# of Credit Unions As of March 31, 2011
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1 # of Credit Unions # of Credit Unins # of Credit Unions As of March 31, ,600 8,400 8,200 8,000 8,478 8,215 7,800 7,909 7,600 7,400 7,651 7,442 7,200 7,000 6,800 # of Credit Unions -Trend By Asset-Based Peer Groups 9,000 8,000 7,000 6,000 5,000 4, , , , , , , , ,437 3,000 2,000 2,362 2,227 2,049 1,910 1,787 1, ,423 1,319 1,182 1, Under $2M $2M-$10M $10M-$50M $50M-$100M $100M-$500M $500M+ Source: CUDATA.COM 1 st Qtr 2011 Page 1
2 Net Worth to Total Assets (%) Source: CUDATA.COM 1 st Qtr 2011 Page 2
3 In Billions Net-Worth Growth Trend $96.00 $94.00 $92.00 $ $ $89.84 $ $88.00 $86.00 $84.00 $84.96 $ $82.00 $ $ Total Net-Worth ($) 3-Month % Growth (Annualized) 12-Month % Growth Return On Assets (ROA ) - Annualized Source: CUDATA.COM 1 st Qtr 2011 Page 3
4 In Billions ROA (Before and After NCUA Assessments Expense) Before Assessments 0.73 After Assessments $2.00 $1.00 Net Income Trend ($ In Billions) $1.34 $1.18 $1.06 $1.71 $0 ($1.00) ($2.00) ($3.00) ($4.00) ($3.21) Source: CUDATA.COM 1 st Qtr 2011 Page 4
5 In Millions In Billions $2.00 $1.80 $1.60 $1.40 $1.20 $1.00 $0.80 $0.60 $0.40 $0.20 $0 NCUA Assessments Impact On Net Income (In Billions) 1st Qtr 2011 $1.90 Income/(Loss) Before NCUA Assessments $6 NCUSIF Premium Expense $0.13 Corporate CU Stablization Fund Expense $1.71 Income/(Loss) After NCUA Assessments Membership Growth Trend # of Members 3-Month % Growth (Annualized) 12-Month % Growth Source: CUDATA.COM 1 st Qtr 2011 Page 5
6 In Billions In Billions Asset Growth Trend $1,00 $90 $80 $70 $751.1 $ $ $909.8 $ $60 $50 $ $30 $ $10 $- Total Assets ($) 3-Month % Growth (Annualized) 12-Month % Growth Loans Growth Trend $58 $56 $54 $52 $ $ $506.6 $573.7 $ $ $48 $ Total Loans ($) 3-Month % Growth (Annualized) 12-Month % Growth Source: CUDATA.COM 1 st Qtr 2011 Page 6
7 In Billions Vehicle Loan Growth Trend $18 $ $176.3 $ $ $ $ $165.0 $ $ $ Total Vehicle Loans ($) 3-Month % Growth (Annualized) 12-Month % Growth Source: CUDATA.COM 1 st Qtr 2011 Page 7
8 In Billions 15.0 Vehicle Vs. Real Estate Loan Growth Trend Vehicle 3-Month % Growth (Annualized) Real Estate 3-Month % Growth (Annualized) $80 Loans Granted - All Loans Vs. RE Loans (In Billions) $70 $68.68 $60 $50 $57.17 $60.88 $51.80 $58.13 $40 $30 $20 $20.44 $25.46 $31.17 $18.57 $21.62 $10 $- Total Loans Granted (1st Qtr 2011) Total Real Estate Loans Granted (1st Qtr 2011) Source: CUDATA.COM 1 st Qtr 2011 Page 8
9 Loan Portfolio Composition As of March 31, Credit Card Loans All Other Unsecured Loans New Vehicle Loans Used Vehicle Loans 1st Mortgage/LOC Other RE Loans + LOC Leases Receivable All Other Loans/LOC Total Loans To Total Deposits (%) Source: CUDATA.COM 1 st Qtr 2011 Page 9
10 In Billions 2.0 Loan Delinquency and Net-Charge Offs Trend Delinquent Loans To Total Loans Net Charge Offs To Avg Loans (Annualized) Foreclosed & Repossessed Assets (In Billions) $2.50 $2.00 $1.73 $1.64 $1.95 $1.50 $1.33 $1.20 $1.00 $0.50 $- $0.85 $0.69 $0.42 $0.32 $0.40 $0.20 $0.20 $0.26 $0.27 $0.19 $3 $4 $3 $1 $1 Real Estate Automobiles Other Loans Total Foreclosed Source: CUDATA.COM 1 st Qtr 2011 Page 10
11 In Billions Provision for Loan Losses ($) In Billions $2.50 $2.00 $2.16 $1.89 $1.50 $1.07 $1.24 $1.00 $0.55 $0.50 $ Allowance for Loan Losses Trend Allow For Loan Losses To T/Loans Allow. For Loan Losses To T/Assets Source: CUDATA.COM 1 st Qtr 2011 Page 11
12 In Billions Deposit Growth Trend $90 $80 $70 $641.0 $679.1 $ $784.2 $ $ $50 $40 $30 $20 $ $- Total Deposits ($) 3-Month % Growth (Annualized) 12-Month % Growth Core Deposit % Growth (Annualized) 1st Qtr st Qtr 2010 All Other Shares 19.2% 34.5% IRA/KEOAG 1.5% 6.0% Money Market 14.2% 22.6% -7.5% -8.0% Certificates Regular Checking 5.2% 29.3% 26.7% 27.4% All Deposits 12.8% 10.9% -15.0% -1% -5.0% % 5.0% 1% 15.0% 2% 25.0% 3% 35.0% 4% Source: CUDATA.COM 1 st Qtr 2011 Page 12
13 In Billions Investments Growth Trend $40 10 $ $ $30 $25 $20 $15 $10 $5 $- $ $256.5 $208.2 $ Total Investments ($) 3-Month % Growth (Annualized) 12-Month % Growth 8.0 Net Interest Spread Trend (Annualized) Yield On Avg Loans Yield On Avg Investments Yield On Earning Assets Cost of Funds Net Interest Spread Source: CUDATA.COM 1 st Qtr 2011 Page 13
14 Return On Avg Assets (Annualized ) Asset-Size Peer Group-1st Qtr Operating Expense Ratio Vs. Net Interest Margin (%) Net Interest Margin Operating Expense Ratio Source: CUDATA.COM 1 st Qtr 2011 Page 14
15 12 Efficiency Ratio % (the cost incurred to generate one dollar of revenue) Loan Concentration to Net -Worth Capital (%) Indirect Loans to Net Worth Vehicle Loans to Net Worth Total RE Loans Incl MBL to Net Worth 1st Mortgage RE & LOC to Net Worth 33.5 Member Business Loans to Net Worth 7.3 Participation Loans to New Worth Construction & Development Loans to Net Worth Source: CUDATA.COM 1 st Qtr 2011 Page 15
16 Investments Concentration Risk to Net-Worth Capital (%) Agency Debt Instruments to Net Worth Agency Mortgage- Backed Securities to Net Worth Total Agency Securities to Net Worth 2.82 Total Other MBS to Net Worth CMO/REMICs to Net Worth Source: CUDATA.COM 1 st Qtr 2011 Page 16
17 Return On Assets (ROA) By State 1st Qtr 2010 Vs State 1st Qtr st Qtr 2011 State 1st Qtr st Qtr 2011 Alaska Montana Alabama North Carolina Arkansas North Dakota Arizona Nebraska California New Hampshire Colorado New Jersey Connecticut New Mexico District of Columbia Nevada Delaware New York Florida Ohio Georgia Oklahoma Guam Oregon Hawaii Pennsylvania Iowa Puerto Rico Idaho Rhode Island Illinois South Carolina Indiana South Dakota Kansas Tennessee Kentucky Texas Louisiana Utah Massachusetts Virginia Maryland Virgin Islands Maine Vermont Michigan Washington Minnesota Wisconsin Missouri West Virginia Mississippi Wyoming Source: CUDATA.COM 1 st Qtr 2011 Page 17
# of Credit Unions As of September 30, 2011
# of Credit Unions # of Credit Unions # of Credit Unions As of September 30, 2011 8,400 8,200 8,000 7,800 7,600 7,400 7,200 8,332 8,065 7,794 7,556 7,325 7,000 6,800 9,000 8,000 7,000 6,000 5,000 4,000
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