CUNA Economics & Statistics
Overview by Year U.S. CUs New Jersey CUs Demographic Information Number of CUs 5,594 160 Assets per CU ($ mil) 258.6 86.8 Median assets ($ mil) 32.9 15.1 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 5.8 2.2 Total loans 9.6 6.7 Total surplus funds -3.8-4.2 Total savings 5.4-0.5 Total memberships 4.3 0.9 % CUs with increasing assets 66.8 46.9 Earnings - Basis Pts. Yield on total assets 368 337 Dividend/interest cost of assets 61 55 Net interest margin 306 283 Fee & other income 140 87 Operating expense 309 298 Loss Provisions 48 38 Net Income (ROA) with Stab Exp 90 33 Net Income (ROA) without Stab Exp 90 33 % CUs with positive ROA 84.9 75.0 Capital Adequacy (%) Net worth/assets 11.0 9.7 % CUs with NW > 7% of assets 97.6 93.1 Asset Quality Delinquencies (60+ day $)/loans (%) 0.67 1.51 Net chargeoffs/average loans (%) 0.60 0.66 Total borrower-bankruptcies 197,564 5,682 Bankruptcies per CU 35.3 35.5 Bankruptcies per 1000 members 1.7 5.5 Asset/Liability Management Loans/savings 83.2 69.5 Loans/assets 70.4 59.0 Net Long-term assets/assets 33.1 35.0 Liquid assets/assets 12.2 15.4 Core deposits/shares & borrowings 51.0 62.7 Productivity Members/potential members (%) 4 5 Borrowers/members (%) 58 51 Members/FTE 386 424 Average shares/member ($) 10,594 11,333 Average loan balance ($) 15,298 15,445 Employees per million in assets 0.21 0.18 Structure (%) Fed CUs w/ single-sponsor 11.9 33.8 Fed CUs w/ community charter 17.9 13.1 Other Fed CUs 31.8 47.5 CUs state chartered 38.5 5.6 Earnings, net chargeoffs, and bankruptcies are year-to-date numbers annualized. Due to significant seasonal variation, balance sheet growth rates are for the trailing 12 months. US Totals include only credit unions that are released on the NCUA 5300 Call Report file. Source: NCUA and CUNA E&S.
U.S. Overview: State Trends New Jersey Credit Unions Demographic Information Number of CUs 5,594 160 164 171 180 187 196 201 Assets per CU ($ mil) 258.6 86.8 82.6 78.6 71.1 66.9 63.6 62.3 Median assets ($ mil) 32.9 15.1 13.3 12.8 10.8 10.4 9.9 9.2 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 5.8 2.2 0.8 5.0 2.4 0.3-0.4 5.0 Total loans 9.6 6.7 4.5 8.4 4.4 2.6 3.7 Total surplus funds -3.8-4.2-4.8 0.7-0.1-2.8-5.0 10.9 Total savings 5.4-0.5 0.5 2.8 2.2-0.6 0.1 5.4 Total memberships 4.3 0.9 1.0-1.1-1.0-1.4-0.4 0.9 % CUs with increasing assets 66.8 46.9 51.8 64.9 57.2 47.6 48.5 69.7 Earnings - Basis Pts. Yield on total assets 368 337 323 315 315 318 323 346 Dividend/interest cost of assets 61 55 48 46 47 46 51 67 Net interest margin 306 283 275 270 269 272 272 279 Fee & other income 140 87 84 89 89 86 94 93 Operating expense 309 298 298 299 304 294 300 302 Loss Provisions 48 38 58 39 32 31 34 44 Net Income (ROA) with Stab Exp 90 33 3 20 21 34 32 26 Net Income (ROA) without Stab Exp 90 33 3 20 21 34 37 33 % CUs with positive ROA 84.9 75.0 72.0 69.6 73.9 65.8 63.3 55.7 Capital Adequacy (%) Net worth/assets 11.0 9.7 9.9 1 10.3 10.3 1 9.7 % CUs with NW > 7% of assets 97.6 93.1 93.9 95.3 96.1 94.1 95.4 96.0 Asset Quality Delinquencies (60+ day $)/loans (%) 0.67 1.51 1.73 1.74 1.83 1.90 1.99 2.38 Net chargeoffs/average loans (%) 0.60 0.66 0.71 0.58 0.60 0.60 0.71 0.70 Total borrower-bankruptcies 197,564 5,682 1,495 1,199 1,179 1,270 1,427 1,502 Bankruptcies per CU 35.3 35.5 9.1 7.0 6.6 6.8 7.3 7.5 Bankruptcies per 1000 members 1.7 5.5 1.4 1.2 1.1 1.2 1.3 1.4 Asset/Liability Management Loans/savings 83.2 69.5 68.1 65.5 62.1 60.8 58.9 56.8 Loans/assets 70.4 59.0 58.5 56.5 54.7 53.6 52.4 50.3 Net Long-term assets/assets 33.1 35.0 36.3 38.7 40.5 44.2 46.6 41.6 Liquid assets/assets 12.2 15.4 15.0 14.1 13.5 13.2 13.1 17.6 Core deposits/shares & borrowings 51.0 62.7 62.2 61.9 61.9 59.4 56.6 54.8 Productivity Members/potential members (%) 4 5 5 5 5 5 6 6 Borrowers/members (%) 58 51 52 52 50 48 46 42 Members/FTE 386 424 417 416 415 421 431 420 Average shares/member ($) 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 0.21 0.18 0.18 0.18 0.19 0.20 0.20 0.20 Structure (%) Fed CUs w/ single-sponsor 11.9 33.8 34.1 34.5 33.9 33.7 33.2 33.3 Fed CUs w/ community charter 17.9 13.1 12.8 12.3 12.8 13.4 12.8 12.4 Other Fed CUs 31.8 47.5 46.3 45.6 44.4 44.4 44.4 44.8 CUs state chartered 38.5 5.6 6.7 7.6 8.9 8.6 9.7 9.5 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.
Loan and Savings Growth Trends Growth Rates (%) 8.4 Liquidity Trends Loan-to-Savings Ratio (%) 5.4 3.7 2.6 2.2 4.4 2.8 4.5 6.7 56.8 58.9 60.8 62.1 65.5 68.1 69.5 0.1 0.5-0.6-0.5 Loan Growth Savings Growth Credit Risk Trends Interest Rate Risk Trends 5.0 4.0 3.0 2.38 1.99 Asset Quality (%) 1.90 1.83 1.74 1.73 1.51 2.5 2.0 1.5 Long-Term Assets as a Percent of Total Assets 46.6 44.2 41.6 40.5 38.7 36.3 35.0 2.0 1.0 0.70 0.71 0.60 0.60 0.58 0.71 0.66 1.0 0.5 60+ Day Dollar Delinquency (right) Net Chargeoffs (left) Earnings Trends Solvency Trends ROA Trends bp of Average Assets Net Worth Ratio Profile (%) 26 32 34 21 20 3 33 96.5 96.0 95.5 95.0 94.5 94.0 93.5 93.0 92.5 92.0 91.5 96.0 9.7 95.4 1 94.1 10.3 96.1 10.3 95.3 1 93.9 93.1 9.9 9.7 10.4 10.2 1 9.8 9.6 9.4 9.2 NW Ratio (right) Percent of CUs > 7% (left)
Asset Yields and Funding Costs Interest Margins 346 323 Asset Yields and Costs bp of Average Assets 318 315 315 323 337 279 Net Interest Margin bp of Average Assets 283 67 51 46 47 46 48 55 272 272 269 270 275 Asset Yields Interest Cost of Assets Interest Margins & Overhead Noninterest Income 279 302 272 Income and Expense Components bp of Average Assets 300 272 294 269 304 270 299 275 298 283 298 93 Fee & Other Noninterest Income bp of Average Assets 94 86 89 89 84 87 Operating Exp. (bp) Net Interest Margin (bp) Membership Growth Trends Borrower Bankruptcies Membership Growth (%) CU Bankruptcy Profile 0.9 1.0 0.9 6.0 5.0 4.0 5.5 40 35 30 25 3.0 20-0.4-1.4-1.0-1.1 2.0 1.0 1.4 7.5 1.3 7.3 1.2 6.8 1.1 6.6 1.2 7.0 1.4 9.1 35.5 15 10 5 0 Per CU (right) Per 1,000 members (left)
Overview: State Results by Asset Size NJ New Jersey Credit Union Asset Groups - 2018 Demographic Information < $20Mil $20-$50 $50-$100 $100-$250 $250-$500 $500-$1B > $1 Bil Number of CUs 160 91 26 15 17 9 2 Assets per CU ($ mil) 86.8 7.4 33.3 76.3 154.1 373.1 2,614.1 Median assets ($ mil) 15.1 7.0 32.5 77.4 144.7 354.8 2,614.1 Total assets ($ mil) 13,888 671 867 1,145 2,619 3,358 5,228 Total loans ($ mil) 8,200 265 400 542 1,461 2,479 3,053 Total surplus funds ($ mil) 5,179 395 454 551 1,034 775 1,970 Total savings ($ mil) 11,796 565 768 1,027 2,359 2,987 4,090 Total memberships (thousands) 1,041 97 85 154 256 257 192 Growth Rates (%) Total assets 2.2 0.5 1.3 2.3-2.6-0.2 9.4 Total loans 6.7 1.7 1.0-0.2-0.5 5.7 17.7 Total surplus funds -4.2-0.3 1.6 4.5-4.9-14.3-1.5 Total savings -0.5 0.3 0.8 2.2-2.5 2.1 Total memberships 0.9-2.6 0.7 3.0-4.5 3.0 15.1 % CUs with increasing assets 46.9 45.1 5 66.7 35.3 44.4 5 Earnings - Basis Pts. Yield on total assets 337 391 337 354 344 389 289 Dividend/interest cost of assets 55 49 42 21 29 45 85 Net interest margin 283 343 295 333 315 344 204 Fee & other income 87 41 65 125 108 120 56 Operating expense 298 324 293 384 359 379 192 Loss Provisions 38 43 20 42 60 63 13 Net Income (ROA) with Stab Exp 33 16 47 31 5 22 55 Net Income (ROA) without Stab Exp 33 16 47 31 5 22 55 % CUs with positive ROA 75.0 70.3 80.8 86.7 70.6 88.9 10 Capital Adequacy (%) Net worth/assets 9.7 15.2 11.0 1 9.7 9.0 9.2 % CUs with NW > 7% of assets 93.1 97.8 88.5 8 82.4 10 10 Asset Quality Delinquencies (60+ day $)/loans (%) 1.51 2.65 1.29 2.36 2.24 1.81 0.69 Net chargeoffs/average loans (%) 0.66 1.21 0.72 0.98 1.06 0.88 0.15 Total borrower-bankruptcies 5,682 122 96 4,308 492 472 192 Bankruptcies per CU 35.5 1.3 3.7 287.2 28.9 52.4 96.0 Bankruptcies per 1000 members 5.5 1.3 1.1 27.9 1.9 1.8 1.0 Asset/Liability Management (%) Loans/savings 69.5 47.0 52.1 52.8 61.9 83.0 74.6 Loans/assets 59.0 39.5 46.1 47.4 55.8 73.8 58.4 Net Long-term assets/assets 35.0 17.0 27.7 24.5 29.6 37.1 42.3 Liquid assets/assets 15.4 27.9 22.6 23.9 20.2 10.1 11.8 Core deposits/shares & borrowings 62.7 82.1 71.2 74.9 66.9 55.0 59.0 Productivity Members/potential members (%) 5 7 4 5 3 5 20 Borrowers/members (%) 51 39 41 42 59 55 51 Members/FTE 424 481 527 516 422 364 402 Average shares/member ($) 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 0.18 0.30 0.19 0.26 0.23 0.21 9 Structure (%) Fed CUs w/ single-sponsor 33.8 50.5 19.2 6.7 5.9 5 Fed CUs w/ community charter 13.1 3.3 15.4 26.7 41.2 33.3 Other Fed CUs 47.5 41.8 5 66.7 52.9 55.6 5 CUs state chartered 5.6 4.4 15.4 11.1 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.
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 83.0 74.6 5.7 47.0 52.1 52.8 61.9 1.7 0.3 1.0 0.8 2.2 2.1 < $20Mil $20-$50 $50- $100-0.2-0.5-2.5 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 3.00 2.50 2.00 1.50 1.00 0.50 0 1.21 0.72 0.98 1.06 0.88 0.15 2.65 1.29 2.36 2.24 1.81 0 0 0.69 < $20Mil Asset Quality By Asset Size Category $20- $50 $50- $100 $100- $250 $250- $500 $500- $1B > $1 Bil 1.40 1.20 1.00 0.80 0.60 0.40 0.20 0 17.0 Long-Term Assets as a Percent of Total Assets by Asset Size Category 42.3 27.7 24.5 29.6 37.1 60+ Day Dollar Delinquency (left) Net Chargeoffs (right) < $20Mil $20-$50 $50- $100 $100- $250 $250- $500 $500- $1B > $1 Bil Earnings Solvency 60 50 40 30 70.3 80.8 ROA in Basis Points by Asset Size Category 86.7 70.6 88.9 10 120 100 80 60 15.2 Net Worth Ratios by Asset Size Category (Percent of Assets) 11.0 1 9.7 9.0 9.2 20 40 10 0 16 47 31 5 22 0 55 < $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
Overview: National Results by Asset Size U.S. All U.S. Credit Unions Asset Groups - 2018 Demographic Information < $20Mil $20-$50 $50-$100 $100-$250 $250-$500 $500-$1B > $1 Bil Number of CUs 5,594 2,204 1,049 727 709 354 246 305 Assets per CU ($ mil) 258.6 7.5 32.4 71.9 159.6 357.1 707.9 3,048.9 Median assets ($ mil) 32.9 6.4 31.2 7 151.0 348.0 687.1 1,700.6 Total assets ($ mil) 1,446,368 16,544 33,952 52,263 113,134 126,417 174,142 929,917 Total loans ($ mil) 1,017,569 8,130 17,646 29,758 73,141 86,405 123,520 678,970 Total surplus funds ($ mil) 369,688 8,057 15,122 20,128 34,171 33,498 41,991 216,721 Total savings ($ mil) 1,222,323 14,118 29,597 45,718 98,970 109,452 148,560 775,909 Total memberships (thousands) 115,375 2,587 3,885 5,553 10,934 11,519 14,338 66,558 Growth Rates (%) Total assets 5.8 0.5 1.8 2.8 3.6 4.7 6.3 7.2 Total loans 9.6 4.2 5.3 6.4 7.9 8.6 9.8 10.8 Total surplus funds -3.8-3.0-2.1-2.7-5.0-4.3-3.4-3.1 Total savings 5.4 0.2 1.5 2.4 3.3 4.5 5.5 6.9 Total memberships 4.3-1.2-0.4 0.4 1.7 3.8 4.4 6.8 % CUs with increasing assets 66.8 49.4 65.9 75.5 82.4 86.7 92.3 95.4 Earnings - Basis Pts. Yield on total assets 368 361 345 350 363 364 363 372 Dividend/interest cost of assets 61 33 31 34 39 45 50 72 Net interest margin 306 329 314 317 324 318 313 300 Fee & other income 140 82 108 128 145 157 154 138 Operating expense 309 358 349 362 369 365 347 282 Loss Provisions 48 28 25 29 37 39 39 54 Net Income (ROA) with Stab Exp 90 25 47 54 62 72 82 102 Net Income (ROA) without Stab Exp 90 25 47 54 62 72 82 102 % CUs with positive ROA 84.9 72.1 87.9 93.0 94.8 98.6 98.0 99.7 Capital Adequacy (%) Net worth/assets 11.0 14.2 12.2 11.6 11.0 11.0 11.0 10.9 % CUs with NW > 7% of assets 97.6 96.9 96.9 98.2 98.0 99.2 99.6 99.3 Asset Quality Delinquencies (60+ day $)/loans (%) 0.67 1.37 0.98 0.81 0.76 0.82 0.62 0.62 Net chargeoffs/average loans (%) 0.60 0.55 0.48 0.52 0.55 0.58 0.52 0.63 Total borrower-bankruptcies 197,564 3,610 6,030 12,164 19,218 21,048 26,908 108,586 Bankruptcies per CU 35.3 1.6 5.7 16.7 27.1 59.5 109.4 356.0 Bankruptcies per 1000 members 1.7 1.4 1.6 2.2 1.8 1.8 1.9 1.6 Asset/Liability Management Loans/savings 83.2 57.6 59.6 65.1 73.9 78.9 83.1 87.5 Loans/assets 70.4 49.1 52.0 56.9 64.6 68.3 70.9 73.0 Net Long-term assets/assets 33.1 12.6 21.0 24.6 28.4 31.9 34.2 35.0 Liquid assets/assets 12.2 27.6 22.7 19.1 15.2 12.7 11.4 10.9 Core deposits/shares & borrowings 51.0 79.8 71.1 65.9 60.6 57.2 55.0 46.1 Productivity Members/potential members (%) 4 5 3 3 3 3 3 5 Borrowers/members (%) 58 41 49 53 54 54 57 61 Members/FTE 386 420 403 374 342 344 348 412 Average shares/member ($) 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 0.21 0.37 0.28 0.28 0.28 0.26 0.24 0.17 Structure (%) Fed CUs w/ single-sponsor 11.9 23.2 8.0 3.9 2.5 2.0 2.8 2.3 Fed CUs w/ community charter 17.9 8.7 20.9 26.5 31.9 25.4 19.1 11.8 Other Fed CUs 31.8 36.6 34.4 29.6 23.1 23.4 21.5 30.8 CUs state chartered 38.5 31.4 36.7 4 42.5 49.2 56.5 55.1 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.
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.
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 - 2018 *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.
Portfolio Detail: National Results by Asset Size U.S. All U.S. Credit Unions Asset Groups - 2018 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.
New Jersey CU Profile - Quarterly Trends U.S. New Jersey Credit Unions Demographic Information Mar 18 Dec 17 Sep 17 Jun 17 Number CUs 5,594 160 162 164 166 167 Growth Rates (Quarterly % Change) Total loans 3.2 2.4 1.8 1.2 2.1 1.2 Credit cards 2.2-0.3-5.1 3.0 1.9 0.4 Other unsecured loans 3.0 0.3-0.8 1.8 6.1 2.0 New automobile 3.6 1.9 0.9-0.2-0.6-0.2 Used automobile 3.5 6.2 5.5 4.1 3.7 1.6 First mortgage 3.0 1.9 2.9 1.7 2.0 1.8 HEL & 2nd Mtg 2.3 1.0-1.1 1.5 3.6 1.3 Commercial loans* 3.6-0.2 3.5-1.4-13.3-0.1 Total savings 0.4-0.8 2.9-0.2-1.4-0.9 Share drafts -0.6-2.6 7.2 3.2-1.7-4.0 Certificates 1.9-1.6-1.5-0.1 0.6 0.8 IRAs 0.1-1.6 0.7-1.6-0.6 1.8 Money market shares -0.5-3.0-0.2-0.9-2.1-1.1 Regular shares 0.4-0.1 4.1-1.0-1.4-0.8 Total memberships 1.3 1.4 0.3 0.5 1.5 Earnings (Basis Points) Yield on total assets 372 341 334 335 327 317 Dividend/interest cost of assets 63 57 52 51 48 46 Fee & other income 137 87 87 91 81 83 Operating expense 310 297 300 308 298 293 Loss Provisions 47 41 35 73 60 61 Net Income (ROA) 89 32 34-6 0 0 % CUs with positive ROA 85 75 75 72 70 71 Capital Adequacy (%) Net worth/assets 11.0 9.7 9.7 9.9 9.9 9.8 % CUs with NW > 7% of assets 97.6 93.1 92.6 93.9 95.2 92.8 Asset Quality (%) Loan delinquency rate - Total loans 0.67 1.51 1.42 1.73 1.73 1.69 Total Consumer 0.83 2.27 2.06 2.49 2.58 2.37 Credit Cards 1.15 1.76 1.74 1.87 1.80 1.57 All Other Consumer 0.79 2.32 2.10 2.57 2.68 2.47 Total Mortgages 0.51 1.03 1.02 1.25 1.19 1.25 First Mortgages 0.52 0.89 0.86 1.14 1.03 1.14 All Other Mortgages 0.48 1.45 1.50 1.56 1.64 1.57 Total Commercial Loans 1.42 4.32 3.04 4.40 4.84 3.82 Commercial Ag Loans 1.67 0 0 0 0 0 All Other Commercial Loans 1.40 4.35 3.06 4.43 4.87 3.83 Net chargeoffs/average loans 0.61 0.64 0.68 0.71 0.66 0.89 Total Consumer 1.18 1.43 1.64 1.61 1.54 2.01 Credit Cards 2.95 2.76 2.34 2.87 2.04 2.23 All Other Consumer 0.95 1.27 1.56 1.45 1.48 1.99 Total Mortgages 3 0.14 8 0.14 0.10 0.17 First Mortgages 3 5 8 5 9 0.11 All Other Mortgages 2 0.40 0.11 0.41 0.13 0.32 Total Commercial Loans 1.45 1.82 1.45 5.02 3.85 2.45 Commercial Ag Loans 0.22 18.24 0 0 0 0 All Other Commercial Loans 1.51 1.71 1.46 5.05 3.87 2.45 Asset/Liability Management Loans/savings 82.9 69.5 67.3 68.1 67.1 64.8 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.
Bank Comparisons NJ Credit Unions NJ Banks Demographic Information 3 Yr Avg 3 Yr Avg Number of Institutions 160 164 171 165 77 85 86 83 Assets per Institution ($ mil) 87 83 79 83 2,038 1,748 1,611 1,799 Total assets ($ mil) 13,888 13,541 13,434 13,621 156,915 148,567 138,567 148,017 Total loans ($ mil) 8,200 7,927 7,588 7,905 116,979 109,493 101,321 109,264 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 11,676 117,303 114,052 105,970 112,441 Avg number of branches (1) 2 2 2 2 17 16 16 16 12 Month Growth Rates (%) Total assets 2.2 0.8 5.0 2.6 13.0 7.3 10.9 10.4 Total loans 6.7 4.5 8.4 6.5 13.9 8.2 12.3 11.5 Real estate loans 7.2 6.5 6.7 6.8 13.1 8.2 12.6 11.3 Commercial loans* -13.5-11.9 9.3-5.3 13.8 3.3 7.9 8.3 Total consumer 11.9 5.2 11.6 9.6 18.5 16.7 10.4 15.2 Consumer credit card -1.2-0.9 1.7-0.1 14.8 11.9-3.0 7.9 Other consumer 14.2 6.3 13.6 11.4 18.5 16.7 10.5 15.2 Total surplus funds -4.2-4.8 0.7-2.8 7.4 6.4 7.1 7.0 Total savings -0.5 0.5 2.8 0.9 11.9 7.8 12.0 10.5 YTD Earnings Annualized (BP) Yield on Total Assets 337 323 315 325 376 355 344 358 Dividend/Interest cost of assets 55 48 46 49 80 68 62 70 Net Interest Margin 283 275 270 276 296 287 282 288 Fee and other income (2) 87 84 89 87 77 76 75 76 Operating expense 298 298 299 299 269 283 265 272 Loss provisions 38 58 39 45 13 9 10 11 Net income 33 3 20 18 91 71 82 81 Capital Adequacy (%) Net worth/assets 9.7 9.9 1 9.9 11.9 11.6 11.7 11.7 Asset Quality (%) Delinquencies/loans (3) 1.51 1.73 1.74 1.66 0.67 0.69 0.76 0.70 Real estate loans 1.03 1.25 1.25 1.18 0.58 0.63 0.71 0.64 Consumer loans 4.32 4.40 3.50 4.07 1.90 1.70 1.62 1.74 Total consumer 1.78 2.03 2.20 2.00 0.10 0.10 0.10 0.10 Consumer credit card 1.76 1.87 1.70 1.77 4 0.13 0.21 0.13 Other consumer 1.79 2.05 2.29 2.04 0.10 0.10 0.10 0.10 Net chargeoffs/avg loans 0.66 0.71 0.58 0.65 0.10 7 0.11 9 Real estate loans 0.11 0.13 0.16 0.14 2 4 4 3 Commercial loans 0.93 1.18 0.44 0.85 0.86 0.24 0.79 0.63 Total consumer 1.67 1.71 1.45 1.61 0.48 0.61 0.27 0.45 Consumer credit card 2.51 2.22 1.93 2.22 0.83 1.00 1.46 1.10 Other consumer 1.53 1.62 1.36 1.50 0.48 0.61 0.26 0.45 Asset Liability Management (%) Loans/savings 69.5 68.1 65.5 67.7 99.7 96.0 95.6 97.1 Loans/assets 59.0 58.5 56.5 58.0 73.9 73.0 72.4 73.1 Core deposits/total deposits 66.2 64.7 64.1 65.0 45.9 46.6 46.3 46.3 Productivity Employees per million assets 0.18 0.18 0.18 0.18 0.12 0.12 0.13 0.13 *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
Credit Union and Bank Comparisons Loan and Savings Growth Trends Growth Rates Liquidity Risk Trends Ratio of Toal Loans-to-Total Savings (%) 12.0 11.9 12.3 13.9 95.6 96.0 99.7 2.8 7.8 0.5 8.4 8.2 4.5 6.7 65.5 68.1 69.5-0.5 Savings Credit Unions Loans Banks Credit Unions Banks Credit Risk Trends Total Delinquency Ratio (%) Credit Risk Trends Net Chargeoffs as Percent of Avg Loans 1.74 1.73 1.51 0.58 0.71 0.66 0.76 0.69 0.67 0.11 7 0.10 Credit Unions Banks Credit Unions Banks Earnings Trends ROA Trends bp of Average Assets Solvency Trends Net Worth Ratio (%) 82 71 91 11.7 1 11.6 9.9 11.9 9.7 33 20 3 Credit Unions Banks Credit Unions Banks
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 $3,294,967,103 166,604 23 18.4% 19.5% 18.1% 8.3% 0.65% 0.14% 0.65% 121.6% 47.1% Merck EFCU NJ 0 $1,933,329,390 25,243 5-3.1% -8.4% -1.4% 11.7% 1.44% 3% 0.39% 9.2% 5.4% Proponent FCU NJ 0 $492,030,415 25,283 3-3.9% 1.6% -1.8% 11.1% 2.93% 0.93% 0.56% 83.0% 39.1% Financial Resources FCU NJ 0 $466,744,177 24,417 13-0.5% 10.8% 8.5% 9.3% 1.06% 0.44% 0.35% 98.7% 23.7% McGraw Hill FCU NJ 0 $420,250,208 22,658 2 4.8% 3.1% -0.5% 10.5% 0.96% 0.14% 3% 94.2% 21.3% South Jersey FCU NJ 0 $363,683,163 54,709 9 1.6% 21.7% 14.8% 9.1% 1.59% 0.86% 0.18% 72.4% 13.1% Garden Savings FCU NJ 0 $354,781,502 27,618 5-1.1% 9.1% 0.3% 8.9% 1.72% 1.38% 0.20% 78.8% 16.6% Picatinny FCU NJ 0 $346,702,982 17,726 4 2.8% 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 38,941 6-0.2% 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 24,501 7-10.4% -4.6% -6.3% 7.0% 3.57% 1.17% -0.90% 92.0% 5.7% First Atlantic FCU NJ 0 $258,294,319 21,027 4 9.4% 13.3% 9.2% 8.4% 0.66% 0.12% 0.54% 76.3% 21.1% North Jersey FCU NJ 0 $225,110,440 23,705 4-2.2% 1.3% -11.9% 9.3% 2.55% 0.38% -0.10% 58.6% 22.3% Atlantic FCU NJ 0 $222,476,289 17,979 3-3.6% 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 34,358 8-9.7% 0.1% -2.8% 8.1% 2.24% 0.73% 1.19% 62.7% 6.4% Greater Alliance FCU NJ 0 $191,535,040 19,811 3-1.4% 0.7% 0.1% 9.2% 2.43% 1.16% 0.40% 82.4% 21.6% First Financial FCU NJ 0 $191,086,141 20,026 4 0.6% -4.7% 2.2% 5.2% 3.96% 0.64% -1.92% 73.5% 15.6% XCEL FCU NJ 0 $175,746,055 20,363 2-4.2% -10.6% 2.1% 8.2% 2.25% 0.89% 0.29% 80.7% 6.0% Jersey Shore FCU NJ 0 $158,715,585 12,750 5 6.9% 15.5% 4.8% 7.5% 0.91% 0.35% 0.34% 65.8% 19.1% Aspire FCU NJ 0 $154,430,266 22,315 1-8.6% -13.2% -25.6% 6.6% 4.76% 3.98% -1.56% 80.1% 10.2% Campbell EFCU NJ 0 $144,738,692 11,347 7-4.1% 14.0% -2.2% 11.4% 0.70% 0.32% 0.32% 40.2% 4.4% Princeton FCU NJ 0 $136,130,338 8,003 2-2.7% 5.3% % 10.8% 0.23% 0.85% 0.11% 53.1% 17.5% Novartis FCU NJ 0 $127,123,166 5,127 2-1.5% -7.9% -3.9% 10.7% 0.37% 9% 0.82% 30.4% 9.8% Riegel FCU NJ 0 $126,379,532 7,985 3 2.7% -0.3% 0.8% 11.3% 0.24% 5% 0.38% 29.6% 11.1% Nova UA FCU NJ 0 $118,421,270 3,759 2 2.3% 13.3% 1.5% 14.2% 0.26% 1% 0.61% 60.8% 33.9% Pinnacle Federal Credit Union NJ 0 $118,212,972 14,689 2-13.9% -16.3% -1.8% 6.6% 2.23% 0.39% 0.14% 82.4% 17.3% Healthcare EFCU NJ 0 $115,273,387 18,048 2 4.1% -0.2% -3.0% 8.3% 1.73% 0.18% 0.59% 71.3% 5.7% County Educators FCU NJ 0 $106,887,890 10,692 2 1.4% -6.4% -3.0% 9.0% 0.27% 0.30% -7% 19.1% % B-M S FCU NJ 0 $105,452,750 4,689 3-1.2% -8.9% -5.3% 14.9% 0.21% 0.11% 0.31% 14.7% 6.3% Liberty Savings FCU NJ 0 $96,723,572 21,747 3 5.2% -9.9% -1.4% 11.3% 2.44% 2.41% 0.92% 53.6% 3.8% Deepwater Industries FCU NJ 0 $95,593,248 9,138 3 6.0% 10.2% 6.0% 7.2% 1.30% 0.37% -0.38% 49.2% 14.5% Advanced Financial FCU NJ 0 $94,865,528 8,359 5-0.7% 0.7% -4.8% 10.3% 4.80% 0.44% 0.77% 51.7% 25.1% Rutgers FCU NJ 0 $89,760,263 9,446 4-2.0% -10.7% -0.2% 7.1% 5.40% 0.58% -0.38% 49.2% 17.5% Raritan Bay FCU NJ 0 $87,771,713 11,295 2-0.6% 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 38,899 2 6.8% -3.8% 13.8% 12.4% 2.38% -3% 0.29% 61.0% 11.8% Central Jersey FCU NJ 0 $80,706,434 7,588 1 0.9% 3.6% -4.2% 6.4% 4.79% 1.34% 0.20% 49.3% 4.5% IRCO Community FCU NJ 0 $77,360,566 8,648 2 2.2% 0.4% -0.2% 9.2% 0.53% 0.26% 0.25% 54.6% 16.0% Seaport FCU NJ 0 $73,784,293 5,098 3 5.9% 5.1% -0.8% 14.8% 1.08% 0.37% 0.64% 57.1% 11.3% Motion FCU NJ 0 $69,455,847 7,285 6-3.4% -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 8,240 3 6.7% 5.7% 5.1% 7.2% 1.09% 0.30% 0.29% 58.8% 1.7% Bay Atlantic FCU NJ 0 $61,330,105 8,305 2 6.3% 0.9% 1.8% 7.5% 0.90% 0.64% 0.65% 50.8% 5.0% Fort Billings FCU NJ 0 $60,011,727 3,791 1-0.3% 0.8% -0.6% 10.5% 1% 0.37% 6% 41.6% 11.6% Atlantic City Electric Company EFCU NJ 0 $59,742,801 4,622 2 0.2% 1.3% -0.1% 12.3% 4.77% 0.36% 0.32% 21.9% % Hoboken School EFCU NJ 0 $53,502,613 1,938 1 3.9% -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 8,973 2 0.3% 1.6% -1.7% 14.6% 0.41% 0.54% 0.65% 68.2% 1.3% Unilever FCU NJ 0 $48,210,303 1,494 1 3.3% 19.7% 0.4% 7.3% 0.11% 2% 0.31% 96.8% 69.2% VAH Lyons EFCU NJ 0 $47,937,388 1,731 1 0.2% -6.5% 0.3% 10.1% 1.29% -1% 0.42% 18.7% % H & E Telephone FCU NJ 0 $45,897,576 3,341 1 3.2% 1.3% -1.4% 12.6% 0.82% 0.23% 0.23% 59.5% 17.3% Postal ECU NJ 0 $40,532,022 2,361 1-1.7% -2.8% 1.1% 14.3% 1.30% 0.84% -0.23% 39.7% % United Poles FCU NJ 0 $39,921,624 1,983 2-0.6% 1.3% -9.6% 9.2% 2.32% -2% 1.12% 82.1% 25.8% Baker Federal Credit Union NJ 0 $39,851,243 4,855 2-1.6% -9.0% 4.7% 6.6% 0.73% 1.32% 8% 80.5% % Bridgeton Onized FCU NJ 0 $39,215,224 7,910 3-4.3% -22.7% -4.3% 5.6% 1.88% 0.39% 3.41% 61.5% 0.1% Public Service FCU NJ 1 $36,981,211 3,505 1-2.0% 17.0% 3.5% 11.3% 4% 0.21% 0.56% 44.0% 8.2% Community Financial Services FCU NJ 0 $36,763,911 3,410 2-6.9% -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 3,404 1-1.4% 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 3,936 1 6.0% 12.6% -2.0% 7.0% 1.81% 0.19% 0.66% 28.1% % Garden State FCU NJ 1 $32,912,807 3,926 2 15.7% 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 2,104 1 7.7% 11.7% 3.6% 13.3% 0.50% 0.53% 0.18% 58.1% 19.0% Lakehurst Naval FCU NJ 0 $30,685,918 2,235 1 9.1% 7.3% -0.8% 10.3% 1.33% 0.98% 0.90% 43.2% 12.6%
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 2,571 4 25.8% 26.9% 74.1% 9.0% 2.00% 0.20% -0.36% 39.3% % Manville Area FCU NJ 0 $27,936,885 2,033 1-4.7% -3.6% 0.8% 10.7% 2% 0.80% 0.16% 69.9% 17.4% NJ Gateway FCU NJ 0 $27,265,817 2,691 1 0.1% -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 3,938 1-3.7% -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 1,305 1-0.4% 1.0% -0.5% 18.0% 3.47% -0.15% -5% 23.0% % L'Oreal USA FCU NJ 0 $26,204,203 3,518 3-2.9% -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 4,584 2 7.4% 2.9% 5.1% 10.4% 3.01% 6% 0.80% 40.5% % Thunderbolt Area FCU NJ 0 $23,720,815 2,931 1 5.1% 7.2% 0.3% 8.9% 2.25% 0.29% 1.14% 35.2% 2.9% Hamilton Horizons FCU NJ 0 $23,543,548 3,308 1-5.8% -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 1,359 1 3.2% 14.3% -1.3% 10.3% 2.69% 1% 0.84% 45.1% % Public Service Plaza FCU NJ 0 $20,269,707 1,222 1-4.4% -14.7% -1.5% 11.8% 2.77% 0% 0.46% 13.1% 2.4% Jersey Central FCU NJ 0 $19,048,506 3,358 1 2.7% 2.0% 3.7% 20.6% 0.67% 1.26% 8% 77.4% % Research 1166 FCU NJ 0 $18,084,028 1,298 1 1.8% -0.4% -7.4% 8.6% 0.28% 0% 0.32% 43.7% 6.3% Division 819 Transit ECU NJ 0 $18,065,096 1,758 1-6.8% 4.5% -2.9% 12.9% 2.29% 0.21% 1.24% 31.7% % Newark Firemen FCU NJ 0 $16,946,329 4,178 1-1.7% 6.2% 5.1% 13.4% 6.21% 0.78% -0.23% 61.8% % New Brunswick Postal FCU NJ 1 $16,830,211 2,903 2 44.1% 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 1,868 2 0.7% 8.9% 3.3% 11.2% 2.65% 1.11% 0.63% 43.0% % Mid-State Federal Credit Union NJ 0 $16,790,694 1,458 2-1.7% -15.5% 2.1% 10.3% 6% 3.45% -2.81% 59.7% 9.0% Bard EFCU NJ 0 $16,636,923 1,418 2-5.3% -5.0% -46.9% 7.9% 0.29% 3.16% -0.90% 37.1% 17.2% Energy People FCU NJ 0 $16,081,818 1,354 1-2.7% 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 1,207 1 12.7% 14.6% 20.2% 9.1% 1.00% 0.13% 0.60% 24.6% % Essex County Teachers FCU NJ 0 $15,283,627 2,594 1 2.0% 1.8% -2.1% 7.2% 2.63% 0.58% 0.51% 54.0% 5.9% Entertainment Industries FCU NJ 0 $14,829,234 2,076 1-2.7% 13.3% -6.9% 7.7% 16.93% -9% 8% 97.8% 31.2% Federal Emp Newark FCU NJ 0 $14,247,484 2,218 0-2.6% 9.7% -0.8% 19.2% 0.18% 5% 0.22% 90.5% % Teaneck Federal Credit Union NJ 0 $13,245,412 1,017 1 1.8% -22.6% -3.3% 14.2% 1.42% 2% 0.27% 16.1% 5.6% Dow Jones EFCU NJ 0 $12,509,807 1,062 1-4.8% 1.6% -7.9% 12.5% 0.29% -6% 4% 51.1% 16.7% Fairleigh Dickinson University FCU NJ 0 $12,144,947 1,785 1-1.0% -0.4% -2.9% 10.6% 1.20% 0.75% -0.87% 70.1% 3.7% Path FCU NJ 0 $11,994,170 1,257 0 0.4% 8.7% 1.0% 36.9% 4.80% 0.66% 1.52% 95.3% 0.8% PSE FCU NJ 0 $11,971,436 1,293 1 1.5% 6.6% 0.1% 12.2% 2.86% -0.25% 0.96% 52.9% % Jersey City Firemen FCU NJ 0 $11,918,555 1,275 1 1.2% -0.6% 0.4% 41.2% 3.83% 5% 0.52% 43.8% % Goya Foods FCU NJ 0 $11,609,402 779 3 3.2% -2.8% -4.4% 14.9% 0.70% 0% 0.76% 12.4% % Peoples Transport FCU NJ 0 $10,942,303 1,330 1-1.2% 2.4% -1.0% 10.9% 3.84% 1.13% 0.26% 57.3% % Bergen Division FCU NJ 0 $10,726,942 1,510 0 3.2% 0.7% 0.8% 16.6% 1.36% 2.44% 0.15% 52.1% % NJ Latvian FCU NJ 0 $10,501,403 222 1-1.2% 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 1,321 1 3.2% -9.5% -6.8% 8.1% 1.27% 0.23% 0.24% 40.3% % South Jersey Gas EFCU NJ 0 $9,965,691 920 1-6.0% 3.5% -0.1% 24.2% 1.37% 0% 1.09% 33.6% % Local 1233 FCU NJ 0 $9,944,042 723 1-3.0% -4.3% -0.6% 18.9% 1% 7% 0.36% 55.8% % Wakefern FCU NJ 0 $9,942,669 1,368 1 2.6% 12.3% 4.0% 20.3% 0% 0.49% 0.28% 17.4% 0.9% Hoboken NJ Police FCU NJ 0 $9,865,389 810 2 5.7% 0.9% 9.2% 21.9% 7% -0.11% 0.48% 85.6% % Jersey City Police FCU NJ 0 $9,728,067 1,336 1 3.7% 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 1,361 1-6.9% -0.4% -3.9% 16.9% 4.35% -2% 0.60% 14.7% % Middlesex County NJ EFCU NJ 0 $9,556,623 1,774 1 1.8% 1.7% -1.8% 16.7% 2.28% 0.54% -0.92% 29.2% % Erie Lackawanna RR Co EFCU NJ 0 $9,540,610 1,524 1 12.4% -11.7% 4.6% 24.8% 2.25% 0.59% 1.70% 56.7% % Kearny Municipal EFCU NJ 0 $9,312,138 794 2 0.6% -5.4% -1.6% 16.2% 8.21% -3% 0.26% 15.2% % Elizabeth NJ Firemens FCU NJ 0 $9,223,861 1,333 0-1.9% 1% -5.5% 8.0% 2.47% 0.37% 0.22% 32.5% 0.6% East Orange Firemens FCU NJ 0 $8,841,241 604 1 0.1% 7.5% 1% 19.9% 4.96% 2.38% -1.97% 69.6% % Public Service HC EFCU NJ 0 $8,662,251 988 0-1.1% -16.5% -4.1% 28.3% 3.46% 1.29% 0% 29.4% 0.5% New Jersey Community FCU NJ 0 $8,595,694 1,326 1-4.1% -1.1% -6.3% 7.7% 0.15% 0.48% 0.78% 59.6% 21.4% Fort Dix FCU NJ 0 $8,378,840 1,290 1-13.0% -35.2% -16.1% 12.8% 5.48% 3.61% -0.36% 33.2% % Union County EFCU NJ 0 $8,330,609 1,720 1-1.0% -9.5% -3.3% 14.3% 4.32% 1.31% 0.17% 35.9% % Saker Shop Rite FCU NJ 0 $7,932,563 2,075 1 6.9% -6.3% -50.2% 22.1% 4.46% 1.26% 1.99% 26.0% % Rutherford Postal District EFCU NJ 0 $7,838,318 406 0-0.7% -22.7% -1.7% 7.5% 0% 0.17% 0% 3.4% % I.L.A. Local 1235 FCU NJ 0 $7,644,428 657 1 0.9% -6.2% -5.1% 16.8% 0% -0.15% -0.43% 65.8% % Global 1 FCU NJ 0 $7,407,131 1,268 2-5.3% -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 1,194 1 2.3% 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 1,039 1-2.5% 0.4% -0.8% 9.8% 4.38% -0.22% -7% 18.8% % Essex County New Jersey EFCU NJ 0 $7,014,935 2,043 1-0.4% 1.0% -1.3% 10.6% 0.23% 0.27% -0.62% 43.0% % Passaic Police FCU NJ 0 $6,911,633 629 1 10.2% -2.9% 3.8% 13.4% 2.08% 0.34% 0.34% 29.3% %
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 2,499 1 5.2% -5.5% 1.7% 11.2% 4.78% 2.22% 0.11% 36.0% % HMC NJ FCU NJ 0 $6,711,963 986 1 5.7% 13.0% 1.0% 11.4% 5% 0.66% 2% 31.9% % Bayonne School EFCU NJ 0 $6,689,282 633 1-0.9% -10.5% 6.9% 7.5% 0% 7% 0.68% 11.0% % Health Care of New Jersey FCU NJ 0 $6,680,796 1,947 2-1.5% -4.5% -1.1% 13.0% 0.21% 6% 0.71% 49.4% % Bloomfield Fire and Police FCU NJ 0 $6,598,728 1,265 0 2.6% 15.2% 2.3% 17.1% 1.71% 0.28% 0.87% 86.8% % Newark Police FCU NJ 0 $6,397,022 1,581 1 3.9% -2.6% 1.3% 23.1% 5.23% 0% 1.22% 55.9% % Bayonne City EFCU NJ 0 $5,326,619 789 0-3.9% -1.6% -1.9% 23.9% 0.15% 0% -0.20% 38.2% % Paterson Police FCU NJ 0 $5,288,101 706 1-1.0% -10.9% -2.1% 16.6% 1.09% 0.27% 0.65% 27.2% % Metrex FCU NJ 0 $5,263,386 661 1 2.9% 16.9% -2.1% 20.4% 1.39% 0.87% 1.69% 96.7% % Parlin Dupont EFCU NJ 0 $5,212,436 636 1-3.2% 3.3% 2.3% 8.2% 1.62% 0.57% 0.12% 46.8% % GAF Linden EFCU NJ 0 $4,912,849 603 2 7.8% -0.5% -0.8% 11.7% 1.93% 0.33% 0.46% 30.8% 3.8% Bayonne Hospital EFCU NJ 0 $4,795,370 693 1-7.6% 6.0% -2.3% 15.8% 0.53% 1.89% 8% 24.4% % Trenton NJ Firemen FCU NJ 0 $3,943,915 934 1-9.5% -1.0% -0.8% 16.7% 0.39% 0% 0.20% 31.3% % Public Service ED Trenton FCU NJ 0 $3,874,158 389 1-6.7% -0.7% -1.5% 31.4% 0.72% -2% 0.11% 18.4% % United Investors FCU NJ 0 $3,808,683 496 1-2.5% -9.9% -3.7% 7.3% 0.95% 0.48% -3.16% 37.2% % Unity FCU NJ 0 $3,479,374 842 2 8.1% -13.5% 0.7% 18.0% 0.17% -6% 0.24% 54.9% % 1st Bergen FCU NJ 0 $3,406,470 2,544 1 18.3% 30.2% 9.5% 7.7% 9.43% -4% 0.56% 80.4% % New Community FCU NJ 0 $3,291,858 3,407 1-0.2% -16.1% 5.6% 13.0% 2% 0% -9% 57.0% 41.9% Newark Post Office ECU NJ 0 $3,132,322 1,226 1-5.1% -6.1% -3.1% 31.6% 3.13% 5.01% -2.30% 68.6% % Clifton NJ Postal EFCU NJ 0 $2,930,144 370 1-2.1% -4.3% -1.3% 37.9% 3.73% 0.17% -0.31% 37.0% % Plainfield Police and Firemen FCU NJ 0 $2,917,626 510 1-18.9% -13.0% -3.6% 7.5% 12.61% -2.38% 0% 41.9% % Nestle -Freehold- EFCU NJ 0 $2,849,456 271 1 7.1% 6.8% 1.5% 19.7% 0% 0% 0.65% 56.0% % Atlantic County NJ EFCU NJ 0 $2,567,125 572 1-3.2% -1.4% -4.7% 23.4% 0% 0.51% 2% 16.0% % Trenton Teachers FCU NJ 0 $2,446,785 519 0 2.2% 4.4% -4.1% 10.7% 17.95% 0.68% -6% 8.3% % Elizabeth Police Dept EFCU NJ 0 $2,365,492 398 1-9.1% 17.3% -0.7% 39.1% 2.64% -0.55% -1.10% 65.6% % Atlantic City Police FCU NJ 0 $2,317,659 320 1-3.9% -19.8% -1.5% 11.4% 1.00% 0.28% -0.97% 11.3% % Criers FCU NJ 0 $1,900,671 205 1 8.6% 17.1% -2.8% 19.3% 0% 0% 1.11% 20.3% % Piscataway Township EFCU NJ 0 $1,838,544 340 0 2.7% 3.0% -4.8% 13.6% 0.52% 0% 0.33% 44.6% % M & C Menlo Park FCU NJ 0 $1,833,093 286 1 8.5% -7.5% -1.7% 8.6% 9.28% 2.16% 8% 37.2% % St Andrew KIM FCU NJ 0 $1,745,306 407 2-15.6% -23.9% -23.5% 15.1% 1.39% 1.25% -0.44% 35.4% % Ocean County EFCU NJ 0 $1,511,950 515 1-1.6% -6.3% -9.2% 13.0% 0.58% 0.67% 1.22% 32.4% % Plainfield CU NJ 0 $1,324,280 185 1-3.1% 6.9% -3.6% 20.2% 6.81% 1.11% 0.24% 22.2% % Terminals FCU NJ 0 $972,298 115 1 5.7% 12.3% % 28.5% 7.94% 0% 1.32% 97.1% % Defense Logistics FCU NJ 0 $815,406 289 1-3.2% -22.6% -8.0% 7.4% 4.51% 0% -0.35% 56.3% % FC FCU NJ 0 $759,237 87 1-16.7% -89.3% -13.0% 32.7% 0% 0% -2.66% 1.3% % Camden Police FCU NJ 0 $678,188 264 1-10.6% 35.5% 21.1% 7.0% 5% -0.16% -1.85% 61.5% % Passaic Postal ECU NJ 0 $471,716 174 1-13.2% -11.6% -1.1% 15.9% 5.04% -0.10% -1.65% 50.7% % Mercer County Imprvmt Athrty EFCU NJ 0 $395,432 189 1 7.8% 7.1% -7.4% 24.1% 2.67% 3.91% 1.17% 80.5% % Israel Memorial AME FCU NJ 0 $378,601 172 0-15.7% 81.7% -0.6% 41.2% 3.90% -0.25% 1.32% 59.6% % Camden Firemens CU NJ 0 $367,282 147 1-5.0% 4.5% 0.7% 11.9% 0% 0.32% 0.57% 86.3% % Heard AME FCU NJ 0 $224,739 173 1-2.8% 40.6% -21.7% 10.7% 5.10% 0% 0.76% 31.8% % Messiah Baptist Church FCU NJ 0 $218,765 169 0 1.4% 13.5% 5.0% 12.6% 0% 0% 1.34% 22.1% % Salem Baptist FCU NJ 0 $144,910 135 1-7.3% -22.8% -0.7% 21.6% 0% 0% -0.40% 10.8% % Bay Ridge Lodge No 632 FCU NJ 0 $88,762 35 0 1.9% -1.6% -5.4% 53.2% 0% 0% 1.13% 65.3% % Medians $15,056,431 1,745 1-0.5% 0.8% -0.8% 11.4% 1.43% 0.30% 0.27% 50.9% % By Asset Size Number of Insts. $5 million and less 34 330 1-2.2% -1.4% -0.2% 18.0% 3.34% 0.48% -0.21% 39.8% 2.3% $5 to $10 million 33 1,194 1 0.1% -1.4% -6.0% 15.8% 1.88% 0.66% 0.31% 40.4% 1.3% $10 to $20 million 24 1,386 1 1.4% 4.1% -0.2% 14.2% 2.99% 0.73% 0.12% 53.3% 6.7% $20 to $50 million 26 3,120 1 1.3% 1.0% 0.7% 11.0% 1.29% 0.46% 0.47% 52.1% 11.4% $50 to $100 million 15 8,305 2 2.3% -0.2% 3.0% 1% 2.36% 0.63% 0.31% 52.8% 12.1% $100 to $250 million 17 14,689 3-2.6% -0.5% -4.5% 9.7% 2.24% 0.75% 5% 61.9% 14.5% $250 million+ 11 25,243 5 5.5% 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.