Delaware Credit Union Profile. First Quarter 2018 CUNA Economics & Statistics

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1 CUNA Economics & Statistics

2 Overview by Year U.S. CUs Delaware CUs Demographic Information Number of CUs 5, Assets per CU ($ mil) Median assets ($ mil) Total assets ($ mil) 1,433,167 2,304 Total loans ($ mil) 986,314 1,250 Total surplus funds ($ mil) 389, Total savings ($ mil) 1,218,197 2,048 Total memberships (thousands) 114, 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 $)/loans (%) Net chargeoffs/average loans (%) Total borrower-bankruptcies 209, Bankruptcies per CU Bankruptcies per 1000 members Asset/Liability Management Loans/savings Loans/assets Net Long-term assets/assets Liquid assets/assets Core deposits/shares & borrowings Productivity Members/potential members (%) 4 7 Borrowers/members (%) Members/FTE Average shares/member ($) 10,681 8,159 Average loan balance ($) 15,103 11,716 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.

3 U.S. Overview: State Trends Delaware Credit Unions Demographic Information Number of CUs 5, Assets per CU ($ mil) Median assets ($ mil) Total assets ($ mil) 1,433,167 2,304 2,247 2,200 2,104 2,057 1,970 1,971 Total loans ($ mil) 986,314 1,250 1,257 1,206 1, Total surplus funds ($ mil) 389, ,037 1,075 Total savings ($ mil) 1,218,197 2,048 1,984 1,941 1,868 1,831 1,768 1,749 Total memberships (thousands) 114, 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 $)/loans (%) Net chargeoffs/average loans (%) Total borrower-bankruptcies 209, Bankruptcies per CU Bankruptcies per 1000 members Asset/Liability Management Loans/savings Loans/assets Net Long-term assets/assets Liquid assets/assets Core deposits/shares & borrowings Productivity Members/potential members (%) Borrowers/members (%) Members/FTE Average shares/member ($) 10,681 8,159 8,008 8,074 8,119 8,174 8,440 8,419 Average loan balance ($) 15,103 11,716 11,573 11,077 10,400 9,790 10,590 10,718 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.

4 Loan and Savings Growth Trends Liquidity Trends Growth Rates (%) Loan-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 Solvency Trends ROA Trends bp of Average Assets Net Worth Ratio Profile (%) 10.4 NW Ratio (right) Mar Percent of CUs > 7% (left)

5 Asset Yields and Funding Costs Interest Margins Asset Yields and Costs bp of Average Assets Net Interest Margin bp of Average Assets Asset Yields Interest Cost of Assets Interest Margins & Overhead Noninterest Income Income and Expense Components bp of Average Assets Fee & Other Noninterest Income bp of Average Assets Operating Exp. (bp) Net Interest Margin (bp) Membership Growth Trends Borrower Bankruptcies -1.2 Membership Growth (%) CU Bankruptcy Profile Per CU (right) Per 1,000 members (left)

6 Overview: State Results by Asset Size DE Delaware Credit Union Asset Groups Demographic Information < $20Mil $20-$50 $50-$100 $100-$250 $250-$500 $500-$1B > $1 Bil Number of CUs Assets per CU ($ mil) Median assets ($ mil) Total assets ($ mil) 2, ,762 Total loans ($ mil) 1, ,023 Total surplus funds ($ mil) Total savings ($ mil) 2, ,566 Total memberships (thousands) 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 $)/loans (%) Net chargeoffs/average loans (%) Total borrower-bankruptcies Bankruptcies per CU Bankruptcies per 1000 members Asset/Liability Management (%) Loans/savings Loans/assets Net Long-term assets/assets Liquid assets/assets Core deposits/shares & borrowings Productivity Members/potential members (%) Borrowers/members (%) Members/FTE Average shares/member ($) 8,159 4,894 4,954 5,081 12,083 8,630 Average loan balance ($) 11,716 4,937 6,580 7,920 14,047 12,472 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.

7 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- $100 Loan Growth $100- $250 $250- $500 $500- $1B Savings Growth > $1 Bil < $20Mil $20-$50 $50- $100 $100- $250 $250- $ $500- $1B > $1 Bil Credit Risk Exposure Interest Rate Risk Exposure Asset Quality By Asset Size Category < $20Mil $20- $50 $50- $100 $100- $250 $250- $500 $500- $1B > $1 Bil Long-Term Assets as a Percent of Total Assets by Asset Size Category Day Dollar Delinquency (left) Net Chargeoffs (right) < $20Mil $20-$50 $50- $100 $100- $250 $250- $500 $500- $1B > $1 Bil Earnings Solvency ROA in Basis Points by Asset Size Category < $20Mil $20- $50 $50- $100 $100- $250 $250- $500 $500- $1B > $1 Bil Net Worth Ratios by Asset Size Category (Percent of Assets) ROA (left) Percent with positive ROA (right) < $20Mil $20-$50 $50- $100 $100- $250 $250- $500 $500- $1B > $1 Bil

8 Overview: National Results by Asset Size U.S. All U.S. Credit Unions Asset Groups Demographic Information < $20Mil $20-$50 $50-$100 $100-$250 $250-$500 $500-$1B > $1 Bil Number of CUs 5,644 2,246 1, Assets per CU ($ mil) ,064.8 Median assets ($ mil) ,725.2 Total assets ($ mil) 1,433,167 16,919 34,481 51, , , , ,260 Total loans ($ mil) 986,314 8,127 17,494 28,818 72,027 83, , ,968 Total surplus funds ($ mil) 389,570 8,428 15,802 20,666 36,617 36,148 45, ,728 Total savings ($ mil) 1,218,197 14,479 30,139 45, , , , ,357 Total memberships (thousands) 114,052 2,653 3,944 5,491 10,955 11,552 14,712 64,743 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 $)/loans (%) Net chargeoffs/average loans (%) Total borrower-bankruptcies 209,820 6,036 7,988 10,332 22,656 22,824 29, ,128 Bankruptcies per CU Bankruptcies per 1000 members Asset/Liability Management Loans/savings Loans/assets Net Long-term assets/assets Liquid assets/assets Core deposits/shares & borrowings Productivity Members/potential members (%) Borrowers/members (%) Members/FTE Average shares/member ($) 10,681 5,458 7,641 8,276 9,156 9,485 10,460 11,806 Average loan balance ($) 15,103 7,532 9,262 10,066 12,297 13,541 15,109 16,626 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.

9 U.S. Growth Rates Credit cards 9.8% 2.8% 2.0% 0.3% -1.2% 6.2% 1.0% 0.4% Other unsecured loans 7.5% -1.7% -1.6% 2.5% 3.7% 18.2% 4.2% -1.2% New automobile 12.1% 13.7% 14.5% 28.3% 24.6% 20.3% 10.7% -6.2% Used automobile 10.0% -6.7% -4.2% 17.8% 34.0% 54.3% 9.2% -4.4% First mortgage 10.2% 7.9% 7.9% 5.8% 3.0% 7.0% 9.2% 24.9% HEL & 2nd Mtg 5.7% 5.7% 7.9% 0.8% -2.7% 1.3% -8.8% -7.5% Commercial loans* -5.4% 25.7% 24.9% 24.8% 27.6% 37.4% 130.4% 113.2% Share drafts 8.7% 6.8% 6.6% 7.3% 13.8% 15.6% 7.1% 13.0% Certificates 6.6% -8.8% -10.1% 1.5% -7.2% -6.4% -8.3% 3.0% IRAs -1.0% -4.3% -3.1% -1.0% -5.4% -1.7% -0.5% 6.9% Money market shares 2.8% -1.9% 0.6% 1.0% 1.8% -21.4% 3.5% 8.4% Regular shares 6.8% 4.4% 6.8% 5.5% 4.7% 22.6% 5.2% 8.4% Portfolio $ Distribution Credit cards/total loans 5.8% 5.3% 5.5% 5.6% 6.2% 6.9% 7.6% 7.9% Other unsecured loans/total loans 4.1% 7.8% 8.1% 8.6% 9.3% 9.9% 9.8% 9.8% New automobile/total loans 13.8% 17.1% 16.3% 14.8% 12.8% 11.4% 11.0% 10.5% Used automobile/total loans 21.1% 24.5% 25.2% 27.4% 25.8% 21.4% 16.1% 15.5% First mortgage/total loans 40.9% 28.5% 28.1% 27.2% 28.5% 30.7% 33.3% 32.0% HEL & 2nd Mtg/total loans 8.4% 12.7% 12.8% 12.4% 13.6% 15.6% 17.8% 20.5% Commercial loans/total loans 6.8% 5.5% 5.3% 4.4% 3.9% 3.4% 2.9% 1.3% Share drafts/total savings 15.1% 17.7% 16.5% 15.8% 15.3% 13.8% 12.3% 11.6% Certificates/total savings 17.9% 14.1% 14.8% 16.8% 17.2% 18.9% 20.9% 23.1% IRAs/total savings 6.4% 6.9% 7.3% 7.7% 8.1% 8.7% 9.2% 9.3% Money market shares/total savings 21.9% 15.0% 15.6% 15.9% 16.4% 16.4% 21.6% 21.1% Regular shares/total savings 37.0% 45.3% 45.0% 43.0% 42.4% 41.3% 34.9% 33.5% Percent of CUs Offering Credit cards 61.2% 77.8% 77.8% 73.7% 68.2% 66.7% 66.7% 69.2% Other unsecured loans 99.3% 100.0% 100.0% 94.7% 95.5% 95.8% 95.8% 100.0% New automobile 95.7% 88.9% 88.9% 89.5% 90.9% 91.7% 91.7% 92.3% Used automobile 96.8% 88.9% 88.9% 89.5% 90.9% 91.7% 91.7% 92.3% First mortgage 67.9% 72.2% 72.2% 68.4% 59.1% 58.3% 58.3% 57.7% HEL & 2nd Mtg 69.9% 83.3% 83.3% 78.9% 72.7% 75.0% 75.0% 76.9% Commercial loans 33.8% 44.4% 44.4% 36.8% 31.8% 29.2% 25.0% 23.1% Share drafts 79.8% 88.9% 88.9% 84.2% 77.3% 75.0% 75.0% 76.9% Certificates 81.0% 94.4% 94.4% 94.7% 95.5% 95.8% 95.8% 96.2% IRAs 68.3% 72.2% 72.2% 68.4% 68.2% 66.7% 66.7% 69.2% Money market shares 50.9% 66.7% 66.7% 63.2% 54.5% 54.2% 58.3% 57.7% Number of Loans as a Percent of Members in Offering CUs Credit cards 18.8% 13.5% 13.5% 14.5% 15.3% 14.9% 14.0% 13.7% Other unsecured loans 11.6% 10.2% 11.0% 11.2% 11.2% 11.2% 10.3% 10.1% New automobile 5.9% 4.0% 3.8% 2.7% 2.6% 2.7% 2.7% 2.7% Used automobile 14.7% 11.0% 11.5% 12.8% 12.7% 12.2% 7.3% 5.9% First mortgage 2.4% 1.1% 1.2% 1.2% 1.2% 1.2% 1.2% 1.1% HEL & 2nd Mtg 2.1% 1.5% 1.6% 1.7% 1.8% 1.9% 2.1% 2.3% Commercial loans 0.2% 0.3% 0.3% 0.3% 0.3% 0.2% 0.1% 0.1% Share drafts 56.9% 49.5% 49.6% 46.4% 48.6% 48.7% 45.7% 42.5% Certificates 7.6% 5.7% 5.8% 6.5% 6.9% 7.6% 8.3% 9.4% IRAs 4.3% 3.8% 3.6% 4.1% 4.5% 4.9% 5.3% 5.4% Money market shares 6.9% 3.4% 3.5% 3.3% 3.8% 4.0% 4.9% 4.8% Current period flow statistics are trailing four quarters. Portfolio: State Trends Delaware Credit Unions *Prior to third quarter, these were reported as member business loans. This change may cause fluctuations from prior cycles.

10 Growth Rates < $20 Mil $20-$50 $50-$100 $100-$250 $250-$500 $500-$1Bil > $1Bil Credit cards 2.8% 8.1% 6.0% 38.6% -3.0% -0.9% Other unsecured loans -1.7% 13.2% 4.4% 10.0% -9.3% -3.1% New automobile 13.7% 5.7% -9.6% -17.4% 54.4% 14.5% Used automobile -6.7% 10.4% 0.1% -1.2% -25.9% -6.0% First mortgage 7.9% -17.4% -0.1% 13.5% 42.4% 2.9% HEL & 2nd Mtg 5.7% -23.0% -1.6% 22.6% -22.3% 8.4% Commercial loans* 25.7% 101.6% 268.2% 2.4% Share drafts 6.8% 8.8% 3.7% 11.3% 2.6% 7.1% Certificates -8.8% -14.1% -18.8% 7.8% -14.2% -8.6% IRAs -4.3% -3.7% -6.2% 2.6% -2.4% -4.9% Money market shares -1.9% 24.8% -4.1% -9.0% -10.3% -0.2% Regular shares 4.4% -0.3% 2.6% 24.9% 2.9% 3.6% Portfolio $ Distribution Credit cards/total loans 5.3% 5.0% 12.2% 11.1% 5.3% 4.7% Other unsecured loans/total loans 7.8% 31.7% 33.0% 15.9% 13.0% 5.6% New automobile/total loans 17.1% 24.7% 17.9% 4.5% 6.2% 19.0% Used automobile/total loans 24.5% 25.7% 19.5% 15.8% 11.4% 26.6% First mortgage/total loans 28.5% 1.4% 3.7% 28.6% 48.7% 27.6% HEL & 2nd Mtg/total loans 12.7% 9.0% 12.6% 21.4% 10.9% 12.4% Commercial loans/total loans 5.5% 0.0% 0.0% 23.5% 5.9% 4.5% Share drafts/total savings 17.7% 8.6% 12.9% 16.0% 14.1% 18.9% Certificates/total savings 14.1% 12.5% 2.1% 14.9% 14.5% 14.7% IRAs/total savings 6.9% 2.0% 3.2% 3.9% 10.1% 7.0% Money market shares/total savings 15.0% 4.9% 9.4% 10.1% 16.4% 15.8% Regular shares/total savings 45.3% 68.1% 71.1% 52.7% 39.3% 43.5% Percent of CUs Offering Credit cards 77.8% 33.3% 100.0% 100.0% 100.0% 100.0% Other unsecured loans 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% New automobile 88.9% 66.7% 100.0% 100.0% 100.0% 100.0% Used automobile 88.9% 66.7% 100.0% 100.0% 100.0% 100.0% First mortgage 72.2% 33.3% 66.7% 100.0% 100.0% 100.0% HEL & 2nd Mtg 83.3% 50.0% 100.0% 100.0% 100.0% 100.0% Commercial loans 44.4% 0.0% 0.0% 100.0% 100.0% 80.0% Share drafts 88.9% 66.7% 100.0% 100.0% 100.0% 100.0% Certificates 94.4% 83.3% 100.0% 100.0% 100.0% 100.0% IRAs 72.2% 16.7% 100.0% 100.0% 100.0% 100.0% Money market shares 66.7% 16.7% 100.0% 100.0% 100.0% 80.0% Number of Loans as a Percent of Members in Offering CUs Credit cards 13.5% 14.3% 11.5% 10.8% 17.1% 13.7% Other unsecured loans 10.2% 24.0% 9.2% 16.5% 9.2% 8.9% New automobile 4.0% 3.0% 2.2% 0.8% 2.0% 4.8% Used automobile 11.0% 4.7% 3.1% 3.8% 5.4% 13.6% First mortgage 1.1% 0.3% 0.2% 0.9% 1.5% 1.2% HEL & 2nd Mtg 1.5% 0.8% 0.9% 1.3% 1.9% 1.6% Commercial loans 0.3% 0.4% 0.1% 0.3% Share drafts 49.5% 20.0% 29.5% 63.8% 48.1% 50.8% Certificates 5.7% 5.8% 0.9% 4.7% 7.3% 6.1% IRAs 3.8% 3.5% 1.4% 1.7% 6.1% 4.0% Money market shares 3.4% 3.0% 1.4% 4.6% 3.6% 3.4% Current period flow statistics are trailing four quarters. Portfolio Detail: State Results by Asset Size DE Delaware Credit Union Asset Groups *Prior to third quarter, these were reported as member business loans. This change may cause fluctuations from prior cycles.

11 Portfolio Detail: National Results by Asset Size U.S. All U.S. Credit Unions Asset Groups Growth Rates < $20 Mil $20-$50 $50-$100 $100-$250 $250-$500 $500-$1Bil > $1Bil Credit cards 9.8% 0.1% 0.0% 1.0% 3.2% 3.5% 4.6% 12.3% Other unsecured loans 7.5% 3.2% 2.7% 4.4% 5.1% 5.0% 12.3% 9.2% New automobile 12.1% 7.1% 9.4% 11.5% 13.7% 13.0% 14.4% 12.2% Used automobile 10.0% 5.3% 6.2% 7.9% 8.8% 10.1% 8.3% 12.0% First mortgage 10.2% 2.0% 4.9% 4.8% 7.7% 7.5% 11.0% 11.2% HEL & 2nd Mtg 5.7% -2.4% 1.1% 3.8% 3.1% 9.1% 8.1% 6.1% Commercial loans* -5.4% -13.4% -17.0% -11.6% -10.1% -8.9% 1.9% -5.1% Share drafts 8.7% 6.0% 6.7% 6.8% 7.2% 7.9% 8.2% 10.7% Certificates 6.6% -4.4% -3.6% -2.3% -0.1% 3.3% 5.2% 9.5% IRAs -1.0% -6.1% -4.3% -4.1% -3.3% -1.8% -1.5% 0.5% Money market shares 2.8% -2.3% -1.2% -0.6% 0.0% 1.1% 2.6% 3.8% Regular shares 6.8% 1.2% 3.3% 4.0% 5.0% 6.2% 6.6% 8.9% Portfolio $ Distribution Credit cards/total loans 5.8% 2.8% 4.1% 4.0% 3.9% 4.2% 4.3% 6.7% Other unsecured loans/total loans 4.1% 15.9% 8.5% 6.7% 5.1% 4.4% 4.0% 3.5% New automobile/total loans 13.8% 20.2% 14.4% 13.3% 12.1% 12.7% 13.6% 14.0% Used automobile/total loans 21.1% 35.3% 29.9% 28.7% 26.5% 26.0% 23.8% 18.6% First mortgage/total loans 40.9% 11.1% 25.4% 29.5% 34.5% 35.7% 38.8% 44.0% HEL & 2nd Mtg/total loans 8.4% 5.7% 9.6% 9.5% 9.5% 9.9% 8.7% 8.0% Commercial loans/total loans 6.8% 0.8% 1.9% 3.9% 5.9% 7.4% 8.3% 6.9% Share drafts/total savings 15.1% 10.2% 15.5% 18.0% 18.9% 19.5% 19.8% 12.9% Certificates/total savings 17.9% 10.9% 12.3% 13.8% 15.4% 16.3% 16.9% 19.2% IRAs/total savings 6.4% 3.2% 5.6% 6.1% 6.3% 6.0% 5.9% 6.7% Money market shares/total savings 21.9% 4.0% 9.4% 12.4% 15.7% 17.8% 20.4% 25.0% Regular shares/total savings 37.0% 69.6% 55.3% 48.0% 41.7% 38.3% 35.4% 34.5% Percent of CUs Offering Credit cards 61.2% 25.7% 75.3% 84.9% 87.6% 92.3% 93.2% 93.9% Other unsecured loans 99.3% 98.3% 100.0% 99.7% 100.0% 100.0% 100.0% 100.0% New automobile 95.7% 89.4% 99.8% 99.9% 100.0% 100.0% 99.6% 100.0% Used automobile 96.8% 92.3% 99.8% 99.9% 99.7% 99.7% 100.0% 99.7% First mortgage 67.9% 29.0% 83.3% 95.3% 99.3% 100.0% 100.0% 99.7% HEL & 2nd Mtg 69.9% 33.7% 85.1% 94.6% 98.0% 99.7% 100.0% 100.0% Commercial loans 33.8% 5.0% 23.8% 42.6% 67.5% 77.8% 84.1% 90.2% Share drafts 79.8% 51.5% 96.5% 99.2% 99.4% 100.0% 100.0% 99.0% Certificates 81.0% 57.5% 92.7% 97.1% 98.6% 99.4% 99.2% 98.7% IRAs 68.3% 32.0% 82.9% 92.1% 97.8% 98.6% 99.6% 99.3% Money market shares 50.9% 13.3% 54.0% 74.3% 87.9% 90.9% 93.2% 94.9% Number of Loans as a Percent of Members in Offering CUs Credit cards 18.8% 13.0% 13.5% 13.8% 15.1% 15.2% 16.8% 21.1% Other unsecured loans 11.6% 17.0% 13.4% 12.2% 11.3% 11.0% 11.1% 11.4% New automobile 5.9% 3.6% 3.8% 4.9% 4.2% 4.5% 5.6% 6.8% Used automobile 14.7% 11.3% 13.2% 15.3% 15.3% 15.4% 15.8% 14.4% First mortgage 2.4% 1.3% 2.0% 2.3% 2.6% 2.4% 2.3% 2.5% HEL & 2nd Mtg 2.1% 1.2% 1.5% 1.6% 1.9% 2.0% 2.1% 2.2% Commercial loans 0.2% 0.6% 0.5% 0.4% 0.3% 0.3% 0.3% 0.2% Share drafts 56.9% 33.2% 42.5% 48.1% 52.7% 54.8% 58.4% 60.4% Certificates 7.6% 4.8% 5.2% 5.7% 6.4% 6.3% 6.8% 8.7% IRAs 4.3% 2.4% 2.9% 3.3% 3.7% 3.7% 3.8% 4.7% Money market shares 6.9% 3.8% 3.6% 3.9% 4.6% 5.3% 5.9% 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.

12 Delaware CU Profile - Quarterly Trends U.S. Delaware Credit Unions Demographic Information Dec 17 Sep 17 Jun 17 Mar 17 Number CUs 5, 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.

13 Bank Comparisons DE Credit Unions DE Banks Demographic Information 3 Yr Avg 3 Yr Avg Number of Institutions Assets per Institution ($ mil) ,922 48,510 46,396 47,609 Total assets ($ mil) 2,304 2,247 2,200 2,250 1,054,279 1,067,216 1,020,708 1,047,401 Total loans ($ mil) 1,250 1,257 1,206 1, , , , ,242 Total surplus funds ($ mil) , , , ,224 Total savings ($ mil) 2,048 1,984 1,941 1, , , , ,716 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

14 Credit Union and Bank Comparisons Loan and Savings Growth Trends Growth Rates 10.9 Liquidity Risk Trends Ratio of Toal Loans-to-Total Savings (%) Savings Credit Unions Loans Banks Credit Unions Banks Credit Risk Trends Total Delinquency Ratio (%) Credit Risk Trends Net Chargeoffs as Percent of Avg Loans Credit Unions Banks Credit Unions Banks Earnings Trends Solvency Trends ROA Trends bp of Average Assets Net Worth Ratio (%) Credit Unions Banks Credit Unions Banks

15 Delaware Credit Union Financial Summary Data as of March 2018 # of 12-Month 12-Month 12-Month Delinq Net Fixed Rate Mergers Asset Loan Member Networth/ Loans/ Chg-offs/ Loans/ 1st Mtgs. Credit Union Name State (Last 12mo) Assets Members Branches Growth Growth Growth Assets Loans Avg Loans ROA Savings Assets Dover FCU DE 0 $469,317,469 48, % -2.1% 3.8% 7.9% 1.14% 2.01% 0.05% 64.8% 6.9% Del-One FCU DE 1 $457,200,169 62, % 3.7% 9.6% 9.4% 0.59% 0.70% 0.74% 93.6% 19.6% DEXSTA FCU DE 0 $290,124,551 35, % 6.1% 1.9% 8.9% 0.79% 0.89% 0.42% 65.7% 1.9% Louviers FCU DE 0 $279,682,079 20, % -0.9% -1.3% 11.2% 0.34% 0.38% 0.38% 19.8% 8.7% Tidemark FCU DE 0 $265,430,170 14, % 6.3% -1.6% 15.9% 1.60% 2.78% 0.74% 67.8% 5.6% Community Powered FCU DE 0 $131,221,362 9, % 15.8% -2.6% 10.8% 0.57% 0.23% 0.26% 49.4% 22.3% Delaware State Police FCU DE 0 $122,014,478 9, % 0.9% -0.2% 10.4% 1.46% 0.29% 0.64% 46.5% 19.3% Eagle One FCU DE 1 $80,308,674 11, % 15.1% 21.8% 9.3% 1.70% 1.13% 0.79% 61.5% 9.9% American Spirit FCU DE 0 $61,679,959 13, % 12.4% 0.7% 16.8% 2.25% 5.42% 0.40% 47.6% 3.4% New Castle Co School EFCU DE 0 $47,180,140 10, % 1.9% 4.3% 6.6% 1.48% 5.04% 0.62% 43.4% 0.0% New Castle Co Delaware EFCU DE 0 $24,160,293 2, % 3.0% -0.5% 9.6% 0.01% -0.14% 0.21% 23.0% 0.0% Delaware Alliance FCU DE 0 $21,908,763 3, % -7.6% -3.1% 14.2% 0.68% 0.73% 0.21% 35.3% 4.4% Priority Plus FCU DE 0 $17,362,173 1, % 1.1% -1.2% 18.6% 0.25% 0.35% 0.55% 47.6% 0.4% Wilmington Police and Fire FCU DE 0 $13,350,836 3, % 18.9% 2.4% 18.9% 0.51% 0.33% 0.06% 27.5% 0.0% Provident FCU DE 0 $10,676,705 1, % -0.9% 3.5% 14.8% 0.88% 1.35% 0.24% 58.1% 1.3% Delaware River and Bay Authority EFCU DE 0 $6,484, % 6.3% 0.9% 13.3% 3.26% -0.52% 0.76% 8.8% 0.0% Milford Memorial FCU DE 0 $3,774, % -6.0% -1.7% 10.9% 0.51% 0.00% 0.39% 39.9% 0.0% Stepping Stones Community FCU DE 0 $1,717, % -0.6% 3.9% 18.9% 13.38% 0.00% -4.07% 4.8% 0.0% Medians $54,430,050 9, % 2.4% 0.8% 11.0% 0.84% 0.54% 0.39% 47.0% 2.6% By Asset Size Number of Insts. $5 million and less % -5.7% 0.0% 13.4% 1.13% 0.00% -1.01% 29.6% 0.0% $5 to $10 million % 6.3% 0.9% 13.3% 3.26% -0.52% 0.76% 8.8% 0.0% $10 to $20 million 3 1, % 3.4% 1.6% 17.7% 0.53% 0.70% 0.31% 44.0% 0.5% $20 to $50 million 3 3, % -0.2% 1.8% 9.2% 1.07% 3.25% 0.42% 36.3% 1.0% $50 to $100 million 2 12, % 14.1% 9.6% 12.5% 1.89% 2.66% 0.62% 55.6% 7.0% $100 to $250 million 2 9, % 8.4% -1.3% 10.6% 0.99% 0.26% 0.45% 48.0% 20.9% $250 million+ 5 35, % 2.6% 4.3% 10.2% 0.91% 1.38% 0.44% 65.4% 9.5% Net chargeoff and ROA data is year-to-date annualized. ROA is net income in basis points of average assets. Summary data by asset size is reported as medians.