5 Comparative Fees by Type $1, $1, $27.57 $30.17 $24.56 $34.18 Share draft checking, NSF fee Credit cards, late fee Mortgages, closing costs Texas Credit Unions Texas Banks
6 Texas Credit Union and Banking Institution March 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 $27.57 $ $2.61 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 $506,956,522 $298,827,764 $96,892,748 $20,818,063 $16,434,991 $24,797,271 -$3,252,189 -$12,845,120 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 $50,987,148 $14,084,188 $14,199,944 $10,539,147 $1,106,834 Regular shares Share draft checking Money market accounts Certificate accounts Retirement (IRA) accounts
9 Rate Total Avg. Balance Difference Financial Benefit at vs. Texas to Your Loans Credit Unions (1) Banks (%) (2) Members New car loans 15,653,628, $298,827,764 Used car loans 20,189,427, $506,956,522 Personal unsecured loans 3,965,345, $20,818,063 5-year adjustable rate 1st mortgage 5,552,361, $16,434, year fixed rate 1st mortgage 7,391,337, $3,252, year fixed rate 1st mortgage 7,784,921, $12,845,120 Home equity / 2nd mortgage loans 2,689,508, $24,797,271 Credit cards 2,778,485, $96,892,748 Interest rebates $1,433,672 Total CU member benefits arising from lower interest rates on loan products: $950,063,721 Savings Regular shares 32,009,517, $14,084,188 Share draft checking 15,811,913, $1,106,834 Money market accounts 13,786,353, $14,199,944 Certificate accounts 17,109,781, $50,987,148 Retirement (IRA) accounts 5,256,432, $10,539,147 Bonus dividends in period $0 Total CU member benefit arising from higher interest rates on savings products: $90,917,261 Fee Income Estimated Financial Benefits for Texas Credit Unions March 2018 Total CU member benefit arising from fewer / lower fees: $122,770,990 Total CU member benefit arising from interest rates on loans, savings products and lower fees: $1,163,751,972 Total CU member benefit / member: $134 Total CU member benefit / member household: $281 Source: Datatrac, NCUA, and CUNA (1) Average balance as of March 2018 and March 2017, according to the NCUA call report.; (2) Source for rates and fees: Datatrac;
10 Texas Credit Union Performance Profile Demographic Information Mar 18 Mar 17 Number of branches 1,661 1,655 Total assets ($ mil) 103,006 98,125 Total loans ($ mil) 74,098 68,835 Total surplus funds ($ mil) 24,463 25,101 Total savings ($ mil) 88,646 84,223 Total members (thousands) 8,856 8,563 Growth Rates (Trailing 12 months) * Total assets 5.3 % 5.8 % Total loans 7.9 % 7.6 % Total surplus funds -2.1 % 1.4 % Total savings 5.6 % 5.6 % Total members 3.9 % 2.1 % 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 6 8 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 ($) 10,009 9,835 Average loan balances ($) 14,181 13,815 Salary & Benefits / FTE 72,706 69,722 * 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.