Pennsylvania. Pennsylvania. First Quarter Prepared by: CUNA Economics and Statistics
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1 Third Mid Quarter Year Pennsylvania Pennsylvania First Quarter 2017 Prepared by: CUNA Economics and Statistics
2 Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 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 - rewards Credit card - platinum Pennsylvania Credit Unions Pennsylvania 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 Pennsylvania Credit Unions Pennsylvania Banks
5 Comparative Fees by Type $1, $1, $30.43 $33.42 $24.56 $34.18 Share draft checking, NSF fee Credit cards, late fee Mortgages, closing costs Pennsylvania Credit Unions Pennsylvania Banks
6 Pennsylvania Credit Union and Banking Institution September 2018 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 - rewards 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 $30.43 $ $2.99 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 $119,608,217 $83,499,368 $59,275,879 $34,926,445 $19,228,001 -$3,421,254 -$565,876 -$1,506,310 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 $41,763,098 $10,701,811 $12,103,462 $7,094,537 $2,646,597 Regular shares Share draft checking Money market accounts Certificate accounts Retirement (IRA) accounts
9 Rate Total Avg. Balance Difference Financial Benefit at vs. Pennsylvania to Your Loans Credit Unions (1) Banks (%) (2) Members New car loans 3,854,088, $59,275,879 Used car loans 6,232,840, $119,608,217 Personal unsecured loans 1,766,638, $34,926,445 5-year adjustable rate 1st mortgage 4,223,769, $3,421, year fixed rate 1st mortgage 3,772,504, $565, year fixed rate 1st mortgage 3,138,144, $1,506,310 Home equity / 2nd mortgage loans 4,360,090, $19,228,001 Credit cards 2,173,330, $83,499,368 Interest rebates $82,517 Total CU member benefits arising from lower interest rates on loan products: $311,126,988 Savings Regular shares 14,478,647, $7,094,537 Share draft checking 5,753,472, $2,646,597 Money market accounts 8,046,474, $10,701,811 Certificate accounts 7,607,121, $41,763,098 Retirement (IRA) accounts 3,549,402, $12,103,462 Bonus dividends in period $0 Total CU member benefit arising from higher interest rates on savings products: $74,309,505 Fee Income Estimated Financial Benefits for Pennsylvania Credit Unions September 2018 Total CU member benefit arising from fewer / lower fees: $39,564,056 Total CU member benefit arising from interest rates on loans, savings products and lower fees: $425,000,549 Total CU member benefit / member: $104 Total CU member benefit / member household: $218 Source: Datatrac, NCUA, and CUNA (1) Average balance as of September 2018 and September 2017, according to the NCUA call report.; (2) Source for rates and fees: Datatrac;
10 Pennsylvania Credit Union Performance Profile Demographic Information Sep 18 Sep 17 Number of branches Total assets ($ mil) 48,166 45,761 Total loans ($ mil) 32,175 29,378 Total surplus funds ($ mil) 14,124 14,635 Total savings ($ mil) 40,902 39,249 Total members (thousands) 4,177 4,034 Growth Rates (Trailing 12 months) * Total assets 5.7 % 6.5 % Total loans 9.8 % 10.6 % Total surplus funds -2.9 % -1.3 % Total savings 4.7 % 6.2 % Total members 4.2 % 3.8 % 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 9 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 ($) 9,793 9,730 Average loan balances ($) 13,626 13,330 Salary & Benefits / FTE 70,188 67,434 * 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.
11
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