New Jersey Credit Union Profile. Mid-Year 2018 CUNA Economics & Statistics

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1 CUNA Economics & Statistics

2 Overview by Year U.S. CUs New Jersey CUs Demographic Information Number of CUs 5, Assets per CU ($ mil) Median assets ($ mil) Total assets ($ mil) 1,446,368 13,888 Total loans ($ mil) 1,017,569 8,200 Total surplus funds ($ mil) 369,688 5,179 Total savings ($ mil) 1,222,323 11,796 Total memberships (thousands) 115,375 1,041 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 $)/loans (%) Net chargeoffs/average loans (%) Total borrower-bankruptcies 197,564 5,682 Bankruptcies per CU Bankruptcies per 1000 members Asset/Liability Management Loans/savings Loans/assets Net Long-term assets/assets Liquid assets/assets Core deposits/shares & borrowings Productivity Members/potential members (%) 4 5 Borrowers/members (%) Members/FTE Average shares/member ($) 10,594 11,333 Average loan balance ($) 15,298 15,445 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.

3 U.S. Overview: State Trends New Jersey Credit Unions Demographic Information Number of CUs 5, Assets per CU ($ mil) Median assets ($ mil) Total assets ($ mil) 1,446,368 13,888 13,541 13,434 12,797 12,502 12,465 12,518 Total loans ($ mil) 1,017,569 8,200 7,927 7,588 7,001 6,703 6,531 6,296 Total surplus funds ($ mil) 369,688 5,179 5,109 5,369 5,331 5,336 5,489 5,781 Total savings ($ mil) 1,222,323 11,796 11,646 11,586 11,270 11,030 11,093 11,082 Total memberships (thousands) 115,375 1,041 1,034 1,024 1,036 1,046 1,061 1,066 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 $)/loans (%) Net chargeoffs/average loans (%) Total borrower-bankruptcies 197,564 5,682 1,495 1,199 1,179 1,270 1,427 1,502 Bankruptcies per CU Bankruptcies per 1000 members Asset/Liability Management Loans/savings Loans/assets Net Long-term assets/assets Liquid assets/assets Core deposits/shares & borrowings Productivity Members/potential members (%) Borrowers/members (%) Members/FTE Average shares/member ($) 10,594 11,333 11,257 11,315 10,881 10,543 10,451 10,400 Average loan balance ($) 15,298 15,445 14,779 14,135 13,535 13,422 13,339 14,151 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.

4 Loan and Savings Growth Trends Growth Rates (%) 8.4 Liquidity Trends 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 (%) NW Ratio (right) 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 Membership Growth (%) CU Bankruptcy Profile Per CU (right) Per 1,000 members (left)

6 Overview: State Results by Asset Size NJ New Jersey 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) ,614.1 Median assets ($ mil) ,614.1 Total assets ($ mil) 13, ,145 2,619 3,358 5,228 Total loans ($ mil) 8, ,461 2,479 3,053 Total surplus funds ($ mil) 5, , ,970 Total savings ($ mil) 11, ,027 2,359 2,987 4,090 Total memberships (thousands) 1, 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 $)/loans (%) Net chargeoffs/average loans (%) Total borrower-bankruptcies 5, , Bankruptcies per CU Bankruptcies per 1000 members Asset/Liability Management (%) Loans/savings Loans/assets Net Long-term assets/assets Liquid assets/assets Core deposits/shares & borrowings Productivity Members/potential members (%) Borrowers/members (%) Members/FTE Average shares/member ($) 11,333 5,797 9,071 6,651 9,227 11,630 21,319 Average loan balance ($) 15,445 6,912 11,449 8,340 9,622 17,405 31,040 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.

7 Results By Asset Size Loan and Savings growth Liquidity Risk Exposure Growth Rates By Asset Size Category (%) 17.7 Loan-to-Savings Ratio (%) By Asset Size Category < $20Mil $20-$50 $50- $ Loan Growth $100- $250 $250- $500 $500- $1B Savings Growth > $1 Bil < $20Mil $20-$50 $50- $100 $100- $250 $250- $500 $500- $1B > $1 Bil Credit Risk Exposure Interest Rate Risk Exposure < $20Mil Asset Quality By Asset Size Category $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 Net Worth Ratios by Asset Size Category (Percent of Assets) < $20Mil $20- $50 $50- $100 $100- $250 $250- $500 $500- $1B > $1 Bil 20 0 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 > $1 Bil Number of CUs 5,594 2,204 1, Assets per CU ($ mil) ,048.9 Median assets ($ mil) ,700.6 Total assets ($ mil) 1,446,368 16,544 33,952 52, , , , ,917 Total loans ($ mil) 1,017,569 8,130 17,646 29,758 73,141 86, , ,970 Total surplus funds ($ mil) 369,688 8,057 15,122 20,128 34,171 33,498 41, ,721 Total savings ($ mil) 1,222,323 14,118 29,597 45,718 98, , , ,909 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.

9 U.S. Growth Rates Credit cards 9.1% -1.2% -0.9% 1.7% % 0.1% 1.5% -0.7% Other unsecured loans 7.3% 6.4% 6.1% 1.8% -2.5% 3.1% -2.7% 3.5% New automobile 11.7% 0.8% -0.1% 6.3% 23.1% 13.0% -20.3% -7.9% Used automobile 9.9% 19.3% 10.2% 11.5% 5.9% 10.6% 26.3% 3.7% First mortgage 10.6% 8.5% 6.8% 8.5% 6.3% 1.2% 5.8% -0.1% HEL & 2nd Mtg 5.1% 3.6% 5.6% 2.1% -3.2% -4.8% -8.3% -7.1% Commercial loans* -6.6% -13.5% -11.9% 9.3% 9.0% 12.5% 12.7% 14.3% Share drafts 8.2% 5.5% 4.1% 7.0% 7.4% 4.1% 2.2% 13.1% Certificates 7.2% -3.7% 2.6% -2.7% -5.4% -4.0% -9.5% -5.1% IRAs -1.1% -3.8% -2.6% -1.1% -1.1% -3.8% -2.4% 1.9% Money market shares 1.9% -8.3% -3.1% 0.6% -2.4% -6.7% 1.4% 4.7% Regular shares 6.5% 0.8% 0.6% 4.9% 6.2% 4.5% 3.5% 9.0% Portfolio $ Distribution Credit cards/total loans 5.7% 4.1% 4.5% 4.7% 5.0% 5.3% 5.4% 5.5% Other unsecured loans/total loans 4.1% 6.5% 6.8% 6.7% 7.1% 7.6% 7.6% 8.1% New automobile/total loans 13.8% 4.5% 4.6% 4.8% 4.9% 4.1% 3.7% 4.9% Used automobile/total loans 21.1% 13.5% 12.7% 12.0% 11.7% 11.5% 10.7% 8.8% First mortgage/total loans 40.8% 45.6% 45.1% 44.1% 44.1% 43.3% 43.9% 43.1% HEL & 2nd Mtg/total loans 8.3% 15.6% 16.3% 16.2% 17.2% 18.5% 2% 22.6% Commercial loans/total loans 6.8% 7.4% 7.5% 8.9% 8.8% 8.5% 7.7% 7.1% Share drafts/total savings 14.9% 16.3% 15.9% 15.4% 14.8% 14.0% 13.4% 13.2% Certificates/total savings 18.2% 13.0% 13.7% 13.5% 14.2% 15.3% 15.9% 17.6% IRAs/total savings 6.4% 7.8% 8.1% 8.3% 8.7% 9.0% 9.3% 9.5% Money market shares/total savings 21.7% 10.8% 11.6% 12.1% 12.3% 12.9% 13.7% 13.6% Regular shares/total savings 37.0% 49.8% 48.8% 48.7% 47.8% 46.0% 43.7% 42.3% Percent of CUs Offering Credit cards 61.3% 45.0% 44.5% 42.1% 40.6% 39.0% 35.7% 33.3% Other unsecured loans 99.2% 98.1% 99.4% 95.9% 95.6% 94.7% 95.4% 94.5% New automobile 95.7% 89.4% 87.8% 88.3% 88.3% 86.1% 85.2% 86.1% Used automobile 96.9% 86.9% 84.8% 86.5% 85.6% 85.0% 83.7% 83.1% First mortgage 68.3% 49.4% 48.2% 50.3% 49.4% 49.2% 46.4% 46.3% HEL & 2nd Mtg 69.6% 6% 59.8% 60.2% 57.8% 56.7% 56.1% 56.2% Commercial loans 34.0% 24.4% 24.4% 24.0% 22.2% 20.9% 20.9% 19.9% Share drafts 79.8% 61.3% 61.0% 60.2% 6% 59.4% 57.7% 56.7% Certificates 81.1% 63.8% 64.0% 64.3% 63.3% 62.0% 60.7% 59.7% IRAs 68.4% 51.3% 50.6% 53.2% 5% 48.7% 47.4% 47.3% Money market shares 51.3% 35.0% 34.8% 35.1% 33.3% 31.6% 31.1% 30.3% Number of Loans as a Percent of Members in Offering CUs Credit cards 18.7% 14.0% 14.6% 15.5% 14.6% 13.9% 14.4% 14.5% Other unsecured loans 11.6% 13.0% 13.4% 13.2% 13.1% 12.8% 13.8% 12.2% New automobile 6.0% 2.0% 2.1% 2.2% 2.1% 1.9% 1.8% 2.3% Used automobile 14.9% 8.9% 8.9% 8.9% 8.7% 8.6% 7.5% 5.6% First mortgage 2.5% 2.1% 2.1% 2.1% 1.9% 1.7% 1.7% 1.5% HEL & 2nd Mtg 2.1% 2.8% 2.9% 2.9% 2.9% 2.9% 3.0% 3.2% Commercial loans 0.2% 0.2% 0.3% 0.3% 0.3% 0.3% 0.3% 0.3% Share drafts 57.0% 46.5% 46.6% 44.0% 45.1% 44.3% 43.7% 44.6% Certificates 7.7% 6.9% 7.3% 7.7% 8.1% 8.6% 9.3% 10.4% IRAs 4.2% 4.0% 4.4% 4.3% 4.4% 4.6% 4.9% 5.1% Money market shares 6.9% 3.5% 3.8% 4.0% 4.2% 4.5% 4.8% 5.1% Current period flow statistics are trailing four quarters. Portfolio: State Trends New Jersey Credit Unions *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 Growth Rates < $20 Mil $20-$50 $50-$100 $100-$250 $250-$500 $500-$1Bil > $1Bil Credit cards -1.2% -1.3% 0.5% -1.0% -4.8% 1.2% -0.2% Other unsecured loans 6.4% 6.8% 9.5% -2.3% 13.3% -6.0% 45.3% New automobile 0.8% 5.1% 2.3% 6.9% 12.3% -21.6% 85.9% Used automobile 19.3% 4.0% -2.5% 3.9% 0.2% 24.0% 76.2% First mortgage 8.5% 10.2% 5.9% -1.1% 3.6% 5.3% 13.2% HEL & 2nd Mtg 3.6% -3.1% 0.5% -3.3% -2.0% 10.4% 14.5% Commercial loans* -13.5% -39.9% 6.4% -37.4% -4.7% -16.0% -9.5% Share drafts 5.5% 6.7% 7.6% 7.3% 4.1% 3.4% 9.3% Certificates -3.7% -4.9% -6.0% -7.4% -10.1% 5.1% -1.8% IRAs -3.8% -12.0% -8.1% -2.5% -7.1% 1.4% -2.7% Money market shares -8.3% -4.2% -1.8% -3.9% -7.7% -10.5% 8.2% Regular shares 0.8% 0.5% 3.4% 4.0% 1.5% 2.6% -0.2% Portfolio $ Distribution Credit cards/total loans 4.1% 2.2% 3.9% 7.8% 3.7% 3.6% 4.2% Other unsecured loans/total loans 6.5% 39.7% 12.2% 12.0% 10.6% 4.2% 1.7% New automobile/total loans 4.5% 12.7% 8.3% 5.6% 5.2% 5.1% 2.2% Used automobile/total loans 13.5% 17.4% 15.8% 16.6% 14.7% 18.8% 7.5% First mortgage/total loans 45.6% 13.2% 30.6% 29.1% 31.5% 41.5% 63.4% HEL & 2nd Mtg/total loans 15.6% 9.7% 23.4% 20.4% 22.6% 21.5% 6.0% Commercial loans/total loans 7.4% 1.3% 1.7% 2.9% 9.2% 6.4% 9.3% Share drafts/total savings 16.3% 5.3% 11.0% 16.5% 16.5% 20.3% 15.8% Certificates/total savings 13.0% 9.8% 14.8% 9.8% 14.0% 17.7% 9.8% IRAs/total savings 7.8% 1.7% 5.2% 5.2% 5.6% 5.3% 13.0% Money market shares/total savings 10.8% 2.9% 6.9% 9.5% 12.5% 19.7% 5.6% Regular shares/total savings 49.8% 76.8% 60.2% 58.4% 50.4% 35.2% 52.4% Percent of CUs Offering Credit cards 45.0% 16.5% 65.4% 93.3% 88.2% 10% 10% Other unsecured loans 98.1% 96.7% 10% 10% 10% 10% 10% New automobile 89.4% 81.3% 10% 10% 10% 10% 10% Used automobile 86.9% 76.9% 10% 10% 10% 10% 10% First mortgage 49.4% 22.0% 69.2% 93.3% 94.1% 10% 10% HEL & 2nd Mtg 6% 30.8% 96.2% 10% 10% 10% 10% Commercial loans 24.4% 6.6% 23.1% 33.3% 70.6% 10% 5% Share drafts 61.3% 34.1% 92.3% 10% 10% 10% 10% Certificates 63.8% 41.8% 88.5% 10% 94.1% 10% 5% IRAs 51.3% 26.4% 65.4% 93.3% 94.1% 10% 10% Money market shares 35.0% 9.9% 42.3% 8% 82.4% 10% 5% Number of Loans as a Percent of Members in Offering CUs Credit cards 14.0% 12.7% 11.5% 12.9% 10.1% 13.9% 20.5% Other unsecured loans 13.0% 26.7% 14.2% 11.8% 14.2% 11.6% 6.6% New automobile 2.0% 2.2% 2.2% 1.1% 2.1% 2.7% 1.5% Used automobile 8.9% 5.0% 7.2% 5.6% 8.4% 13.9% 8.1% First mortgage 2.1% 1.7% 1.5% 1.0% 1.1% 2.4% 4.0% HEL & 2nd Mtg 2.8% 1.0% 2.5% 1.6% 2.9% 4.2% 2.4% Commercial loans 0.2% 0.2% 0.1% 0.2% 0.2% 0.3% 0.2% Share drafts 46.5% 27.4% 39.8% 37.3% 42.7% 50.7% 61.2% Certificates 6.9% 6.2% 6.6% 3.3% 5.7% 7.8% 11.0% IRAs 4.0% 2.6% 4.0% 2.3% 3.6% 4.4% 5.6% Money market shares 3.5% 3.6% 3.3% 2.0% 3.0% 4.5% 4.1% Current period flow statistics are trailing four quarters. Portfolio Detail: State Results by Asset Size NJ New Jersey Credit Union Asset Groups *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.

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 9.1% -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% 10% 99.7% 10% 10% 10% 10% New automobile 95.7% 89.3% 99.8% 99.7% 10% 10% 99.6% 10% Used automobile 96.9% 92.3% 99.8% 99.9% 99.9% 99.4% 10% 99.7% First mortgage 68.3% 28.9% 84.2% 95.5% 99.3% 10% 10% 99.7% HEL & 2nd Mtg 69.6% 32.8% 84.4% 94.5% 98.3% 99.4% 10% 10% 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% 10% 10% 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.

12 New Jersey CU Profile - Quarterly Trends U.S. New Jersey Credit Unions Demographic Information Mar 18 Dec 17 Sep 17 Jun 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. Source: NCUA and CUNA E&S.

13 Bank Comparisons NJ Credit Unions NJ Banks Demographic Information 3 Yr Avg 3 Yr Avg Number of Institutions Assets per Institution ($ mil) ,038 1,748 1,611 1,799 Total assets ($ mil) 13,888 13,541 13,434 13, , , , ,017 Total loans ($ mil) 8,200 7,927 7,588 7, , , , ,264 Total surplus funds ($ mil) 5,179 5,109 5,369 5,219 30,777 31,225 29,369 30,457 Total savings ($ mil) 11,796 11,646 11,586 11, , , , ,441 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 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 ROA Trends bp of Average Assets Solvency Trends Net Worth Ratio (%) Credit Unions Banks Credit Unions Banks

15 New Jersey Credit Union Financial Summary Data as of June 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 Affinity FCU NJ 1 $3,294,967, , % 19.5% 18.1% 8.3% 0.65% 0.14% 0.65% 121.6% 47.1% Merck EFCU NJ 0 $1,933,329,390 25, % -8.4% -1.4% 11.7% 1.44% 3% 0.39% 9.2% 5.4% Proponent FCU NJ 0 $492,030,415 25, % 1.6% -1.8% 11.1% 2.93% 0.93% 0.56% 83.0% 39.1% Financial Resources FCU NJ 0 $466,744,177 24, % 10.8% 8.5% 9.3% 1.06% 0.44% 0.35% 98.7% 23.7% McGraw Hill FCU NJ 0 $420,250,208 22, % 3.1% -0.5% 10.5% 0.96% 0.14% 3% 94.2% 21.3% South Jersey FCU NJ 0 $363,683,163 54, % 21.7% 14.8% 9.1% 1.59% 0.86% 0.18% 72.4% 13.1% Garden Savings FCU NJ 0 $354,781,502 27, % 9.1% 0.3% 8.9% 1.72% 1.38% 0.20% 78.8% 16.6% Picatinny FCU NJ 0 $346,702,982 17, % 4.7% 1.7% 8.2% 0.51% 0.14% 0.30% 48.0% 18.6% Credit Union of New Jersey NJ 0 $346,012,624 38, % 0.2% -3.2% 7.1% 2.40% 1.39% 0.52% 97.5% 14.3% United Teletech Financial FCU NJ 1 $309,518,803 24, % -4.6% -6.3% 7.0% 3.57% 1.17% -0.90% 92.0% 5.7% First Atlantic FCU NJ 0 $258,294,319 21, % 13.3% 9.2% 8.4% 0.66% 0.12% 0.54% 76.3% 21.1% North Jersey FCU NJ 0 $225,110,440 23, % 1.3% -11.9% 9.3% 2.55% 0.38% -0.10% 58.6% 22.3% Atlantic FCU NJ 0 $222,476,289 17, % 16.1% 0.2% 15.2% 2.90% 0.57% -0.29% 89.1% 26.8% ABCO Federal Credit Union NJ 0 $201,304,117 34, % 0.1% -2.8% 8.1% 2.24% 0.73% 1.19% 62.7% 6.4% Greater Alliance FCU NJ 0 $191,535,040 19, % 0.7% 0.1% 9.2% 2.43% 1.16% 0.40% 82.4% 21.6% First Financial FCU NJ 0 $191,086,141 20, % -4.7% 2.2% 5.2% 3.96% 0.64% -1.92% 73.5% 15.6% XCEL FCU NJ 0 $175,746,055 20, % -10.6% 2.1% 8.2% 2.25% 0.89% 0.29% 80.7% 6.0% Jersey Shore FCU NJ 0 $158,715,585 12, % 15.5% 4.8% 7.5% 0.91% 0.35% 0.34% 65.8% 19.1% Aspire FCU NJ 0 $154,430,266 22, % -13.2% -25.6% 6.6% 4.76% 3.98% -1.56% 80.1% 10.2% Campbell EFCU NJ 0 $144,738,692 11, % 14.0% -2.2% 11.4% 0.70% 0.32% 0.32% 40.2% 4.4% Princeton FCU NJ 0 $136,130,338 8, % 5.3% % 10.8% 0.23% 0.85% 0.11% 53.1% 17.5% Novartis FCU NJ 0 $127,123,166 5, % -7.9% -3.9% 10.7% 0.37% 9% 0.82% 30.4% 9.8% Riegel FCU NJ 0 $126,379,532 7, % -0.3% 0.8% 11.3% 0.24% 5% 0.38% 29.6% 11.1% Nova UA FCU NJ 0 $118,421,270 3, % 13.3% 1.5% 14.2% 0.26% 1% 0.61% 60.8% 33.9% Pinnacle Federal Credit Union NJ 0 $118,212,972 14, % -16.3% -1.8% 6.6% 2.23% 0.39% 0.14% 82.4% 17.3% Healthcare EFCU NJ 0 $115,273,387 18, % -0.2% -3.0% 8.3% 1.73% 0.18% 0.59% 71.3% 5.7% County Educators FCU NJ 0 $106,887,890 10, % -6.4% -3.0% 9.0% 0.27% 0.30% -7% 19.1% % B-M S FCU NJ 0 $105,452,750 4, % -8.9% -5.3% 14.9% 0.21% 0.11% 0.31% 14.7% 6.3% Liberty Savings FCU NJ 0 $96,723,572 21, % -9.9% -1.4% 11.3% 2.44% 2.41% 0.92% 53.6% 3.8% Deepwater Industries FCU NJ 0 $95,593,248 9, % 10.2% 6.0% 7.2% 1.30% 0.37% -0.38% 49.2% 14.5% Advanced Financial FCU NJ 0 $94,865,528 8, % 0.7% -4.8% 10.3% 4.80% 0.44% 0.77% 51.7% 25.1% Rutgers FCU NJ 0 $89,760,263 9, % -10.7% -0.2% 7.1% 5.40% 0.58% -0.38% 49.2% 17.5% Raritan Bay FCU NJ 0 $87,771,713 11, % 22.0% 2.6% 7.3% 1.48% 0.33% 0.52% 60.3% 1.6% Union Building Trades FCU NJ 0 $83,018,953 38, % -3.8% 13.8% 12.4% 2.38% -3% 0.29% 61.0% 11.8% Central Jersey FCU NJ 0 $80,706,434 7, % 3.6% -4.2% 6.4% 4.79% 1.34% 0.20% 49.3% 4.5% IRCO Community FCU NJ 0 $77,360,566 8, % 0.4% -0.2% 9.2% 0.53% 0.26% 0.25% 54.6% 16.0% Seaport FCU NJ 0 $73,784,293 5, % 5.1% -0.8% 14.8% 1.08% 0.37% 0.64% 57.1% 11.3% Motion FCU NJ 0 $69,455,847 7, % -14.9% -5.4% 6.1% 2.36% 0.88% 6% 70.1% 22.8% Members 1st of NJ FCU NJ 0 $61,531,159 8, % 5.7% 5.1% 7.2% 1.09% 0.30% 0.29% 58.8% 1.7% Bay Atlantic FCU NJ 0 $61,330,105 8, % 0.9% 1.8% 7.5% 0.90% 0.64% 0.65% 50.8% 5.0% Fort Billings FCU NJ 0 $60,011,727 3, % 0.8% -0.6% 10.5% 1% 0.37% 6% 41.6% 11.6% Atlantic City Electric Company EFCU NJ 0 $59,742,801 4, % 1.3% -0.1% 12.3% 4.77% 0.36% 0.32% 21.9% % Hoboken School EFCU NJ 0 $53,502,613 1, % -2.7% 0.7% 25.8% 2.05% 9% 0.57% 58.3% 36.1% New Jersey Law and Public Safety CU NJ 0 $48,874,587 8, % 1.6% -1.7% 14.6% 0.41% 0.54% 0.65% 68.2% 1.3% Unilever FCU NJ 0 $48,210,303 1, % 19.7% 0.4% 7.3% 0.11% 2% 0.31% 96.8% 69.2% VAH Lyons EFCU NJ 0 $47,937,388 1, % -6.5% 0.3% 10.1% 1.29% -1% 0.42% 18.7% % H & E Telephone FCU NJ 0 $45,897,576 3, % 1.3% -1.4% 12.6% 0.82% 0.23% 0.23% 59.5% 17.3% Postal ECU NJ 0 $40,532,022 2, % -2.8% 1.1% 14.3% 1.30% 0.84% -0.23% 39.7% % United Poles FCU NJ 0 $39,921,624 1, % 1.3% -9.6% 9.2% 2.32% -2% 1.12% 82.1% 25.8% Baker Federal Credit Union NJ 0 $39,851,243 4, % -9.0% 4.7% 6.6% 0.73% 1.32% 8% 80.5% % Bridgeton Onized FCU NJ 0 $39,215,224 7, % -22.7% -4.3% 5.6% 1.88% 0.39% 3.41% 61.5% 0.1% Public Service FCU NJ 1 $36,981,211 3, % 17.0% 3.5% 11.3% 4% 0.21% 0.56% 44.0% 8.2% Community Financial Services FCU NJ 0 $36,763,911 3, % -0.1% 6.7% 16.4% 1.61% 0.31% 0.37% 60.6% 10.4% Southern Middlesex Co Teachers FCU NJ 0 $36,188,043 3, % 1.0% 0.2% 9.4% 0.20% 0% 0.38% 30.6% 11.0% Mercer Co NJ Teachers FCU NJ 0 $34,174,069 3, % 12.6% -2.0% 7.0% 1.81% 0.19% 0.66% 28.1% % Garden State FCU NJ 1 $32,912,807 3, % 16.9% 8.2% 9.4% 2.28% 1.09% 0.19% 63.6% 26.2% Central Jersey Police & Fire FCU NJ 0 $32,130,109 2, % 11.7% 3.6% 13.3% 0.50% 0.53% 0.18% 58.1% 19.0% Lakehurst Naval FCU NJ 0 $30,685,918 2, % 7.3% -0.8% 10.3% 1.33% 0.98% 0.90% 43.2% 12.6%

16 New Jersey Credit Union Financial Summary Data as of June 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 First Point FCU NJ 0 $28,665,682 2, % 26.9% 74.1% 9.0% 2.00% 0.20% -0.36% 39.3% % Manville Area FCU NJ 0 $27,936,885 2, % -3.6% 0.8% 10.7% 2% 0.80% 0.16% 69.9% 17.4% NJ Gateway FCU NJ 0 $27,265,817 2, % -0.3% -2.0% 10.9% 0.92% 0.23% 5% 27.4% 5.4% Newark Board of Education CU NJ 0 $27,249,106 3, % -27.1% -5.4% 14.9% 4.31% 2.77% -1.05% 33.0% 6.8% Monmouth County Postal ECU NJ 0 $26,241,631 1, % 1.0% -0.5% 18.0% 3.47% -0.15% -5% 23.0% % L'Oreal USA FCU NJ 0 $26,204,203 3, % -2.8% -7.2% 20.8% 1.62% 0.30% 0.51% 62.2% 28.4% Atlantic Health Employees FCU NJ 0 $24,111,283 4, % 2.9% 5.1% 10.4% 3.01% 6% 0.80% 40.5% % Thunderbolt Area FCU NJ 0 $23,720,815 2, % 7.2% 0.3% 8.9% 2.25% 0.29% 1.14% 35.2% 2.9% Hamilton Horizons FCU NJ 0 $23,543,548 3, % -8.5% -7.9% 7.1% 2.02% 0.65% -0.15% 76.0% 2.6% Harrison Police and Firemens FCU NJ 0 $21,211,219 1, % 14.3% -1.3% 10.3% 2.69% 1% 0.84% 45.1% % Public Service Plaza FCU NJ 0 $20,269,707 1, % -14.7% -1.5% 11.8% 2.77% 0% 0.46% 13.1% 2.4% Jersey Central FCU NJ 0 $19,048,506 3, % 2.0% 3.7% 20.6% 0.67% 1.26% 8% 77.4% % Research 1166 FCU NJ 0 $18,084,028 1, % -0.4% -7.4% 8.6% 0.28% 0% 0.32% 43.7% 6.3% Division 819 Transit ECU NJ 0 $18,065,096 1, % 4.5% -2.9% 12.9% 2.29% 0.21% 1.24% 31.7% % Newark Firemen FCU NJ 0 $16,946,329 4, % 6.2% 5.1% 13.4% 6.21% 0.78% -0.23% 61.8% % New Brunswick Postal FCU NJ 1 $16,830,211 2, % 27.5% 71.8% 11.9% 2.06% 0.56% 0.19% 54.1% 16.0% East Orange VAH FCU NJ 0 $16,793,419 1, % 8.9% 3.3% 11.2% 2.65% 1.11% 0.63% 43.0% % Mid-State Federal Credit Union NJ 0 $16,790,694 1, % -15.5% 2.1% 10.3% 6% 3.45% -2.81% 59.7% 9.0% Bard EFCU NJ 0 $16,636,923 1, % -5.0% -46.9% 7.9% 0.29% 3.16% -0.90% 37.1% 17.2% Energy People FCU NJ 0 $16,081,818 1, % 10.6% 1.3% 19.5% 1% 0.11% 0.14% 107.7% 34.1% N.J.T. Employees FCU NJ 1 $15,432,291 1, % 14.6% 20.2% 9.1% 1.00% 0.13% 0.60% 24.6% % Essex County Teachers FCU NJ 0 $15,283,627 2, % 1.8% -2.1% 7.2% 2.63% 0.58% 0.51% 54.0% 5.9% Entertainment Industries FCU NJ 0 $14,829,234 2, % 13.3% -6.9% 7.7% 16.93% -9% 8% 97.8% 31.2% Federal Emp Newark FCU NJ 0 $14,247,484 2, % 9.7% -0.8% 19.2% 0.18% 5% 0.22% 90.5% % Teaneck Federal Credit Union NJ 0 $13,245,412 1, % -22.6% -3.3% 14.2% 1.42% 2% 0.27% 16.1% 5.6% Dow Jones EFCU NJ 0 $12,509,807 1, % 1.6% -7.9% 12.5% 0.29% -6% 4% 51.1% 16.7% Fairleigh Dickinson University FCU NJ 0 $12,144,947 1, % -0.4% -2.9% 10.6% 1.20% 0.75% -0.87% 70.1% 3.7% Path FCU NJ 0 $11,994,170 1, % 8.7% 1.0% 36.9% 4.80% 0.66% 1.52% 95.3% 0.8% PSE FCU NJ 0 $11,971,436 1, % 6.6% 0.1% 12.2% 2.86% -0.25% 0.96% 52.9% % Jersey City Firemen FCU NJ 0 $11,918,555 1, % -0.6% 0.4% 41.2% 3.83% 5% 0.52% 43.8% % Goya Foods FCU NJ 0 $11,609, % -2.8% -4.4% 14.9% 0.70% 0% 0.76% 12.4% % Peoples Transport FCU NJ 0 $10,942,303 1, % 2.4% -1.0% 10.9% 3.84% 1.13% 0.26% 57.3% % Bergen Division FCU NJ 0 $10,726,942 1, % 0.7% 0.8% 16.6% 1.36% 2.44% 0.15% 52.1% % NJ Latvian FCU NJ 0 $10,501, % 104.7% -1.8% 12.5% 4.63% 0% -0.10% 5.2% 3.2% P.S.E. and G. Nuclear EFCU NJ 0 $10,013,535 1, % -9.5% -6.8% 8.1% 1.27% 0.23% 0.24% 40.3% % South Jersey Gas EFCU NJ 0 $9,965, % 3.5% -0.1% 24.2% 1.37% 0% 1.09% 33.6% % Local 1233 FCU NJ 0 $9,944, % -4.3% -0.6% 18.9% 1% 7% 0.36% 55.8% % Wakefern FCU NJ 0 $9,942,669 1, % 12.3% 4.0% 20.3% 0% 0.49% 0.28% 17.4% 0.9% Hoboken NJ Police FCU NJ 0 $9,865, % 0.9% 9.2% 21.9% 7% -0.11% 0.48% 85.6% % Jersey City Police FCU NJ 0 $9,728,067 1, % 2.1% -2.4% 14.7% 0.74% 0.29% 0.83% 22.1% % Linden NJ Police and Firemen FCU NJ 0 $9,698,079 1, % -0.4% -3.9% 16.9% 4.35% -2% 0.60% 14.7% % Middlesex County NJ EFCU NJ 0 $9,556,623 1, % 1.7% -1.8% 16.7% 2.28% 0.54% -0.92% 29.2% % Erie Lackawanna RR Co EFCU NJ 0 $9,540,610 1, % -11.7% 4.6% 24.8% 2.25% 0.59% 1.70% 56.7% % Kearny Municipal EFCU NJ 0 $9,312, % -5.4% -1.6% 16.2% 8.21% -3% 0.26% 15.2% % Elizabeth NJ Firemens FCU NJ 0 $9,223,861 1, % 1% -5.5% 8.0% 2.47% 0.37% 0.22% 32.5% 0.6% East Orange Firemens FCU NJ 0 $8,841, % 7.5% 1% 19.9% 4.96% 2.38% -1.97% 69.6% % Public Service HC EFCU NJ 0 $8,662, % -16.5% -4.1% 28.3% 3.46% 1.29% 0% 29.4% 0.5% New Jersey Community FCU NJ 0 $8,595,694 1, % -1.1% -6.3% 7.7% 0.15% 0.48% 0.78% 59.6% 21.4% Fort Dix FCU NJ 0 $8,378,840 1, % -35.2% -16.1% 12.8% 5.48% 3.61% -0.36% 33.2% % Union County EFCU NJ 0 $8,330,609 1, % -9.5% -3.3% 14.3% 4.32% 1.31% 0.17% 35.9% % Saker Shop Rite FCU NJ 0 $7,932,563 2, % -6.3% -50.2% 22.1% 4.46% 1.26% 1.99% 26.0% % Rutherford Postal District EFCU NJ 0 $7,838, % -22.7% -1.7% 7.5% 0% 0.17% 0% 3.4% % I.L.A. Local 1235 FCU NJ 0 $7,644, % -6.2% -5.1% 16.8% 0% -0.15% -0.43% 65.8% % Global 1 FCU NJ 0 $7,407,131 1, % -1.3% 2.9% 7.5% 1.12% 2.55% -0.40% 52.7% 17.7% West Orange Municipal FCU NJ 0 $7,287,604 1, % 4.0% -3.3% 7.8% 0.83% 0.52% 0.53% 60.3% 1.7% West Hudson Teachers FCU NJ 0 $7,113,783 1, % 0.4% -0.8% 9.8% 4.38% -0.22% -7% 18.8% % Essex County New Jersey EFCU NJ 0 $7,014,935 2, % 1.0% -1.3% 10.6% 0.23% 0.27% -0.62% 43.0% % Passaic Police FCU NJ 0 $6,911, % -2.9% 3.8% 13.4% 2.08% 0.34% 0.34% 29.3% %

17 New Jersey Credit Union Financial Summary Data as of June 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 OCNAC No 1 FCU NJ 0 $6,716,683 2, % -5.5% 1.7% 11.2% 4.78% 2.22% 0.11% 36.0% % HMC NJ FCU NJ 0 $6,711, % 13.0% 1.0% 11.4% 5% 0.66% 2% 31.9% % Bayonne School EFCU NJ 0 $6,689, % -10.5% 6.9% 7.5% 0% 7% 0.68% 11.0% % Health Care of New Jersey FCU NJ 0 $6,680,796 1, % -4.5% -1.1% 13.0% 0.21% 6% 0.71% 49.4% % Bloomfield Fire and Police FCU NJ 0 $6,598,728 1, % 15.2% 2.3% 17.1% 1.71% 0.28% 0.87% 86.8% % Newark Police FCU NJ 0 $6,397,022 1, % -2.6% 1.3% 23.1% 5.23% 0% 1.22% 55.9% % Bayonne City EFCU NJ 0 $5,326, % -1.6% -1.9% 23.9% 0.15% 0% -0.20% 38.2% % Paterson Police FCU NJ 0 $5,288, % -10.9% -2.1% 16.6% 1.09% 0.27% 0.65% 27.2% % Metrex FCU NJ 0 $5,263, % 16.9% -2.1% 20.4% 1.39% 0.87% 1.69% 96.7% % Parlin Dupont EFCU NJ 0 $5,212, % 3.3% 2.3% 8.2% 1.62% 0.57% 0.12% 46.8% % GAF Linden EFCU NJ 0 $4,912, % -0.5% -0.8% 11.7% 1.93% 0.33% 0.46% 30.8% 3.8% Bayonne Hospital EFCU NJ 0 $4,795, % 6.0% -2.3% 15.8% 0.53% 1.89% 8% 24.4% % Trenton NJ Firemen FCU NJ 0 $3,943, % -1.0% -0.8% 16.7% 0.39% 0% 0.20% 31.3% % Public Service ED Trenton FCU NJ 0 $3,874, % -0.7% -1.5% 31.4% 0.72% -2% 0.11% 18.4% % United Investors FCU NJ 0 $3,808, % -9.9% -3.7% 7.3% 0.95% 0.48% -3.16% 37.2% % Unity FCU NJ 0 $3,479, % -13.5% 0.7% 18.0% 0.17% -6% 0.24% 54.9% % 1st Bergen FCU NJ 0 $3,406,470 2, % 30.2% 9.5% 7.7% 9.43% -4% 0.56% 80.4% % New Community FCU NJ 0 $3,291,858 3, % -16.1% 5.6% 13.0% 2% 0% -9% 57.0% 41.9% Newark Post Office ECU NJ 0 $3,132,322 1, % -6.1% -3.1% 31.6% 3.13% 5.01% -2.30% 68.6% % Clifton NJ Postal EFCU NJ 0 $2,930, % -4.3% -1.3% 37.9% 3.73% 0.17% -0.31% 37.0% % Plainfield Police and Firemen FCU NJ 0 $2,917, % -13.0% -3.6% 7.5% 12.61% -2.38% 0% 41.9% % Nestle -Freehold- EFCU NJ 0 $2,849, % 6.8% 1.5% 19.7% 0% 0% 0.65% 56.0% % Atlantic County NJ EFCU NJ 0 $2,567, % -1.4% -4.7% 23.4% 0% 0.51% 2% 16.0% % Trenton Teachers FCU NJ 0 $2,446, % 4.4% -4.1% 10.7% 17.95% 0.68% -6% 8.3% % Elizabeth Police Dept EFCU NJ 0 $2,365, % 17.3% -0.7% 39.1% 2.64% -0.55% -1.10% 65.6% % Atlantic City Police FCU NJ 0 $2,317, % -19.8% -1.5% 11.4% 1.00% 0.28% -0.97% 11.3% % Criers FCU NJ 0 $1,900, % 17.1% -2.8% 19.3% 0% 0% 1.11% 20.3% % Piscataway Township EFCU NJ 0 $1,838, % 3.0% -4.8% 13.6% 0.52% 0% 0.33% 44.6% % M & C Menlo Park FCU NJ 0 $1,833, % -7.5% -1.7% 8.6% 9.28% 2.16% 8% 37.2% % St Andrew KIM FCU NJ 0 $1,745, % -23.9% -23.5% 15.1% 1.39% 1.25% -0.44% 35.4% % Ocean County EFCU NJ 0 $1,511, % -6.3% -9.2% 13.0% 0.58% 0.67% 1.22% 32.4% % Plainfield CU NJ 0 $1,324, % 6.9% -3.6% 20.2% 6.81% 1.11% 0.24% 22.2% % Terminals FCU NJ 0 $972, % 12.3% % 28.5% 7.94% 0% 1.32% 97.1% % Defense Logistics FCU NJ 0 $815, % -22.6% -8.0% 7.4% 4.51% 0% -0.35% 56.3% % FC FCU NJ 0 $759, % -89.3% -13.0% 32.7% 0% 0% -2.66% 1.3% % Camden Police FCU NJ 0 $678, % 35.5% 21.1% 7.0% 5% -0.16% -1.85% 61.5% % Passaic Postal ECU NJ 0 $471, % -11.6% -1.1% 15.9% 5.04% -0.10% -1.65% 50.7% % Mercer County Imprvmt Athrty EFCU NJ 0 $395, % 7.1% -7.4% 24.1% 2.67% 3.91% 1.17% 80.5% % Israel Memorial AME FCU NJ 0 $378, % 81.7% -0.6% 41.2% 3.90% -0.25% 1.32% 59.6% % Camden Firemens CU NJ 0 $367, % 4.5% 0.7% 11.9% 0% 0.32% 0.57% 86.3% % Heard AME FCU NJ 0 $224, % 40.6% -21.7% 10.7% 5.10% 0% 0.76% 31.8% % Messiah Baptist Church FCU NJ 0 $218, % 13.5% 5.0% 12.6% 0% 0% 1.34% 22.1% % Salem Baptist FCU NJ 0 $144, % -22.8% -0.7% 21.6% 0% 0% -0.40% 10.8% % Bay Ridge Lodge No 632 FCU NJ 0 $88, % -1.6% -5.4% 53.2% 0% 0% 1.13% 65.3% % Medians $15,056,431 1, % 0.8% -0.8% 11.4% 1.43% 0.30% 0.27% 50.9% % By Asset Size Number of Insts. $5 million and less % -1.4% -0.2% 18.0% 3.34% 0.48% -0.21% 39.8% 2.3% $5 to $10 million 33 1, % -1.4% -6.0% 15.8% 1.88% 0.66% 0.31% 40.4% 1.3% $10 to $20 million 24 1, % 4.1% -0.2% 14.2% 2.99% 0.73% 0.12% 53.3% 6.7% $20 to $50 million 26 3, % 1.0% 0.7% 11.0% 1.29% 0.46% 0.47% 52.1% 11.4% $50 to $100 million 15 8, % -0.2% 3.0% 1% 2.36% 0.63% 0.31% 52.8% 12.1% $100 to $250 million 17 14, % -0.5% -4.5% 9.7% 2.24% 0.75% 5% 61.9% 14.5% $250 million , % 12.0% 7.9% 9.2% 1.19% 0.38% 0.42% 78.2% 27.3% Source: NCUA and CUNA E&S. 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.