Core deposits/shares & borrowings Productivity Members/potential members (%) Borrowers/members (%) Members/FTE Average shares/member ($) 10,594 10,419 10,229 9,896 9,582 9,462 9,358 Average loan balance ($) 15,298 14,883 14,275 13,770 13,261 12,870 12,690 Employees per million in assets Structure (%) Fed CUs w/ single-sponsor Fed CUs w/ community charter Other Fed CUs CUs state chartered Source: NCUA and CUNA E&S. Overview: National Trends U.S. Credit Union Profile U.S. 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. US Totals include only credit unions that are released on the NCUA 5300 Call Report file.

3 Loan and Savings Growth Trends Liquidity Trends Growth Rates (%) Loans-to-Savings Ratio (%) Loan Growth Savings Growth Credit Risk Trends Interest Rate Risk Trends Asset Quality (%) Long-Term Assets as a Percent of Total Assets Day Dollar Delinquency (right) Net Chargeoffs (left) Earnings Trends ROA Trends Solvency Trends Net Worth Ratio Profile (%) NW Ratio (right) Percent of CUs > 7% (left)

4 Asset Yields and Funding Costs Interest Margins Asset Yields and Costs Net Interest Margin Asset Yields Interest Cost of Assets Interest Margins & Overhead Noninterest Income Income and Expense Components 145 Fee & Other Noninterest Income Operating Exp. (bp) Net Interest Margin (bp) Membership Growth Trends Borrower Bankruptcies Membership Growth (%) CU Bankruptcy Profile Per CU (right) Per 1,000 members (left)

5 Overview: National Results by Asset Size U.S. All U.S. Asset Groups Demographic Information < $20Mil $20-$50 $50- > $1 Bil Number of CUs 5,594 2,204 1, Assets per CU ($ mil) ,048.9 Median assets ($ mil) ,700.6 Total assets ($ bil) 1, Total loans ($ bil) 1, Total surplus funds ($ bil) Total savings ($ bil) 1, Total memberships (thousands) 115,375 2,587 3,885 5,553 10,934 11,519 14,338 66,558 Growth Rates (%) Total assets Total loans Total surplus funds Total savings Total memberships % CUs with increasing assets Earnings - Basis Pts. Yield on total assets Dividend/interest cost of assets Net interest margin Fee & other income Operating expense Loss Provisions Net Income (ROA) with Stab Exp Net Income (ROA) without Stab Exp % CUs with positive ROA Capital Adequacy (%) Net worth/assets % CUs with NW > 7% of assets Asset Quality Delinquencies (60+ day $)/loans (%) Net chargeoffs/average loans (%) Total borrower-bankruptcies 197,564 3,610 6,030 12,164 19,218 21,048 26, ,586 Bankruptcies per CU Bankruptcies per 1000 members Asset/Liability Management (%) Loans/savings Loans/assets Net Long-term assets/assets Liquid assets/assets Core deposits/shares & borrowings Productivity Members/potential members (%) Borrowers/members (%) Members/FTE Average shares/member ($) 10,594 5,457 7,618 8,233 9,051 9,502 10,361 11,658 Average loan balance ($) 15,298 7,627 9,289 10,127 12,390 13,986 15,187 16,807 Employees per million in assets Structure (%) Fed CUs w/ single-sponsor Fed CUs w/ community charter Other Fed CUs CUs state chartered 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. US Totals include only credit unions that are released on the NCUA 5300 Call Report file. Source: NCUA and CUNA E&S.

6 Results By Asset Size Loan and Savings growth Liquidity Risk Exposure Growth Rates By Asset Size Category (%) Loan-to-Savings Ratio (%) By Asset Size Category < $20Mil $20-$50 $50- Loan Growth Savings Growth > $1 Bil < $20Mil $20-$50 $50- > $1 Bil Credit Risk Exposure < $20Mil Asset Quality By Asset Size Category $20- $50 $ Day Dollar Delinquency (left) Net Chargeoffs (right) > $1 Bil Interest Rate Risk Exposure 12.6 Long-Term Assets as a Percent of Total Assets by Asset Size Category < $20Mil $20-$50 $ > $1 Bil Earnings Solvency ROA in Basis Points by Asset Size Category Net Worth Ratios by Asset Size Category (Percent of Assets) < $20Mil $20- $50 ROA (left) 54 $ > $1 Bil Percent with positive ROA (right) 20 0 < $20Mil $20-$50 $50- > $1 Bil

7 Portfolio: National Trends U.S. U.S. Growth Rates Credit cards 9.1% 9.1% 7.9% 6.1% 7.9% 7.7% 5.7% Other unsecured loans 7.3% 8.5% 7.3% 8.5% 10.0% 9.1% 4.8% New automobile 11.7% 13.1% 16.8% 16.0% 20.9% 12.7% 8.6% Used automobile 9.9% 10.2% 12.4% 12.7% 12.9% 10.5% 7.9% First mortgage 10.6% 10.1% 9.8% 10.3% 9.1% 8.7% 5.9% HEL & 2nd Mtg 5.1% 7.0% 3.5% 3.5% 1.3% -4.0% -8.1% Commercial loans* -6.6% -5.0% 14.4% 12.4% 12.4% 10.0% 6.5% Share drafts 8.2% 9.5% 2.5% 14.5% 10.3% 6.6% 10.6% Certificates 7.2% 6.2% 5.0% 0.4% -1.3% -3.2% -3.1% IRAs -1.1% -0.6% 1.9% -0.3% -2.0% -0.8% 1.8% Money market shares 1.9% 4.0% 7.5% 5.7% 3.1% 4.5% 7.5% Regular shares 6.5% 7.0% 11.8% 9.6% 8.0% 8.1% 12.4% Portfolio $ Distribution Credit cards/total loans 5.7% 6.0% 6.0% 6.2% 6.4% 6.6% 6.5% Other unsecured loans/total loans 4.1% 4.2% 4.3% 4.4% 4.5% 4.5% 4.4% New automobile/total loans 13.8% 13.7% 13.3% 12.6% 12.0% % 10.5% Used automobile/total loans 21.1% 20.8% 20.8% 20.5% 20.1% 19.6% 19.1% First mortgage/total loans 40.8% 40.6% 40.6% 40.9% 41.0% 41.5% 41.0% HEL & 2nd Mtg/total loans 8.3% 8.6% 8.8% 9.4% 10.1% % 12.3% Commercial loans/total loans 6.8% 6.7% 7.8% 7.5% 7.4% 7.2% 7.1% Share drafts/total savings 14.9% 14.6% 14.1% 14.8% 13.8% 13.1% 12.7% Certificates/total savings 18.2% 18.3% 18.2% 18.7% 19.9% 21.0% 22.5% IRAs/total savings 6.4% 6.7% 7.1% 7.5% 8.1% 8.6% 9.0% Money market shares/total savings 21.7% 22.4% 22.8% 22.8% 23.0% 23.3% 23.1% Regular shares/total savings 37.0% 36.4% 36.0% 34.7% 33.8% 32.7% 31.4% Percent of CUs Offering Credit cards 61.3% 61.2% 60.1% 58.8% 57.6% 56.3% 54.9% Other unsecured loans 99.2% 99.4% 98.6% 98.3% 98.2% 98.2% 98.1% New automobile 95.7% 95.6% 95.5% 95.3% 95.1% 94.9% 94.7% Used automobile 96.9% 96.9% 96.8% 96.5% 96.4% 96.2% 96.0% First mortgage 68.3% 67.9% 66.9% 65.8% 64.9% 63.5% 62.3% HEL & 2nd Mtg 69.6% 69.8% 69.8% 69.6% 69.4% 68.5% 68.2% Commercial loans 34.0% 34.2% 37.8% 36.8% 35.8% 34.0% 32.6% Share drafts 79.8% 79.8% 79.2% 78.6% 78.0% 77.1% 76.4% Certificates 81.1% 80.9% 80.3% 79.6% 79.1% 78.6% 78.3% IRAs 68.4% 68.3% 67.9% 67.1% 66.7% 66.2% 66.0% Money market shares 51.3% 50.8% 49.8% 48.8% 48.0% 47.1% 46.1% Number of Loans as a Percent of Members in Offering CUs Credit cards 18.7% 18.9% 18.9% 18.7% 18.4% 17.9% 17.4% Other unsecured loans 11.6% 12.2% 12.4% 12.2% 12.1% 11.8% 11.3% New automobile 6.0% 5.8% 5.5% 5.0% 4.6% 4.2% 4.2% Used automobile 14.9% 14.6% 14.1% 13.5% 13.0% 12.5% 11.9% First mortgage 2.5% 2.4% 2.4% 2.4% 2.3% 2.2% 2.2% HEL & 2nd Mtg 2.1% 2.1% 2.1% 2.2% 2.2% 2.3% 2.4% Commercial loans 0.2% 0.2% 0.3% 0.3% 0.3% 0.3% 0.3% Share drafts 57.0% 56.8% 56.0% 55.7% 54.8% 53.4% 52.2% Certificates 7.7% 7.7% 7.8% 8.1% 8.8% 9.4% 10.3% IRAs 4.2% 4.3% 4.6% 4.8% 5.2% 5.4% 5.7% Money market shares 6.9% 6.9% 7.1% 7.4% 7.6% 7.8% 8.1% Current period flow statistics are trailing four quarters. *Prior to third quarter, these were reported as member business loans. This change may cause fluctuations from prior cycles. Source: NCUA and CUNA E&S.

8 Growth Rates < $20 Mil $20-$50 $50- il > il Credit cards 9.1% -0.5% -0.1% 0.7% 3.3% 3.0% 4.4% 11.3% Other unsecured loans 7.3% 2.7% 3.2% 4.0% 4.0% 5.3% 12.4% 8.9% New automobile 11.7% 8.2% 9.3% 12.2% 15.1% 13.6% 14.8% 11.3% Used automobile 9.9% 5.7% 6.7% 8.3% 9.3% 10.8% 9.0% 11.3% First mortgage 10.6% 2.7% 5.6% 4.9% 8.2% 7.8% 10.9% 11.7% HEL & 2nd Mtg 5.1% -2.1% -0.3% 3.6% 2.7% 8.0% 7.6% 5.4% Commercial loans* -6.6% -15.9% -20.2% -12.2% -10.3% -9.4% -0.5% -6.4% Share drafts 8.2% 6.9% 7.2% 6.6% 7.7% 8.3% 9.1% 9.1% Certificates 7.2% -4.9% -4.3% -1.9% 0.4% 4.2% 5.6% 9.9% IRAs -1.1% -7.9% -4.2% -4.0% -3.6% -2.0% -2.0% 0.3% Money market shares 1.9% -3.4% -2.1% -1.5% -0.6% -0.2% 1.0% 3.1% Regular shares 6.5% 0.6% 2.6% 3.9% 5.0% 5.5% 6.7% 8.5% Portfolio $ Distribution Credit cards/total loans 5.7% 2.7% 4.0% 4.0% 3.8% 4.1% 4.2% 6.6% Other unsecured loans/total loans 4.1% 15.8% 8.5% 6.5% 5.0% 4.4% 4.2% 3.5% New automobile/total loans 13.8% 20.3% 14.6% 13.5% 12.4% 12.8% 13.7% 14.0% Used automobile/total loans 21.1% 35.5% 30.2% 28.8% 27.1% 25.6% 23.8% 18.7% First mortgage/total loans 40.8% 10.8% 25.2% 29.2% 33.7% 36.1% 38.9% 43.8% HEL & 2nd Mtg/total loans 8.3% 5.6% 9.3% 9.5% 9.3% 9.9% 8.6% 8.0% Commercial loans/total loans 6.8% 0.7% 1.8% 3.9% 5.7% 7.5% 8.4% 6.9% Share drafts/total savings 14.9% 10.1% 15.4% 17.9% 18.8% 19.6% 19.6% 12.7% Certificates/total savings 18.2% 10.8% 12.2% 13.8% 15.4% 16.6% 16.9% 19.6% IRAs/total savings 6.4% 3.1% 5.5% 6.1% 6.2% 5.9% 6.0% 6.7% Money market shares/total savings 21.7% 4.0% 9.2% 12.4% 15.6% 17.5% 19.7% 24.8% Regular shares/total savings 37.0% 69.7% 55.6% 48.2% 42.0% 38.2% 36.2% 34.4% Percent of CUs Offering Credit cards 61.3% 25.5% 74.8% 85.0% 87.7% 92.1% 93.1% 94.4% Other unsecured loans 99.2% 98.2% 100.0% 99.7% 100.0% 100.0% 100.0% 100.0% New automobile 95.7% 89.3% 99.8% 99.7% 100.0% 100.0% 99.6% 100.0% Used automobile 96.9% 92.3% 99.8% 99.9% 99.9% 99.4% 100.0% 99.7% First mortgage 68.3% 28.9% 84.2% 95.5% 99.3% 100.0% 100.0% 99.7% HEL & 2nd Mtg 69.6% 32.8% 84.4% 94.5% 98.3% 99.4% 100.0% 100.0% Commercial loans 34.0% 5.2% 23.5% 42.1% 67.8% 78.0% 83.7% 89.5% Share drafts 79.8% 51.1% 96.4% 99.2% 99.4% 100.0% 100.0% 99.0% Certificates 81.1% 57.4% 92.7% 97.1% 98.6% 99.4% 99.2% 98.7% IRAs 68.4% 31.8% 82.6% 92.0% 97.7% 98.6% 99.6% 99.3% Money market shares 51.3% 13.5% 53.6% 74.6% 88.2% 91.0% 92.7% 95.1% Number of Loans as a Percent of Members in Offering CUs Credit cards 18.7% 13.0% 13.4% 13.8% 15.0% 15.2% 16.9% 20.9% Other unsecured loans 11.6% 17.1% 13.5% 12.1% 11.3% 11.1% 11.4% 11.5% New automobile 6.0% 3.7% 4.2% 5.2% 4.3% 4.6% 5.7% 6.8% Used automobile 14.9% 11.6% 13.8% 15.7% 15.7% 15.4% 15.9% 14.5% First mortgage 2.5% 1.3% 1.9% 2.4% 2.6% 2.5% 2.3% 2.5% HEL & 2nd Mtg 2.1% 1.2% 1.5% 1.6% 2.0% 2.0% 2.0% 2.2% Commercial loans 0.2% 0.7% 0.5% 0.4% 0.3% 0.3% 0.3% 0.2% Share drafts 57.0% 33.1% 42.7% 48.1% 53.1% 55.1% 58.4% 60.3% Certificates 7.7% 4.8% 5.1% 5.6% 6.3% 6.4% 6.7% 8.7% IRAs 4.2% 2.4% 2.9% 3.3% 3.6% 3.6% 3.8% 4.7% Money market shares 6.9% 3.8% 3.6% 3.8% 4.5% 5.4% 5.9% 8.0% Current period flow statistics are trailing four quarters. *Prior to third quarter, these were reported as member business loans. This change may cause fluctuations from prior cycles. Source: NCUA and CUNA E&S. Portfolio Detail: National Results by Asset Size U.S. All U.S. Asset Groups

9 U.S. CU Profile - Quarterly Trends U.S. U.S. Demographic Information Mar 18 Dec 17 Sep 17 Jun 17 Number CUs 5,594 5,643 5,684 5,757 5,811 Growth Rates (Quarterly % Change) Total loans Credit cards Other unsecured loans New automobile Used automobile First mortgage HEL & 2nd Mtg Commercial loans* Total savings Share drafts Certificates IRAs Money market shares Regular shares Total memberships Earnings (Basis Points) Yield on total assets Dividend/interest cost of assets Fee & other income Operating expense Loss Provisions Net Income (ROA) % CUs with positive ROA Capital Adequacy (%) Net worth/assets % CUs with NW > 7% of assets Asset Quality (%) Loan delinquency rate - Total loans Total Consumer Credit Cards All Other Consumer Total Mortgages First Mortgages All Other Mortgages Total Commercial Loans Commercial Ag Loans All Other Commercial Loans Net chargeoffs/average loans Total Consumer Credit Cards All Other Consumer Total Mortgages First Mortgages All Other Mortgages Total Commercial Loans Commercial Ag Loans All Other Commercial Loans Asset/Liability Management Loans/savings Earnings & net chargeoffs are annualized quarterly results not seasonally adjusted. Growth rates are not annualized. Delinquency rates are 60+ day dollar delinquencies. Net chargeoffs are dollar chargeoffs net of recoveries. Totals include only credit unions that are released on the NCUA 5300 Call Report file. *Prior to third quarter, these were reported as member business loans. This change may cause fluctuations from prior cycles. Source: NCUA and CUNA E&S.

10 U.S. Bank Comparisons Demographic Information 3 Yr Avg 3 Yr Avg Number of Institutions 5,591 5,682 5,903 5,725 5,550 5,664 5,912 5,709 Assets per Institution ($ mil) ,174 3,075 2,838 3,029 Total assets ($ mil) 1,446,361 1,395,322 1,309,138 1,383,607 17,615,459 17,413,996 16,780,076 17,269,844 Total loans ($ mil) 1,017, , , ,898 9,900,851 9,719,857 9,305,313 9,642,007 Total surplus funds ($ mil) 369, , , ,152 5,943,274 5,977,584 5,769,872 5,896,910 Total savings ($ mil) 1,222,322 1,173,715 1,107,119 1,167,718 13,515,217 13,397,353 12,894,600 13,269,056 Avg number of branches (1) Month Growth Rates (%) Total assets Total loans Real estate loans Commercial loans* Total consumer Consumer credit card Other consumer Total surplus funds Total savings YTD Earnings Annualized (BP) Yield on Total Assets Dividend/Interest cost of assets Net Interest Margin Fee and other income (2) Operating expense Loss provisions Net income Capital Adequacy (%) Net worth/assets Asset Quality (%) Delinquencies/loans (3) Real estate loans Consumer loans Total consumer Consumer credit card Other consumer Net chargeoffs/avg loans Real estate loans Commercial loans Total consumer Consumer credit card Other consumer Asset Liability Management (%) Loans/savings Loans/assets Core deposits/total deposits Productivity Employees per million assets *Prior to third quarter, these were reported as member business loans. This change may cause fluctuations from prior cycles. Source: FDIC, NCUA and CUNA E&S

11 Credit Union and Bank Comparisons Loan and Savings Growth Trends Growth Rates Liquidity Risk Trends Ratio of Toal Loans-to-Total Savings (%) Savings Loans Credit Risk Trends Credit Risk Trends Total Delinquency Ratio (%) Net Chargeoffs as Percent of Avg Loans Earnings Trends Solvency Trends ROA Trends Net Worth Ratio (%)