Quarterly Credit Union Performance Report
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- Shavonne Shields
- 5 years ago
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1 Quarterly Credit Union Performance Report
2 We hope the second-quarter 2017 Credit Union Quarterly Performance Report for California and Nevada is a valuable resource as you continue to strategically plan for your credit union s next steps! Brought to you by the California and Nevada Credit Union Leagues, this comprehensive report is created every quarter specifically for C-level executives, senior management, and board directors. It s one way we are equipping League members with the data they need to accurately benchmark their credit union s performance to others across the state. Included herein is information and data on: California, Nevada, and U.S. trends Industry demographic snapshots and growth rates Earnings, capital adequacy, and asset quality Asset/liability management, productivity, and structure 5-year breakdown Portfolio analysis This report is just one of multiple endeavors we are always fine-tuning to help you navigate the future, including local industry trends on loans, deposits and membership; expertise on economic trends, movement in the financial markets, and interest rate expectations; and regional economic forecasts and news. To access the Leagues most recent in-depth news coverage and analysis of an economic forecast in your region of California or Nevada, Matt Wrye at mattw@ccul.org. The latest projections for California, Nevada and the United States show the overall economy is on solid footing going into 2018 and most likely In fact, a lack of labor to fill certain jobs is the real issue, as well as social, demographic, educational and wealth trends. However, our moderately-expanding economy may finally start to enter its last consecutive quarters of growth sometime in the foreseeable future, some experts forewarn. The Leagues chief economist, Dwight Johnston, is here to help. To receive Dwight s daily commentary and routine Economix updates, visit and look for D.J. s Economix under the Resources tab! Questions? Contact Rick Stanton at rstanton@ccul.org. Thank you for your membership in the League!
3 California & Nevada Credit Union Profile U.S. CUs California CUs Nevada CUs Demographic Information 6/30/2017 6/30/2017 6/30/2017 Number of CUs 5, Assets per CU ($ mil) $235 $579 $278 Median assets ($mil) $30.5 $88.6 $156.0 Total assets ($mil) $1,366,885 $185,834 $4,718 Total loans ($mil) $928,090 $119,286 $2,713 Total surplus funds ($mil) $384,479 $60,547 $1,810 Total Savings ($mil) $1,159,732 $157,425 $4,176 Total members (thousands) 110,637 11, Growth Rates 30-Jun 30-Jun 30-Jun Total assets 8.0% 10.2% 9.5% Total loans 11.2% 14.2% 11.7% Total surplus funds 2.2% 4.1% 6.1% Total savings 8.6% 10.5% 0.3% Total members 4.8% 6.6% 3.4% % CUs with increasing assets 75.8% 83.2% 94.1% Earnings - Basis Pts. 30-Jun 30-Jun 30-Jun Yield on total assets Dividends/interest cost of assets Annualized Net interest margin Annualized Fee & other income Operating expense Loss Provisions Net Income (ROA) without Stab Exp % CUs with positive ROA 79.2% 81.3% 94.1% Capital Adequacy 30-Jun 30-Jun 30-Jun Net worth/assets 10.8% 10.9% 10.7% % CUs with NW >7% of assets 92.0% 87.5% 94.1% Asset Quality 30-Jun 30-Jun 30-Jun Delinquencies (60+ day $)/loans (%) 0.75% 0.41% 0.53% Net chargeoffs/average loans 0.55% 0.32% 0.42% Total borrower-bankruptcies 192,758 13, Bankruptcies per CU Bankruptcies per 1,000 members Asset/Liability Management 30-Jun 30-Jun 30-Jun Loans/savings 80.0% 75.8% 43.4% Loans/assets 67.9% 64.2% 57.5% Net Long-term assets/assets 33.5% 36.8% 33.5% Liquid assets/assets 13.5% 14.7% 25.6% Core deposits/shares & borrowings 50.3% 49.9% 65.5% Productivity 30-Jun 30-Jun 30-Jun Members/potential members (%) 4.0% 3.5% 5.5% Borrowers/members (%) 57.1% 54.7% 50.7% Members/FTE Average shares/member ($) $10,482 $13,984 $11,867 Average loan balance ($) $14,701 $19,364 $15,213 Employees per million in assets Structure 30-Jun 30-Jun 30-Jun CUs with a Federal Charter CUs with a State Charter CUs Privately Insured (state charter) Earnings, net chargeoffs, and bankruptcies are year-to-date numbers annualized, Due to significant seasonal variation, balance sheet grwoth rates are for the trailing 12 months. US Totals include only credit unions that are released on the NCUA 5300 Call Report file. Overview by Year
4 U.S. CUs Overview by Year California Credit Union Profile California Credit Unions Demographic Information 30-Jun 30-Jun Number of CUs 5, Assets per CU ($ mil) $235 $579 $504 $464 $389 $354 $328 Median assets ($mil) $31 $89 $75 $67 $62 $57 $54 Total assets ($mil) $1,366,885 $185,834 $170,757 $157,361 $146,770 $140,018 $135,350 Total loans ($mil) $928,090 $119,286 $105,736 $92,613 $81,837 $72,862 $71,521 Total surplus funds ($mil) $384,479 $60,547 $58,852 $59,027 $59,698 $62,636 $60,138 Total Savings ($mil) $1,159,732 $157,425 $144,298 $132,982 $124,931 $120,520 $116,799 Total members (thousands) 110,637 11,257 10,712 10,247 9,901 9,702 9,616 Growth Rates 30-Jun 30-Jun Total assets 8.0% 10.2% 9.1% 7.7% 5.1% 3.9% 6.0% Total loans 11.2% 14.2% 14.8% 13.5% 12.6% 2.2% 0.3% Total surplus funds 2.2% 4.1% 0.4% -0.6% -4.4% 4.7% 14.0% Total savings 8.6% 10.5% 9.2% 6.9% 4.0% 3.6% 6.3% Total members 4.8% 6.6% 5.3% 4.1% 2.6% 1.6% 1.0% % CUs with increasing assets 75.8% 83.2% 84.1% 73.1% 62.3% 57.7% 70.5% Earnings - Basis Pts. 30-Jun 30-Jun Yield on total assets Dividends/interest cost of assets Net interest margin Fee & other income Operating expense Loss Provisions Net Income (ROA) without Stab Exp % CUs with positive ROA 79.2% 81.3% 80.5% 77.3% 74.5% 73.4% 74.3% Capital Adequacy 30-Jun 30-Jun Net worth/assets 10.8% 10.9% 11.0% 11.2% 11.1% 10.7% 10.0% % CUs with NW >7% of assets 92.0% 87.5% 90.0% 93.0% 90.7% 85.8% 79.7% Asset Quality 30-Jun 30-Jun Delinquencies (60+ day $)/loans (%) 0.75% 0.41% 0.43% 0.54% 0.79% 1.10% 1.32% Net chargeoffs/average loans 0.55% 0.32% 0.26% 0.25% 0.31% 0.56% 1.03% Total borrower-bankruptcies 192,758 13,928 13,946 13,954 16,936 22,996 33,090 Bankruptcies per CU Bankruptcies per 1,000 members Asset/Liability Management 30-Jun 30-Jun Loans/savings 80.0% 75.8% 73.3% 69.6% 65.5% 60.5% 61.2% Loans/assets 67.9% 64.2% 61.9% 58.9% 55.8% 52.0% 52.8% Net Long-term assets/assets 33.5% 36.8% 35.5% 36.5% 40.2% 39.0% 52.8% Liquid assets/assets 13.5% 14.7% 15.0% 14.9% 15.3% 18.5% 20.1% Core deposits/shares & borrowings 50.3% 49.9% 48.6% 47.5% 46.1% 44.9% 42.7% Productivity 30-Jun 30-Jun Members/potential members (%) 4.0% 3.5% 3.7% 3.5% 4.0% 4.0% 4.0% Borrowers/members (%) 57.1% 54.7% 54.4% 50.9% 48.2% 45.4% 44.4% Members/FTE Average shares/member ($) $10,482 $13,984 $13,470 $12,978 $12,619 $12,422 $12,147 Average loan balance ($) $14,701 $19,364 $18,146 $17,772 $17,154 $16,537 $16,764 Employees per million in assets Structure 30-Jun 30-Jun CUs with a Federal Charter 3, CUs with a State Charter 2, CUs Privately Insured (state charter) Earnings, net chargeoffs, and bankruptcies are year-to-date numbers annualized, Due to significant seasonal variation, balance sheet grwoth rates are for the trailing 12 months. US Totals include only credit unions that are released on the NCUA 5300 Call Report file.
5 U.S. CUs California Credit Union Profile Portfolio: State Trends California Credit Unions Growth Rates 30-Jun 30-Jun Credit Cards 8.3% 7.3% 6.7% 6.4% 6.5% 4.2% 1.180% Other unsecured loans 7.5% 9.9% 15.9% 14.1% 14.7% 8.3% -0.1% New automobile 16.7% 28.1% 32.3% 36.3% 32.4% 12.8% -10.7% Used automobile 11.0% 16.2% 18.8% 16.9% 15.8% 9.9% 5.1% First mortgage 10.6% 13.1% 13.1% 11.8% 12.7% 2.2% 4.3% HEL & 2nd Mtg. 6.5% 4.4% 5.2% 2.0% 1.3% -11.6% -10.8% Member Business Loans 17.1% 17.3% 16.3% 12.8% 12.6% 6.4% 0.8% Share drafts 15.4% 14.0% 12.0% 10.7% 8.4% 5.6% 16.8% Certificates 4.9% 6.4% 6.4% 3.4% -0.5% -6.7% -6.2% IRAs 1.2% 1.4% 1.2% -1.4% -3.5% -3.5% -1.2% Money market shares 7.3% 9.1% 7.5% 4.2% 3.1% 4.3% 7.2% Regular shares 9.7% 13.9% 11.8% 10.7% 7.1% 10.3% 14.8% Portfolio & Distribution 30-Jun 30-Jun Credit cards / total loans 5.8% 4.7% 4.9% 5.3% 5.7% 6.0% 5.9% Other unsecured loans / total loans 4.2% 2.8% 2.9% 2.9% 2.9% 2.8% 2.7% New automobile / total loans 13.6% 14.3% 12.7% 11.1% 9.2% 7.9% 7.1% Used automobile / total loans 21.2% 16.6% 16.4% 15.9% 15.4% 15.1% 14.0% First mortgage / total loans 40.7% 50.1% 50.7% 51.3% 52.1% 52.1% 52.0% HEL & 2nd Mtg / total loans 8.8% 8.7% 9.5% 10.4% 11.6% 12.9% 14.9% Member business loans / total loans 7.1% 7.8% 7.6% 7.5% 7.5% 7.5% 7.2% Shared drafts / total savings 5.7% 13.5% 13.2% 12.9% 12.5% 12.0% 11.8% Certificates / total savings 17.9% 16.3% 16.8% 17.2% 17.9% 18.6% 20.7% IRAs / total savings 6.8% 5.7% 6.2% 6.7% 7.3% 7.8% 8.4% Money market shares / total savings 22.4% 26.1% 26.4% 26.8% 27.4% 27.6% 27.4% Regular shares / total savings 35.6% 37.2% 36.1% 35.3% 34.1% 33.1% 31.2% Percent of CUs Offering 30-Jun 30-Jun Credit cards 60.4% 76.3% 76.7% 74.8% 73.2% 71.9% 70.2% Other unsecured loans 98.4% 98.4% 98.5% 98.9% 98.7% 99.2% 98.8% New automobile 95.4% 97.5% 97.9% 97.5% 97.3% 98.2% 98.1% Used automobile 96.7% 98.4% 98.5% 98.6% 97.9% 98.0% 98.3% First mortgage 67.2% 80.7% 81.1% 79.8% 79.8% 78.5% 78.0% HEL & 2nd Mtg 69.8% 85.0% 84.4% 84.3% 83.6% 82.0% 82.1% Member business loans 36.2% 52.6% 52.8% 49.3% 83.6% 83.3% 84.3% Shared drafts 79.4% 87.5% 87.6% 86.0% 85.9% 85.3% 85.0% Certificates 80.3% 86.0% 85.3% 83.5% 83.6% 83.3% 84.3% IRAs 68.0% 82.6% 82.3% 81.0% 81.2% 80.8% 80.9% Money market shares 50.2% 66.4% 65.8% 64.1% 62.9% 61.8% 61.5% Percent of Members in Offering CUs 30-Jun 30-Jun Credit cards 18.9% 20.8% 21.8% 20.2% 19.6% 19.0% 18.3% Other unsecured loans 17.4% 20.0% 21.0% 19.4% 18.5% 17.5% 16.8% New automobile 5.6% 6.7% 5.7% 4.8% 4.0% 3.5% 3.8% Used automobile 14.4% 12.9% 12.4% 11.5% 10.9% 10.2% 9.7% First mortgage 2.4% 1.9% 1.9% 1.8% 1.8% 0.2% 0.2% HEL & 2nd Mtg 2.1% 2.0% 2.0% 2.0% 2.1% 2.0% 2.3% Member business loans 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% Shared drafts 57.3% 64.3% 63.7% 63.2% 62.1% 61.0% 58.7% Certificates 7.7% 7.1% 7.5% 8.0% 8.5% 9.1% 9.9% IRAs 4.5% 4.9% 5.2% 5.6% 6.0% 6.3% 6.6% Money market shares 7.1% 9.8% 10.1% 10.2% 10.3% 10.5% 10.4% Earnings, net chargeoffs, and bankruptcies are year-to-date numbers annualized, Due to significant seasonal variation, balance sheet grwoth rates are for the trailing 12 months. US Totals include only credit unions that are released on the NCUA 5300 Call Report file.
6 CA California Credit Union Profile Overview: State Results by Asset Size California Credit Union Asset Groups Demographic Information 30-Jun <$20Mil $20-$50 $50-$100 $100-$250 $250-$500 $500-$1B >$1B Number of CUs Assets per CU ($ mil) $579 $8 $34 $59 $168 $397 $611 $3,075 Median assets ($mil) $89 $7 $33 $72 $160 $401 $776 $1,861 Total assets ($mil) $185,834 $517 $1,990 $3,469 $8,066 $11,114 $17,720 $138,396 Total loans ($mil) $119,286 $214 $867 $1,773 $4,611 $6,312 $11,802 $90,658 Total surplus funds ($mil) $60,547 $290 $1,054 $1,569 $3,119 $4,281 $5,088 $43,788 Total Savings ($mil) $157,425 $452 $1,763 $3,081 $7,121 $9,750 $15,550 $115,759 Total members (thousands) 11, ,292 7,616 Growth Rates 30-Jun <$20Mil $20-$50 $50-$100 $100-$250 $250-$500 $500-$1B >$1B Total assets 10.2% 1.9% 4.5% 5.3% 6.2% 7.9% 7.2% 11.4% Total loans 14.2% 0.8% 4.7% 7.0% 12.5% 9.5% 9.6% 15.7% Total surplus funds 4.1% 1.8% 3.9% 3.6% -1.7% 6.3% 3.5% 4.5% Total savings 10.5% 2.4% 5.1% 5.6% 6.4% 8.4% 7.9% 11.7% Total members 6.6% -1.4% 0.7% -0.3% 1.3% 6.3% 4.7% 8.0% % CUs with increasing assets 83.2% 53.8% 76.3% 91.5% 91.7% 100.0% 89.7% 100.0% Earnings - Basis Pts. 30-Jun <$20Mil $20-$50 $50-$100 $100-$250 $250-$500 $500-$1B >$1B Yield on total assets Dividends/interest cost of assets Net interest margin Fee & other income Operating expense Loss Provisions Net Income (ROA) without Stab Exp 74 (16) % CUs with positive ROA 81.3% 46.2% 72.9% 93.6% 91.7% 96.4% 96.6% 97.8% Capital Adequacy 30-Jun <$20Mil $20-$50 $50-$100 $100-$250 $250-$500 $500-$1B >$1B Net worth/assets 10.9% 12.4% 11.0% 10.7% 10.9% 10.9% 10.5% 10.9% % CUs with NW >7% of assets 87.5% 92.3% 93.2% 95.7% 95.8% 100.0% 100.0% 100.0% Asset Quality 30-Jun <$20Mil $20-$50 $50-$100 $100-$250 $250-$500 $500-$1B >$1B Delinquencies (60+ day $)/loans (%) 0.41% 1.22% 0.67% 0.74% 0.70% 0.42% 0.48% 0.37% Net chargeoffs/average loans 0.32% 0.61% 0.46% 0.33% 0.48% 0.33% 0.52% 0.29% Total borrower-bankruptcies 13, ,036 9,232 Bankruptcies per CU Bankruptcies per 1,000 members Asset/Liability Management 30-Jun <$20Mil $20-$50 $50-$100 $100-$250 $250-$500 $500-$1B >$1B Loans/savings 75.8% 47.4% 49.2% 57.5% 64.7% 64.7% 75.9% 78.3% Loans/assets 64.2% 41.5% 43.6% 51.1% 57.2% 56.8% 66.6% 65.5% Net Long-term assets/assets 36.8% 15.2% 26.2% 29.3% 29.3% 36.7% 66.6% 65.5% Liquid assets/assets 14.7% 26.4% 24.0% 20.5% 19.9% 17.4% 14.2% 14.0% Core deposits/shares & borrowings 49.9% 81.5% 70.0% 65.4% 64.3% 63.1% 53.6% 46.6% Productivity 30-Jun <$20Mil $20-$50 $50-$100 $100-$250 $250-$500 $500-$1B >$1B Members/potential members (%) 3.5% 5.3% 3.0% 6.3% 3.6% 2.2% 4.5% 3.7% Borrowers/members (%) 54.7% 35.7% 49.3% 46.1% 53.0% 46.8% 59.7% 55.5% Members/FTE Average shares/member ($) $13,984 $6,375 $9,381 $10,669 $10,997 $11,070 $12,033 $15,199 Average loan balance ($) $19,364 $8,474 $9,358 $13,326 $13,421 $15,318 $15,296 $21,456 Employees per million in assets Structure 30-Jun <$20Mil $20-$50 $50-$100 $100-$250 $250-$500 $500-$1B >$1B CUs with a Federal Charter CUs with a State Charter CUs Privately Insured (state charter) Earnings, net chargeoffs, and bankruptcies are year-to-date numbers annualized, Due to significant seasonal variation, balance sheet grwoth rates are for the trailing 12 months. US Totals include only credit unions that are released on the NCUA 5300 Call Report file.
7 CA California Credit Union Profile Portfolio: State Trends California CUs Asset Groups Growth Rates 30-Jun <$20Mil $20-$50 $50-$100 $100-$250 $250-$500 $500-$1B >$1B Credit Cards 8.3% -0.8% -3.9% 0.4% 2.6% 3.8% 6.1% 8.4% Other unsecured loans 7.5% 3.7% 1.4% 6.9% 4.2% 6.9% -1.3% 14.7% New automobile 16.7% 6.1% 13.2% 14.4% 31.1% 20.9% 20.6% 30.3% Used automobile 11.0% 3.5% 3.6% 9.9% 14.2% 6.3% 9.6% 19.3% First mortgage 10.6% -5.7% 3.8% 5.0% 4.5% 10.0% 8.0% 14.6% HEL & 2nd Mtg. 6.5% 5.8% 3.4% 8.8% 4.9% 9.1% 0.6% 4.6% Member Business Loans 17.1% -17.8% -3.0% -0.5% 2.5% 12.9% 5.8% 21.6% Share drafts 15.4% 9.4% 13.9% 15.7% 13.4% 13.9% 13.6% 14.2% Certificates 4.9% 0.5% -2.0% -2.3% 2.9% 8.0% -0.2% 8.0% IRAs 1.2% -6.9% -4.5% -2.8% -3.2% -1.5% -1.2% 2.6% Money market shares 7.3% 3.5% 4.2% 1.3% 2.2% 3.9% 4.6% 10.3% Regular shares 9.7% 2.1% 5.9% 7.5% 7.7% 9.2% 12.8% 15.7% Portfolio & Distribution 30-Jun <$20Mil $20-$50 $50-$100 $100-$250 $250-$500 $500-$1B >$1B Credit cards / total loans 5.8% 3.8% 5.5% 4.2% 3.7% 5.4% 5.7% 4.5% Other unsecured loans / total loans 4.2% 16.2% 6.9% 5.3% 4.5% 4.2% 3.6% 2.4% New automobile / total loans 13.6% 21.5% 13.0% 12.3% 18.3% 13.1% 14.1% 14.3% Used automobile / total loans 21.2% 32.1% 23.7% 19.6% 26.3% 17.7% 20.2% 15.3% First mortgage / total loans 40.7% 14.6% 33.2% 39.5% 33.8% 45.0% 43.5% 52.8% HEL & 2nd Mtg / total loans 8.8% 5.3% 9.2% 12.7% 7.4% 9.3% 7.9% 8.8% Member business loans / total loans 7.1% 3.6% 1.6% 5.3% 3.2% 6.7% 11.6% 7.6% Shared drafts / total savings 5.7% 10.7% 14.8% 18.0% 18.6% 20.1% 19.9% 11.4% Certificates / total savings 17.9% 7.8% 12.7% 14.4% 13.2% 14.6% 17.1% 16.6% IRAs / total savings 6.8% 3.0% 5.2% 6.1% 6.2% 4.9% 5.6% 5.8% Money market shares / total savings 22.4% 3.7% 11.0% 12.1% 15.0% 16.9% 22.9% 28.8% Regular shares / total savings 35.6% 70.8% 55.1% 47.5% 45.7% 43.1% 33.4% 36.2% Percent of CUs Offering 30-Jun <$20Mil $20-$50 $50-$100 $100-$250 $250-$500 $500-$1B >$1B Credit cards 60.4% 23.1% 81.4% 91.5% 83.3% 96.4% 100.0% 95.6% Other unsecured loans 98.4% 92.3% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% New automobile 95.4% 90.8% 100.0% 97.9% 97.9% 100.0% 100.0% 100.0% Used automobile 96.7% 93.8% 100.0% 97.9% 100.0% 100.0% 100.0% 100.0% First mortgage 67.2% 20.0% 89.8% 93.6% 97.9% 100.0% 100.0% 100.0% HEL & 2nd Mtg 69.8% 36.9% 91.5% 95.7% 100.0% 100.0% 100.0% 100.0% Member business loans 36.2% 12.3% 30.5% 57.4% 58.3% 92.9% 100.0% 97.8% Shared drafts 79.4% 46.2% 94.9% 100.0% 97.9% 100.0% 100.0% 97.8% Certificates 80.3% 50.8% 91.5% 97.9% 91.7% 92.9% 100.0% 97.8% IRAs 68.0% 33.8% 89.8% 93.6% 95.8% 96.4% 100.0% 97.8% Money market shares 50.2% 15.4% 57.6% 76.6% 83.3% 82.1% 96.6% 93.3% Percent of Members in Offering CUs 30-Jun <$20Mil $20-$50 $50-$100 $100-$250 $250-$500 $500-$1B >$1B Credit cards 18.9% 20.4% 16.2% 14.5% 16.7% 18.1% 22.0% 21.4% Other unsecured loans 17.4% 8.7% 13.6% 13.5% 13.9% 17.9% 22.0% 20.9% New automobile 5.6% 3.3% 5.8% 4.4% 7.3% 4.1% 6.2% 7.2% Used automobile 14.4% 8.3% 15.0% 11.7% 16.1% 9.7% 14.6% 12.7% First mortgage 2.4% 1.1% 0.9% 1.2% 1.3% 0.2% 0.5% 0.2% HEL & 2nd Mtg 2.1% 0.7% 1.0% 1.5% 1.2% 1.4% 1.7% 2.2% Member business loans 0.2% 0.1% 0.1% 0.2% 0.1% 0.2% 0.5% 0.2% Shared drafts 57.3% 31.9% 39.2% 41.8% 53.4% 64.9% 62.0% 67.3% Certificates 7.7% 2.8% 4.9% 5.1% 4.7% 5.3% 7.2% 7.7% IRAs 4.5% 2.7% 3.2% 4.0% 3.7% 3.5% 4.6% 5.2% Money market shares 7.1% 2.9% 4.0% 3.3% 4.2% 4.8% 6.1% 11.9% Earnings, net chargeoffs, and bankruptcies are year-to-date numbers annualized, Due to significant seasonal variation, balance sheet grwoth rates are for the trailing 12 months. US Totals include only credit unions that are released on the NCUA 5300 Call Report file.
8 U.S. CUs Overview by Year Nevada Credit Union Profile Nevada Credit Unions Demographic Information 30-Jun 30-Jun Number of CUs 5, Assets per CU ($ mil) $235 $278 $253 $236 $212 $205 $185 Median assets ($mil) $31 $156 $145 $135 $117 $113 $91 Total assets ($mil) $1,366,885 $4,718 $4,307 $4,012 $3,823 $3,690 $3,699 Total loans ($mil) $928,090 $2,713 $2,428 $2,199 $2,006 $1,969 $2,139 Total surplus funds ($mil) $384,479 $1,810 $1,706 $1,656 $1,682 $1,613 $1,477 Total Savings ($mil) $1,159,732 $4,176 $3,813 $3,571 $3,418 $3,327 $3,364 Total members (thousands) 110, Growth Rates 30-Jun 30-Jun Total assets 8.0% 9.5% 7.4% 5.3% 3.6% 1.4% 0.6% Total loans 11.2% 11.7% 10.4% 10.0% 1.9% -6.2% -6.1% Total surplus funds 2.2% 6.1% 3.0% -1.1% 4.2% 10.6% 11.0% Total savings 8.6% 0.3% 6.8% 4.9% 2.7% 0.6% 0.3% Total members 4.8% 3.4% 2.2% 1.3% -0.4% -2.6% -2.5% % CUs with increasing assets 75.8% 94.1% 94.1% 88.2% 66.7% 55.6% 65.0% Earnings - Basis Pts. 30-Jun 30-Jun Yield on total assets Dividends/interest cost of assets Net interest margin Fee & other income Operating expense Loss Provisions Net Income (ROA) without Stab Exp % CUs with positive ROA 79.2% 94.1% 94.1% 88.2% 83.3% 88.9% 75.0% Capital Adequacy 30-Jun 30-Jun Net worth/assets 10.8% 10.7% 10.5% 10.3% 9.9% 9.0% 7.9% % CUs with NW >7% of assets 92.0% 94.1% 94.1% 94.1% 83.3% 83.3% 80.0% Asset Quality 30-Jun 30-Jun Delinquencies (60+ day $)/loans (%) 0.75% 0.53% 0.95% 1.05% 1.14% 2.09% 2.86% Net chargeoffs/average loans 0.55% 0.42% 0.43% 0.41% 0.68% 1.36% 4.24% Total borrower-bankruptcies 192, ,154 1,590 Bankruptcies per CU Bankruptcies per 1,000 members Asset/Liability Management 30-Jun 30-Jun Loans/savings 80.0% 43.4% 63.7% 61.6% 58.7% 59.2% 63.6% Loans/assets 67.9% 57.5% 56.4% 54.8% 52.5% 53.4% 57.8% Net Long-term assets/assets 33.5% 33.5% 33.5% 34.2% 36.3% 35.8% 57.8% Liquid assets/assets 13.5% 25.6% 26.8% 27.2% 30.5% 32.1% 29.0% Core deposits/shares & borrowings 50.3% 65.5% 63.8% 62.4% 61.9% 61.0% 58.5% Productivity 30-Jun 30-Jun Members/potential members (%) 4.0% 5.5% 4.4% 4.3% 4.9% 5.0% 7.2% Borrowers/members (%) 57.1% 50.7% 49.1% 47.7% 41.2% 40.9% 41.5% Members/FTE Average shares/member ($) $10,482 $11,867 $11,204 $10,725 $10,359 $10,041 $9,693 Average loan balance ($) $14,701 $15,213 $14,529 $13,846 $14,759 $14,526 $14,852 Employees per million in assets Structure 30-Jun 30-Jun CUs with a Federal Charter 3, CUs with a State Charter 2, CUs Privately Insured (state charter) Earnings, net chargeoffs, and bankruptcies are year-to-date numbers annualized, Due to significant seasonal variation, balance sheet grwoth 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. CUs Nevada Credit Union Profile Portfolio: State Trends Nevada Credit Unions Growth Rates 30-Jun 30-Jun Credit Cards 8.3% 2.8% 5.8% 13.9% 10.5% -1.0% -4.4% Other unsecured loans 7.5% -0.1% 0.6% 8.8% 2.0% 1.5% 1.8% New automobile 16.7% 49.9% 39.7% 15.9% -0.6% -14.8% -28.2% Used automobile 11.0% 16.2% 19.8% 20.8% 11.0% 2.4% 1.5% First mortgage 10.6% 5.2% 5.4% 5.5% 0.8% -3.1% -4.4% HEL & 2nd Mtg. 6.5% 7.9% -3.0% -10.0% -13.3% -20.6% -19.2% Member Business Loans 17.1% 11.9% 17.1% 11.4% -5.0% -11.9% -3.4% Share drafts 15.4% 15.7% 12.1% 7.1% 0.3% 2.5% 9.9% Certificates 4.9% -5.9% -7.9% -4.5% -5.0% -13.3% -18.4% IRAs 1.2% -3.0% -0.5% -3.3% -4.6% -7.0% -7.8% Money market shares 7.3% 9.2% 7.4% 8.1% 3.5% -1.0% -4.1% Regular shares 9.7% 10.8% 7.8% 5.3% 6.2% 5.5% 8.3% Portfolio & Distribution 30-Jun 30-Jun Credit cards / total loans 5.8% 3.2% 3.5% 3.7% 3.5% 3.3% 3.1% Other unsecured loans / total loans 4.2% 2.4% 2.7% 3.0% 3.0% 2.8% 2.7% New automobile / total loans 13.6% 10.8% 8.0% 6.4% 6.0% 5.7% 7.0% Used automobile / total loans 21.2% 28.6% 27.6% 25.6% 23.1% 20.8% 19.6% First mortgage / total loans 40.7% 44.0% 46.9% 49.4% 51.0% 52.7% 51.5% HEL & 2nd Mtg / total loans 8.8% 5.4% 5.7% 6.5% 7.8% 9.6% 10.8% Member business loans / total loans 7.1% 9.9% 10.0% 9.4% 9.2% 11.9% 10.4% Shared drafts / total savings 5.7% 21.3% 20.1% 19.2% 18.8% 17.6% 19.0% Certificates / total savings 17.9% 5.7% 6.7% 7.7% 8.5% 8.0% 10.9% IRAs / total savings 6.8% 5.5% 6.2% 6.6% 7.2% 8.2% 8.3% Money market shares / total savings 22.4% 23.0% 23.1% 23.0% 22.2% 21.9% 22.2% Regular shares / total savings 35.6% 44.2% 43.7% 43.3% 43.2% 44.1% 39.5% Percent of CUs Offering 30-Jun 30-Jun Credit cards 60.4% 58.8% 58.8% 64.7% 66.7% 66.7% 65.0% Other unsecured loans 98.4% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% New automobile 95.4% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% Used automobile 96.7% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% First mortgage 67.2% 88.2% 88.2% 88.2% 88.9% 85.7% 85.0% HEL & 2nd Mtg 69.8% 88.2% 88.2% 88.2% 88.9% 85.7% 85.0% Member business loans 36.2% 64.7% 70.6% 70.6% 77.8% 76.2% 80.0% Shared drafts 79.4% 88.2% 88.2% 88.2% 88.9% 85.7% 85.0% Certificates 80.3% 82.4% 82.4% 82.4% 77.8% 76.2% 80.0% IRAs 68.0% 76.5% 76.5% 76.5% 77.8% 76.2% 80.0% Money market shares 50.2% 64.7% 64.7% 64.7% 61.1% 57.1% 60.0% Percent of Members in Offering CUs 30-Jun 30-Jun Credit cards 18.9% 20.9% 19.5% 18.1% 14.6% 15.9% 13.4% Other unsecured loans 17.4% 15.6% 14.7% 14.4% 11.8% 13.0% 10.9% New automobile 5.6% 3.7% 2.5% 2.0% 2.1% 2.6% 3.2% Used automobile 14.4% 15.2% 13.5% 12.3% 11.3% 12.0% 10.7% First mortgage 2.4% 1.7% 1.8% 1.9% 2.0% 0.3% 0.2% HEL & 2nd Mtg 2.1% 1.1% 2.0% 1.3% 1.5% 1.8% 1.8% Member business loans 0.2% 0.2% 0.2% 0.2% 0.2% 0.3% 0.2% Shared drafts 57.3% 69.6% 70.7% 65.7% 64.3% 68.6% 62.6% Certificates 7.7% 3.2% 3.6% 3.9% 4.3% 4.9% 5.3% IRAs 4.5% 3.5% 3.8% 4.0% 4.3% 5.3% 4.8% Money market shares 7.1% 7.8% 8.0% 8.1% 8.1% 10.3% 8.4% Earnings, net chargeoffs, and bankruptcies are year-to-date numbers annualized, Due to significant seasonal variation, balance sheet grwoth rates are for the trailing 12 months. US Totals include only credit unions that are released on the NCUA 5300 Call Report file.
10 Monthly Performance Report Aug 2017 Usage Summary Total Users Modules Viewed Educational Page Views Learning Minutes Aug 2,160 2,284 44,985 60,753 Since Launch* 19,120 25, , ,496 Top Modules Viewed Auto Loans [2082] Credit Scores & Reports [1889] Building Emergency Savings [1686] Credit Cards [1880] Checking Accounts [1606] *The partnership between CANVCL and EVERFI officially launched June 30, Since then, 29 credit unions have signed on to be part of the program. The metrics reflected above are the aggregate results from 19 credit unions that have launched their adult financial education sites. For more information on Everfi, contact Tonja Wheatley at
Quarterly Credit Union Performance Report
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Mid-Year 2017 Rhode Island Rhode Island First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 1.9 credit union members per household. Loan Product Comparative
More informationMaine. Maine. First Quarter Prepared by: CUNA Economics and Statistics
First Mid Quarter Year 2017 2018 Maine Maine First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan Product
More informationNew York. New York. First Quarter Prepared by: CUNA Economics and Statistics
First Mid Quarter Year 2017 2018 New York New York First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan
More informationNew York. New York. First Quarter Prepared by: CUNA Economics and Statistics
Third-Quarter Mid Year 2017 2017 New York New York First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 1.9 credit union members per household. Loan
More informationNew York. New York. First Quarter Prepared by: CUNA Economics and Statistics
Third Mid Quarter Year 2017 2018 New York New York First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan
More informationLouisiana. Year End Prepared by: CUNA Economics and Statistics
Louisiana Year End 2016 Prepared by: CUNA Economics and Statistics Source: Informa Research Services, NCUA, and CUNA. (1)Assumes 1.9 credit union members per household. Loan Product Comparative Interest
More informationTexas. Texas. First Quarter Prepared by: CUNA Economics and Statistics
Year-End Mid 2017 2018 Texas Texas First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan Product Comparative
More informationTexas. Texas. First Quarter Prepared by: CUNA Economics and Statistics
First Mid Quarter Year 2017 2018 Texas Texas First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan Product
More informationFlorida. Florida. First Quarter Prepared by: CUNA Economics and Statistics
First Mid Quarter Year 2017 2018 Florida Florida First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan
More informationYear-End Mid Pennsylvania. Pennsylvania. First Quarter Prepared by: CUNA Economics and Statistics
Year-End Mid 2017 Pennsylvania Pennsylvania First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan Product
More informationYear-End Mid Illinois. Illinois. First Quarter Prepared by: CUNA Economics and Statistics
Year-End Mid 2017 Illinois Illinois First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan Product Comparative
More informationYear-End Mid Virginia. Virginia. First Quarter Prepared by: CUNA Economics and Statistics
Year-End Mid 2017 Virginia Virginia First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan Product Comparative
More informationPennsylvania. Pennsylvania. First Quarter Prepared by: CUNA Economics and Statistics
Third Mid Quarter Year 2017 2018 Pennsylvania Pennsylvania First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household.
More informationYear-End Mid Colorado. Colorado. First Quarter Prepared by: CUNA Economics and Statistics
Year-End Mid 2017 Colorado Colorado First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan Product Comparative
More informationYear-End Mid Maryland. Maryland. First Quarter Prepared by: CUNA Economics and Statistics
Year-End Mid 2017 Maryland Maryland First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan Product Comparative
More informationMichigan. Michigan. First Quarter Prepared by: CUNA Economics and Statistics
Third Mid Quarter Year 2017 2018 Michigan Michigan First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan
More informationMassachusetts. Massachusetts. First Quarter Prepared by: CUNA Economics and Statistics
Third Mid Quarter Year 2017 2018 Massachusetts Massachusetts First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household.
More informationGeorgia. Georgia. First Quarter Prepared by: CUNA Economics and Statistics
Third-Quarter Mid Year 2017 2017 Georgia Georgia First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 1.9 credit union members per household. Loan
More informationDelaware. Delaware. First Quarter Prepared by: CUNA Economics and Statistics
Third Mid Quarter Year 2017 2018 Delaware Delaware First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan
More informationSouth Carolina. South Carolina. First Quarter Prepared by: CUNA Economics and Statistics
Third-Quarter Mid Year 2017 2017 South Carolina South Carolina First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 1.9 credit union members per household.
More informationNorth Carolina. North Carolina. First Quarter Prepared by: CUNA Economics and Statistics
Third Mid Quarter Year 2017 2018 North Carolina North Carolina First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household.
More informationColorado. Colorado. First Quarter Prepared by: CUNA Economics and Statistics
First Mid Quarter Year 2017 2018 Colorado Colorado First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan
More informationYear-End Mid Louisiana. Louisiana. First Quarter Prepared by: CUNA Economics and Statistics
Year-End Mid 2017 Louisiana Louisiana First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan Product Comparative
More informationMinnesota. Minnesota. First Quarter Prepared by: CUNA Economics and Statistics
First Mid Quarter Year 2017 2018 Minnesota Minnesota First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan
More informationArizona. Arizona. First Quarter Prepared by: CUNA Economics and Statistics
First Mid Quarter Year 2017 2018 Arizona Arizona First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan
More informationMinnesota. Minnesota. First Quarter Prepared by: CUNA Economics and Statistics
Third-Quarter Mid Year 2017 2017 Minnesota Minnesota First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 1.9 credit union members per household. Loan
More informationYear-End Mid Alaska. Alaska. First Quarter Prepared by: CUNA Economics and Statistics
Year-End Mid 2017 Alaska Alaska First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan Product Comparative
More informationIndiana. Indiana. First Quarter Prepared by: CUNA Economics and Statistics
First Mid Quarter Year 2017 2018 Indiana Indiana First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan
More informationAlabama. Alabama. First Quarter Prepared by: CUNA Economics and Statistics
Year-End Mid 2017 2018 Alabama Alabama First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan Product Comparative
More informationArizona. Arizona. First Quarter Prepared by: CUNA Economics and Statistics
Third-Quarter Mid Year 2017 2017 Arizona Arizona First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 1.9 credit union members per household. Loan
More informationSouth Dakota. South Dakota. First Quarter Prepared by: CUNA Economics and Statistics
Year-End Mid 2017 2018 South Dakota South Dakota First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan
More informationOklahoma. Oklahoma. First Quarter Prepared by: CUNA Economics and Statistics
First Mid Quarter Year 2017 2018 Oklahoma Oklahoma First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan
More informationAlaska. Alaska. First Quarter Prepared by: CUNA Economics and Statistics
First Mid Quarter Year 2017 2018 Alaska Alaska First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan Product
More informationYear-End Mid Hawaii. Hawaii. First Quarter Prepared by: CUNA Economics and Statistics
Year-End Mid 2017 Hawaii Hawaii First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan Product Comparative
More informationNew Hampshire. New Hampshire. First Quarter Prepared by: CUNA Economics and Statistics
Year-End Mid 2017 2018 New Hampshire New Hampshire First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan
More informationIowa. Iowa. First Quarter Prepared by: CUNA Economics and Statistics
Third-Quarter Mid Year 2017 2017 Iowa Iowa First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 1.9 credit union members per household. Loan Product
More informationOklahoma. Oklahoma. First Quarter Prepared by: CUNA Economics and Statistics
Third-Quarter Mid Year 2017 2017 Oklahoma Oklahoma First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 1.9 credit union members per household. Loan
More informationHawaii. Hawaii. First Quarter Prepared by: CUNA Economics and Statistics
First Mid Quarter Year 2017 2018 Hawaii Hawaii First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan Product
More informationUtah. Utah. First Quarter Prepared by: CUNA Economics and Statistics
Third-Quarter Mid Year 2017 2017 Utah Utah First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 1.9 credit union members per household. Loan Product
More informationNorth Dakota. North Dakota. First Quarter Prepared by: CUNA Economics and Statistics
Third Mid Quarter Year 2017 2018 North Dakota North Dakota First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household.
More informationNew Hampshire. New Hampshire. First Quarter Prepared by: CUNA Economics and Statistics
Third-Quarter Mid Year 2017 2017 New Hampshire New Hampshire First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 1.9 credit union members per household.
More informationMississippi. Mississippi. First Quarter Prepared by: CUNA Economics and Statistics
Third-Quarter Mid Year 2017 2017 Mississippi Mississippi First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 1.9 credit union members per household.
More informationWest Virginia. West Virginia. First Quarter Prepared by: CUNA Economics and Statistics
Third Mid Quarter Year 2017 2018 West Virginia West Virginia First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household.
More informationYear-End Mid Rhode Island. Rhode Island. First Quarter Prepared by: CUNA Economics and Statistics
Year-End Mid 2017 Rhode Island Rhode Island First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan Product
More informationRhode Island. Rhode Island. First Quarter Prepared by: CUNA Economics and Statistics
First Mid Quarter Year 2017 2018 Rhode Island Rhode Island First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household.
More informationRhode Island. Rhode Island. First Quarter Prepared by: CUNA Economics and Statistics
Third-Quarter Mid Year 2017 2017 Rhode Island Rhode Island First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 1.9 credit union members per household.
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