Operating Ratios and Spreads - Credit Union National Association … · 2019-02-19 · Additional Ratios and Averages 32. Branch Information and Service Offerings 33. Sample Information

Operating Ratios and Spreads

September 2018

Prepared December 2018 by:

Economics & Statistics Department Credit Union National Association, Inc.

PO Box 431 Madison, Wisconsin 53701

(800) 356-9655 ext.4399 Stock #30680

Copyright 2018 by Credit Union National Association, Inc. All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or

transmitted, in any form or by any means, electronic, mechanical, photocopying, recording or otherwise, without the prior written permission of the copyright owner.

OPERATING RATIOS AND SPREADS

THIRD-QUARTER 2018

This booklet contains a series of tables, arranged by asset size, presenting operating ratios and spreads for credit unions. All credits unions, as of March 2007, are required to fill out the full 5300 call report on a quarterly basis. The operating ratios and spread tables are the same as the sections of the biannual Operating Ratios and Spreads book. The last row of each table, which contains the total, is the total for all credit unions in the given section. These totals can be used in comparing the totals in the mid-year and year-end editions of Operating Ratios and Spreads. All of the ratios are defined in the same way as in the biannual book. Although this book does not contain the explanatory text that appears in the biannual book, the meaning of the ratios should be clear from recalling the categories used in the Call Report, and the list of relationships located in the following sections. Here are some important points about the methods used:

CALCULATION OF AVERAGES

The averages were calculated by summing all the variables before the ratios were computed. For example, the loans/savings ratio reported here is not the average of the individual loan/savings ratios computed for each credit union: it's the ratio of total loans of all credit union in each asset size category divided by total savings at all credit unions in each category

CALCULATION OF SPREADS The spreads ratios were computed by dividing items from the income/expense statements by the average value of balance sheet items during the period. For example, the return on loans was computed by dividing total loan income for the nine month period by the average value of loans outstanding during the period. Those average values were obtained by adding the year-end 2017 values, plus two times the values at the end of March 2018, plus two times the values at the end of mid-year 2018, plus the values at the end of September 2018 and dividing by six. Again, the variables were summed over all credit unions before the ratios were computed. Data was included only from credit unions which we had data for year-end 2017 and third-quarter of 2018.

RELATIONSHIPS BETWEEN RATIOS

Understanding the relationships below will make it easier to understand what the tables mean, and also should help you in calculating your own credit union's ratios for comparison.

OPERATING RATIOS TABLES 1. Columns (1) - (2) + (3) + (4) + (5) + (6) = 100%. 2. The first seven (not eight) columns sum to 100%. Column (8) = Columns (4) + (5) + (6) + (7). 3. The first ten (not twelve) columns sum to 100%. Columns (11) and (12) are included in the previous ten. 9c. Columns (2) + (3) + (4) + (5) + (6) + (7) + (8) = 100%. 9d. Columns (2) + (3) + (4) + (5) + (6) + (7)+ (8) = 100%. 10b. Columns (2) + (3) + (4) + (5) + (6) = 100%. Columns (8) + (9) + (10) + (11) + (12) = 100%. 11. Columns (3) + (4) + (5) + (6) + (7) = 100%. Columns (8) + (9) + (10) + (11) + (12) = 100%. 13. Columns (1) + (3) + (5) = Column (7) Columns (2) + (4) + (6) = Column (8) 20. The eleven columns of Table 20 sum to 100%. 21. Columns (1) + (2) + (3) + (4) + (5) sum to 100%. Columns (6) + (7) + (8) + (9) sum to 100%. 22 The first six columns sum to 100%. 26 The first six columns sum to 100%. 27. The first five columns sum to 100%. 28. The ten columns sum to 100%. Total operating expenses here (and in Table 27 and Spreads Table 3) do not

include provisions for loan and investment loss, or interest on borrowings.

SPREADS TABLES 1. Column (3) = Columns (1) - (2). 2. Column (1) = Column (6) of Table 1. Column (2) = Column (4) of Table 2. Column (3) = Columns [(1) - (2)] multiplied by 100 (i.e. 1% = 100 BP). 3. Column (1) = Columns [(3) + (4) + (5) - (6)] of Table 3. Column (3) = Columns (1) - (2). 4. Columns (3) = Columns (1) - (2), and Column (3) = Columns (4) + (5). 5. Column (6) = Columns (4) - (5).

TABLE OF CONTENTS

I. OPERATING RATIOS TABLES Balance Sheet Composition 1. Distribution of Assets 2. Distribution of Liabilities and Equity

Loans 3. Distribution of Dollar Amounts in Loans Outstanding 4. Percent of Credit Unions Offering Various Types of Loans 5. Types of Loans as Percent of Loans Outstanding at Offering Credit Unions 6. Average Size of Outstanding Loans 7. Loans Outstanding and Granted 8. Indirect and Participation Loans Outstanding 9. First Mortgage Loans 10. All Second Mortgages Including Home Equity 11. All Business Loans 12. Small Business Administration Loans 13. Loan Delinquency Ratios 14. Consumer Loan Delinquency Ratios 15. Real Estate Loan Delinquency Ratios 16. Additional Loan Delinquency Ratios 17. Allowance for Loan Loss and Bankruptcy 18. Foreclosed and Repossessed Assets, Chargeoffs

Investments 19. Percent of Credit Unions Holding Various Investments 20. Distribution of Surplus Funds 21. Maturity, FAS 115 classification, market value

Savings 22. Distribution of Dollar Amounts in Savings Accounts 23. Average Size of Savings Accounts 24. Percent of Credit Unions Using Various Types of Funding Sources 25. Distribution of Funding Sources

Income and Costs 26. Income Items as Percent of Total Income 27. Distribution of Total Income 28. Distribution of Operating Expenses 29. Average Rates Charged on Loans 30. Average Rates Paid on Savings

Miscellaneous 31. Additional Ratios and Averages 32. Branch Information and Service Offerings 33. Sample Information and Population Projections

II. SPREADS, CAMEL RATIOS AND GROWTH TABLES 1. Rates of Return 2. Cost of Funds 3. Credit Union Spreads 4. Distribution of Net Spread 5. Key Ratios 6. Credit Union Growth 7. Sample Information

Operating Ratios By Asset Size

First nine months 2018 operating ratios by assets

(7)S

ection 1 -O

perating ratios by asset size

By asset size Allowance for Cash Fixed Other($ in millions) Loans loan loss on hand Investments1 assets assets

0.0 - 0.5 35.6 2.0 0.1 64.3 0.5 1.60.5 - 1.0 48.4 1.3 0.4 50.7 0.4 1.41.0 - 2.0 46.8 1.2 0.8 51.8 0.3 1.52.0 - 5.0 52.7 0.9 0.6 45.8 0.5 1.45.0 - 10.0 50.6 0.6 1.0 46.8 0.9 1.410.0 - 20.0 50.4 0.5 1.2 45.9 1.4 1.720.0 - 50.0 53.7 0.5 1.2 41.5 2.0 2.150.0 -100.0 58.3 0.5 1.2 35.9 2.4 2.7100.0 - 200.0 65.5 0.5 1.1 28.3 2.6 3.1200.0 - 500.0 69.4 0.6 0.9 24.4 2.6 3.3500.0 - 1000.0 72.4 0.6 0.8 21.8 2.5 3.21000.0 and over 73.9 0.7 0.5 21.5 1.8 2.9

National total 71.5% 0.6% 0.7% 23.5% 2.0% 2.9%

Low income 73.9 0.6 0.9 20.4 2.5 2.9Federally chartered 70.5 0.7 0.6 24.5 2.0 3.1State chartered 72.5 0.6 0.7 22.4 2.0 2.8

1 Investments: Includes cash on deposits and cash equivalents.

Table 1

Distribution of assets(Items as a percent of total assets)

Regular reserves Accumul. unrealized Memo*By asset size Other (excluding allowance Other gains (losses) Corporate($ in millions) Savings Borrowings liabilities for loan loss) reserves on afs secs. Stabilization

0.0 - 0.5 78.4 0.1 0.4 5.6 1.8 0.0 13.6 21.0 0.000.5 - 1.0 79.2 0.2 0.6 6.3 0.2 0.0 13.5 20.0 0.001.0 - 2.0 82.0 0.2 0.5 3.7 0.2 0.0 13.5 17.3 0.002.0 - 5.0 82.6 0.2 0.5 3.8 0.4 0.0 12.5 16.7 0.005.0 - 10.0 84.2 0.2 0.4 3.1 0.4 0.0 11.7 15.2 0.0010.0 - 20.0 85.8 0.1 0.5 2.6 0.6 -0.1 10.5 13.6 0.0020.0 - 50.0 86.8 0.3 0.7 2.4 0.4 -0.2 9.7 12.3 0.0050.0 -100.0 87.1 0.5 0.8 2.3 0.6 -0.3 9.0 11.5 0.00100.0 - 200.0 87.0 1.0 1.0 2.0 0.6 -0.4 8.8 11.0 0.00200.0 - 500.0 86.3 2.0 1.1 1.7 0.7 -0.5 8.8 10.7 0.00500.0 - 1000.0 84.5 3.5 1.2 1.5 0.8 -0.4 8.9 10.8 0.001000.0 and over 82.9 5.2 1.3 1.3 2.1 -0.5 7.7 10.6 0.00

National total 83.9% 4.1% 1.2% 1.5% 1.6% -0.4% 0.00

Low income 84.7 3.4 1.3 1.5 0.7 -0.4 8.9 10.7 0.00Federally chartered 83.0 5.0 1.2 1.2 2.3 -0.5 7.8 10.8 0.00State chartered 85.0 3.1 1.2 1.9 0.8 -0.4 8.4 10.7 0.00

Net capitalUndivided

Distribution of liabilities & equity(Items as a percent of total assets)

earnings

8.1%

(excluding allowancesfor loan & inv. loss)

10.8%

Table 2


(8)S

ection 1 -O


Loans

By asset size held($ in millions) for sale

0.0 - 0.5 0.4 54.9 9.3 28.5 0.0 0.0 0.0 0.1 6.8 0.0 0.60.5 - 1.0 0.5 28.2 20.0 39.0 0.0 0.6 0.0 0.2 11.5 0.0 0.01.0 - 2.0 0.5 30.1 21.4 38.1 0.0 1.3 0.0 0.6 8.0 0.1 0.02.0 - 5.0 1.0 22.1 23.3 39.5 0.0 3.2 0.5 1.5 8.9 0.1 0.65.0 - 10.0 2.2 17.5 22.9 37.7 0.0 6.1 1.3 2.9 9.4 0.1 0.610.0 - 20.0 3.2 13.1 19.4 33.8 0.0 14.7 2.9 4.1 8.8 0.3 0.520.0 - 50.0 4.0 8.5 15.1 30.4 0.0 24.9 4.4 4.7 8.0 0.6 1.250.0 -100.0 4.0 6.5 13.8 28.8 0.3 28.9 5.1 4.4 8.2 0.8 3.1100.0 - 200.0 3.7 5.1 12.6 27.1 0.1 33.2 5.1 4.3 8.7 0.9 4.8200.0 - 500.0 4.1 4.5 13.2 26.2 0.2 35.3 5.6 4.0 6.7 0.5 6.4500.0 - 1000.0 4.2 4.2 13.9 23.4 0.1 39.0 5.5 3.3 6.1 0.5 7.81000.0 and over 6.6 3.6 14.1 18.7 0.5 43.8 5.3 2.6 4.3 0.2 6.7

National total

Low income 4.5 3.9 14.8 24.9 0.2 36.8 4.6 3.0 6.8 0.4 8.1Federally chartered 4.9 13.5 20.0 0.5 39.6 5.5 3.4 4.8 0.1 5.7State chartered 3.2 14.5 22.2 0.2 42.0 5.1 2.7 5.6 0.6 7.2

Columns 1-10 sum to 100%. Business loans are included in columns 1-10, as well as reported separately.

0.10.10.10.3

0.50.3

0.3

21.1% 0.4%

7.2

40.8%

4.3

5.3% 5.2% 6.5%0.3%0.4%

Table 3

(Items as a percent of total loans)Distribution of dollar amounts in loans outstanding

equity OtherOther

Other

14.0%

unsecuredCreditcards loans

business Other loans

business Leases

3.0%

0.5

0.0

0.0

Auto

New

5.7% 4.1%

Used

AgriculturalMortgage

Home

0.0

0.0

0.0

0.0

0.0

First

By asset size($ in millions)

0.0 - 0.5 1.4 96.6 19.3 43.4 0.7 0.0 0.0 0.7 0.0 37.9 0.0 1.40.5 - 1.0 1.6 92.7 71.5 85.4 0.0 2.4 0.0 0.8 0.0 61.8 0.0 0.01.0 - 2.0 2.7 97.9 79.7 85.6 0.0 5.9 0.0 3.7 0.0 63.1 0.5 0.02.0 - 5.0 10.3 99.3 95.0 96.1 0.0 13.4 4.4 10.7 0.0 81.4 0.4 3.35.0 - 10.0 28.0 99.1 97.7 97.9 0.5 30.4 13.6 30.5 0.2 89.6 0.9 4.310.0 - 20.0 49.3 99.4 98.9 99.0 0.4 56.7 30.0 48.9 0.4 93.5 1.0 8.920.0 - 50.0 74.6 100.0 99.7 99.7 0.5 84.4 56.7 68.2 1.3 90.4 3.7 23.650.0 -100.0 85.3 99.9 99.7 99.9 1.6 95.5 77.1 83.2 5.1 83.2 5.9 40.7100.0 - 200.0 87.2 100.0 100.0 100.0 1.4 99.5 85.4 92.0 15.3 69.5 11.9 66.7200.0 - 500.0 91.2 100.0 100.0 99.6 2.6 99.8 89.2 95.8 22.6 58.3 17.8 76.6500.0 - 1000.0 93.9 100.0 99.6 100.0 2.8 100.0 92.7 97.6 38.2 44.7 18.3 84.11000.0 and over 94.1 100.0 100.0 99.7 9.8 99.7 97.7 98.7 62.1 32.0 24.5 90.2

National total

Low income 62.6 99.6 94.2 96.2 1.1 69.8 50.5 59.6 75.5 7.8 36.2Federally chartered 58.6 99.6 94.8 95.8 1.4 64.9 48.1 57.8 77.3 5.0 28.2State chartered 66.2 99.2 97.1 98.6 1.6 75.0 59.0 67.6 73.6 9.5 43.0

CreditNew

61.5% 95.7%

cardsOther

Auto

96.9% 1.5%99.4%

Used Leasesunsecuredbusiness business

loansOther loans

Table 4Percent of credit unions offering various types of loans

Mortgage Agricultural Other

75.9%

heldfor sale

14.1

9.86.9

9.7%68.8%

Loans

33.9%6.7%52.3%

Other

61.6%

First equityHome


(9)S

ection 1 -O


LoansBy asset size held($ in millions) for sale

0.0 - 0.5 28.8 55.7 24.0 41.5 6.5 0.0 0.0 7.2 0.0 15.8 0.0 22.80.5 - 1.0 46.1 30.1 25.1 41.5 0.0 26.1 0.0 21.5 0.0 17.2 0.0 0.01.0 - 2.0 16.9 30.6 24.1 40.5 0.0 18.4 0.0 12.3 0.0 11.5 12.6 0.02.0 - 5.0 7.4 22.3 24.0 40.2 0.0 21.0 7.6 11.8 0.0 10.6 8.0 15.35.0 - 10.0 7.1 17.6 23.3 38.1 1.5 18.1 8.5 9.0 0.8 10.2 11.1 11.610.0 - 20.0 6.0 13.1 19.5 34.1 8.3 23.4 8.2 7.8 2.8 9.4 23.3 4.420.0 - 50.0 5.1 8.5 15.1 30.5 2.8 28.4 7.2 6.6 1.5 8.9 12.5 4.650.0 -100.0 4.6 6.6 13.9 28.9 15.1 29.9 6.4 5.2 1.0 10.0 11.2 7.0100.0 - 200.0 4.3 5.1 12.6 27.1 9.9 33.3 5.9 4.7 0.6 12.6 6.6 6.9200.0 - 500.0 4.5 4.5 13.2 26.4 7.6 35.3 6.2 4.2 0.4 12.1 2.7 7.9500.0 - 1000.0 4.6 4.2 13.9 23.4 4.0 39.0 5.9 3.3 0.6 13.7 2.4 9.11000.0 and over 6.9 3.6 14.1 18.7 4.9 43.8 5.4 2.6 0.8 10.5 1.2 7.4

National total

Low income 4.8 3.9 14.9 24.9 6.9 37.1 5.0 3.1 0.6 16.9 1.4 9.1Federally chartered 7.6 4.9 13.5 20.1 7.7 40.0 5.9 3.5 0.9 9.4 0.7 6.8State chartered 4.6 3.2 14.5 22.2 2.7 42.2 5.4 2.7 0.6 13.3 2.5 8.5

6.1% 14.0% 21.1% 5.1%4.1%

Otherunsecured

Creditcards

Table 5Types of loans as a percent of loans outstanding at offering credit unions

(Items as a percent of total loans)

Mortgage Agricultural OtherAuto

7.6%1.9%0.7%5.6% 11.1%

businessbusiness loansOther loansOther

3.1%

HomeNew Used Leases First

41.1%

equity


0.0 - 0.5 2.1 2.3 14.3 7.7 0.5 0.0 18.0 4.1 0.0 17.00.5 - 1.0 0.5 2.4 16.2 9.0 0.0 29.2 99.0 5.2 0.0 0.01.0 - 2.0 1.7 2.1 15.7 9.3 0.0 37.6 25.4 5.3 120.0 0.02.0 - 5.0 1.7 2.7 18.8 9.8 0.0 33.1 31.0 8.6 25.8 68.05.0 - 10.0 1.7 2.9 18.4 10.1 4.4 55.2 29.7 8.6 28.3 31.810.0 - 20.0 1.7 3.1 18.4 10.0 9.6 70.4 33.3 9.8 80.9 65.220.0 - 50.0 1.7 2.9 14.5 9.6 17.1 65.7 31.4 9.1 96.7 55.450.0 -100.0 1.8 2.8 15.8 10.2 28.2 68.8 33.7 10.3 93.0 140.5100.0 - 200.0 1.9 2.9 17.4 11.2 29.5 84.7 32.5 11.3 126.5 161.3200.0 - 500.0 2.2 3.0 20.8 12.5 30.3 104.5 36.2 13.1 138.9 216.6500.0 - 1000.0 2.3 3.2 20.9 12.8 32.1 146.8 36.6 14.5 165.7 292.11000.0 and over 3.3 3.1 21.1 13.2 30.8 180.7 37.4 15.4 203.0 493.2

National total $2.9 $3.1 $20.4 $12.6 $30.7 $151.2 $36.5 $13.8 $155.0 $357.8

Low income 2.4 2.7 21.2 12.7 30.4 126.2 32.9 13.8 145.2 336.3Federally chartered 3.3 3.2 20.9 12.7 30.3 159.1 39.2 12.8 148.0 365.2State chartered 2.4 2.9 20.0 12.5 31.6 144.3 33.8 14.9 156.1 351.9

Table 6Average size of outstanding loans

($ in thousands)

business

Auto

business

Agricultural OtherCredit

Other

UsedFirst

Leases mortgagecardsOther

unsecured New loans(incl. home equity)mortgage

loansOther


(10)


0.0 - 0.5 3,278 499 0.15 3,165 247 0.080.5 - 1.0 4,889 1,335 0.27 2,093 598 0.291.0 - 2.0 4,646 1,584 0.34 4,286 756 0.182.0 - 5.0 6,573 2,520 0.38 5,923 1,077 0.185.0 - 10.0 7,312 3,040 0.42 6,857 1,195 0.1710.0 - 20.0 8,380 3,646 0.44 8,178 1,354 0.1720.0 - 50.0 9,068 4,634 0.51 7,937 1,580 0.2050.0 -100.0 10,321 5,439 0.53 11,549 1,953 0.17100.0 - 200.0 12,113 6,637 0.55 12,531 2,168 0.17200.0 - 500.0 13,768 7,527 0.55 12,919 2,458 0.19500.0 - 1000.0 15,231 8,711 0.57 10,536 2,846 0.271000.0 and over 16,836 10,276 0.61 17,455 4,063 0.23

National total $15,331 $8,921 $3,339

Low income 14,211 8,157 0.57 13,543 3,040 0.22Federally chartered 14,755 8,633 0.59 13,940 3,381 0.24State chartered 15,972 9,238 0.58 16,412 3,292 0.20

Loans granted first nine months 2018Loans outstanding

loans perloans perloan$ Loans

Table 7

Loans outstanding and granted first nine months 2018

0.22$15,001

Number of

memberloan per

$ Loans

member

0.58

Average

size

Average

size

Number of

membermemberper


0.0 - 0.5 0.00 0.00 0 0.00 0.00 0 0.00 - - 0.5 - 1.0 0.00 0.00 0 0.00 0.00 0 0.81 0.00 1,248 1.0 - 2.0 0.00 0.00 0 0.00 0.00 0 2.67 0.46 997 2.0 - 5.0 0.88 0.13 13,473 0.44 0.06 18,087 2.63 0.24 1,900 5.0 - 10.0 1.61 0.29 7,331 1.43 0.15 10,391 4.29 0.44 2,639 10.0 - 20.0 6.68 1.97 13,525 3.13 0.87 14,013 8.95 1.26 3,006 20.0 - 50.0 15.00 2.96 12,560 11.11 2.67 10,789 23.17 2.57 2,157 50.0 -100.0 30.55 8.14 15,482 23.48 4.95 12,829 42.43 3.90 3,663 100.0 - 200.0 43.85 10.25 14,686 30.48 5.80 16,270 57.58 4.64 6,791 200.0 - 500.0 58.72 14.79 16,326 34.47 6.39 19,090 64.93 3.96 14,159500.0 - 1000.0 61.79 16.37 16,360 44.72 7.17 18,272 76.83 4.03 15,0671000.0 and over 69.28 14.74 18,180 44.44 7.34 20,535 75.82 2.49 18,330

National total 14.22 $17,458 $19,512 2.97 12,332

Low income 26.71 17.77 17,125 15.40 8.11 19,292 30.99 2.38 11,872Federally chartered 19.31 12.45 17,902 13.58 5.67 20,208 26.71 2.83 13,911State chartered 31.80 16.04 17,120 20.67 8.25 19,048 37.76 3.11 11,149

$ Outsourced lending Averageloan

size

% of

sizerelationshipsper $ loans

credit unions loanper $ loans

$ Participationloans

offering

$ Point of sale Average

size offeringarrangements loan credit unions

30.95%24.10%

offering per $ loans

16.30% 6.94

credit unions% of Average

Table 8Indirect and participation loans outstanding

Indirect loans

Point of sale arrangements Outsourced lending relationships

Participation loans

% of

Section 1 -

Operating ratios by asset size


(11)S

ection 1 -O



0.0 - 0.5 0 0 0 0 0 0 0 0.0 0.0 0.0 0.0 0.0 0.0 0.00.5 - 1.0 3 0 0 0 0 0 0 29.2 0.0 0.0 0.0 0.0 0.0 0.01.0 - 2.0 4 1 6 3 0 0 2 30.3 51.0 24.8 60.6 0.0 0.0 44.22.0 - 5.0 6 12 13 1 6 8 12 34.8 22.0 58.2 54.3 61.6 70.7 23.75.0 - 10.0 11 5 10 7 5 9 9 44.7 90.0 67.4 66.3 38.4 52.9 47.210.0 - 20.0 17 10 24 8 10 13 15 55.3 106.0 52.1 128.9 36.2 46.5 94.620.0 - 50.0 34 31 30 16 105 21 27 57.6 76.7 87.3 111.6 6.4 48.7 99.950.0 -100.0 82 75 51 28 25 26 39 53.2 69.6 99.9 122.8 69.7 52.6 96.0100.0 - 200.0 146 130 64 43 27 54 61 64.6 84.2 122.8 141.1 78.0 65.2 121.6200.0 - 500.0 287 256 93 65 57 84 129 70.5 111.3 175.2 191.7 80.6 69.2 136.6500.0 - 1000.0 515 450 170 138 68 122 157 89.4 167.2 229.8 267.4 93.5 72.6 185.51000.0 and over 1,837 1,777 504 558 118 338 1,086 102.5 204.9 294.3 332.7 156.6 72.7 184.7

National total 283 295 149 151 61 109 233

Low income 254 248 160 117 52 110 133 80.7 131.9 203.0 245.1 91.8 63.0 164.8Federally chartered 240 265 118 122 71 96 154 89.4 176.6 265.0 342.0 69.5 76.9 225.4State chartered 341 338 178 180 53 122 318 88.9 161.9 224.2 263.2 106.7 64.4 144.7

$240.0 $294.2 $85.6 $70.1 $172.3

<= 1 yr > 1 yr<= 1 yr fixed rate<= 15yrs > 15 yrs <= 5 yrs > 5 yrs> 1 yr

$89.1 $169.6

fixed rateOtherFixed rate

<= 15yrsAdjustable rate

> 15 yrsBalloon/Hybrid<= 5 yrs > 5 yrs

Table 9aFirst mortgage loans outstanding

Number and average size

First mortgages outstanding at offering CUs

Average loan size ($ in thousands)Balloon/Hybrid Other

Number per credit unionAdjustable rateFixed rate


0.0 - 0.5 0 0 0 0 0 0 0 0.0 0.0 0.0 0.0 0.0 0.0 0.00.5 - 1.0 1 0 0 0 0 0 0 28.1 0.0 0.0 0.0 0.0 0.0 0.01.0 - 2.0 2 1 0 0 0 0 0 89.3 126.8 0.0 0.0 0.0 0.0 0.02.0 - 5.0 2 2 2 0 6 0 0 72.0 78.1 91.9 0.0 57.4 0.0 0.05.0 - 10.0 4 2 2 6 5 4 5 59.1 127.8 85.5 59.3 21.0 22.8 36.610.0 - 20.0 4 2 10 4 2 6 6 80.6 158.2 75.5 136.2 64.7 61.2 93.920.0 - 50.0 6 8 8 6 39 7 8 82.8 102.6 106.0 134.8 10.6 46.4 148.350.0 -100.0 11 17 14 8 6 11 12 84.6 84.3 115.9 143.0 94.0 41.5 102.0100.0 - 200.0 20 28 16 12 12 25 13 92.1 124.7 152.0 187.3 97.3 48.6 148.7200.0 - 500.0 43 56 21 14 19 35 30 86.5 145.1 211.7 281.8 108.6 61.4 162.0500.0 - 1000.0 57 108 33 32 46 45 39 139.1 201.5 346.7 348.1 178.3 119.6 253.11000.0 and over 213 567 80 117 83 140 233 157.1 239.3 409.2 417.4 230.1 103.4 216.3

National total 45 106 33 42 29 50 59

Low income 45 89 36 34 29 51 40 121.9 177.9 265.2 318.0 135.6 76.4 202.2Federally chartered 42 101 28 37 36 52 47 129.0 224.3 361.6 438.4 145.4 82.4 227.0State chartered 47 114 37 47 23 48 72 135.4 201.9 305.7 337.6 151.4 101.1 192.2

Table 9bFirst mortgage loans granted


First mortgages granted during first nine months 2018 by offering CUs

<= 15yrs fixed rateOther

> 15 yrs <= 5 yrs > 5 yrs

Average loan size ($ in thousands)Fixed rate Balloon/Hybrid Adjustable rate Fixed rate Balloon/Hybrid Other Adjustable rate

Number per credit union

<= 1 yr > 5 yrs fixed rate <= 1 yr<= 15yrs > 15 yrs <= 5 yrs> 1 yr > 1 yr

$147.9 $91.9 $205.9$132.0 $213.9 $328.0 $379.1


(12)S

ection 1 -O



0.0 - 0.5 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.00.5 - 1.0 0.3 100.0 0.0 0.0 0.0 0.0 0.0 0.01.0 - 2.0 0.6 42.1 21.6 9.0 22.0 0.0 0.0 5.32.0 - 5.0 1.7 30.4 31.8 22.1 0.4 3.9 8.2 3.25.0 - 10.0 3.1 50.5 26.7 8.4 5.9 0.3 4.5 3.710.0 - 20.0 7.4 40.2 34.4 7.9 4.9 0.6 3.3 8.720.0 - 50.0 13.4 32.9 32.9 12.3 6.4 0.9 3.9 10.750.0 -100.0 16.9 32.5 32.9 13.5 7.9 1.0 3.2 8.9100.0 - 200.0 21.7 29.8 31.4 13.5 9.1 1.1 4.7 10.4200.0 - 500.0 24.5 25.6 34.7 13.7 9.7 1.1 3.9 11.3500.0 - 1000.0 28.2 22.9 37.2 14.7 13.9 0.5 2.8 8.01000.0 and over 32.4 18.8 36.1 13.1 16.7 0.4 1.9 12.9

National total

Low income 27.2 23.6 32.7 17.0 13.5 0.7 3.0 9.4Federally chartered 27.9 20.7 39.8 11.6 14.1 0.5 2.4 10.9State chartered 30.5 20.9 32.0 15.0 16.2 0.5 2.4 13.1

Fixed rate Balloon/Hybrid Other

29.1%

<= 5 yrsFirst mortgage/

assets > 15 yrs > 5 yrs <= 1yrs > 1yrs

15.1%

<= 15 yrs

20.8% 35.8% 13.4%

Table 9cFirst mortgage loans

Distribution of dollar amounts

0.5% 2.4% 12.0%

% of outstanding with First mortgages outstanding at all CUs

fixed rateAdjustable rate


0.0 - 0.5 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.00.5 - 1.0 0.1 100.0 0.0 0.0 0.0 0.0 0.0 0.0 0.01.0 - 2.0 0.1 58.5 41.5 0.0 0.0 0.0 0.0 0.0 0.02.0 - 5.0 0.2 48.8 15.6 22.0 0.0 13.7 0.0 0.0 23.65.0 - 10.0 0.4 52.0 26.6 4.6 9.6 0.7 1.8 4.7 11.410.0 - 20.0 1.1 38.2 32.8 11.7 6.6 0.5 4.1 6.0 15.320.0 - 50.0 2.4 28.7 37.0 9.4 6.7 1.7 3.5 12.8 15.650.0 -100.0 3.0 27.7 37.8 13.8 7.9 1.4 2.9 8.5 19.3100.0 - 200.0 4.6 24.5 40.3 11.8 9.2 2.2 4.3 7.7 28.5200.0 - 500.0 5.3 20.5 43.0 12.5 8.7 1.8 3.6 9.9 28.1500.0 - 1000.0 7.0 15.9 42.4 14.5 13.5 1.3 4.3 8.2 27.51000.0 and over 8.5 12.6 50.6 9.9 14.4 0.9 2.9 8.7 34.2

National total

Low income 7.2 17.4 44.0 13.0 12.2 1.4 3.8 8.2 32.6Federally chartered 7.3 14.2 52.8 9.2 12.5 1.2 2.7 7.4 35.9State chartered 7.3 14.5 43.8 12.4 14.6 1.0 3.6 10.1 28.6

sec market first<= 1yrs > 1yrs nine months 2018

32.3%

Adjustable rate

3.2%7.3%

<= 5 yrsgranted/assets fixed rate

8.7%1.1%

> 5 yrsOther

48.4%

Fixed rate Balloon/Hybrid

13.5%10.7%

> 15 yrs<= 15 yrs

14.4%

% sold in% of granted with First mortgages granted during first nine months 2018 by all CUs

Table 9dFirst mortgage loans granted


First mortgage

First nine months 2018 operating ratios by assetsSection 1 -


(13)

By asset size Fixed Fixed Fixed Fixed($ in millions) rate rate rate rate

0.0 - 0.5 1 0 18.0 0.0 0 0 0.0 0.00.5 - 1.0 1 0 99.0 0.0 0 0 0.0 0.01.0 - 2.0 4 2 25.8 19.1 0 0 0.0 0.02.0 - 5.0 7 7 30.3 33.6 3 3 48.6 42.45.0 - 10.0 11 12 28.9 31.9 4 5 37.5 24.310.0 - 20.0 16 21 33.8 32.9 5 6 45.7 31.820.0 - 50.0 36 39 29.5 33.3 9 15 44.2 26.150.0 -100.0 54 87 34.9 33.3 14 30 48.0 27.5100.0 - 200.0 111 182 34.3 31.4 24 55 49.2 26.6200.0 - 500.0 207 418 40.6 34.1 49 150 54.4 26.4500.0 - 1000.0 387 882 38.9 35.6 88 320 54.0 32.41000.0 and over 1,357 3,447 37.5 37.6 334 1,170 49.5 37.5

National total 217 522 $37.4 $36.3 65 206 $50.5 $34.5

Low income 193 418 34.4 32.3 58 174 47.5 28.5Federally chartered 206 448 38.7 39.7 59 173 53.4 37.5State chartered 232 618 35.8 33.1 73 248 47.2 31.8

Table 10aAll second mortgages including home equity


Average loan size ($ in thousands)Number per credit unionNumber per credit union Average loan size ($ in thousands)

Second mortgages outstanding at offering CUs

rateAdjustable Adjustable

Second mortgages granted first nine months 2018 by offering CUs

raterateAdjustableAdjustable

rate


0.0 - 0.5 0.0 100.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.00.5 - 1.0 0.1 100.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.01.0 - 2.0 0.3 94.8 5.2 0.0 0.0 0.0 0.0 0.0 0.0 0.02.0 - 5.0 1.1 59.9 10.2 4.5 25.4 0.2 79.5 2.4 0.0 18.25.0 - 10.0 2.1 55.8 7.7 5.3 31.2 0.3 59.3 5.1 4.8 30.910.0 - 20.0 3.5 48.6 4.6 5.3 41.4 0.7 52.8 4.1 8.1 35.020.0 - 50.0 4.9 43.5 3.4 4.8 48.3 1.1 45.0 2.1 5.5 47.450.0 -100.0 5.5 38.6 4.8 2.9 53.7 1.3 37.7 3.0 3.5 55.8100.0 - 200.0 6.2 39.2 4.2 2.6 54.0 1.5 40.1 3.2 3.9 52.8200.0 - 500.0 6.7 36.9 3.1 1.8 58.2 1.8 36.3 1.9 3.0 58.9500.0 - 1000.0 6.3 32.3 3.7 1.3 62.6 2.0 29.7 1.9 1.8 66.61000.0 and over 5.9 27.7 3.1 2.3 67.0 1.9 25.4 1.5 3.2 69.8

National total

Low income 5.6 33.1 3.1 3.1 60.8 1.7 30.8 1.4 4.6 63.2Federally chartered 6.3 32.5 3.8 1.7 62.1 1.9 30.5 1.7 2.6 65.2State chartered 5.6 28.9 2.7 2.8 65.6 1.8 26.3 1.7 3.7 68.2

Second mortgages outstanding at all CUs Second mortgages granted first nine months 2018 by all CUs

6.0% 30.8% 3.3%

adj rates

66.7%1.8%2.2%

fixed rate fixed rate

Table 10bAll second mortgages including home equity


% outstanding with % granted withSecond

63.7% 1.7%

Closed-endmortgageadj rates

28.5%

fixed rateadj ratesClosed-end

/assets

3.1%

Secondmortgage

/assetsClosed-end Closed-endfixed rate

Open-endOpen-end Open-endadj rates

Open-end


(14)S

ection 1 -O


($ in millions)0.0 - 0.5 0.69 15,222 71.83 80.00 0.03 100.00 100.00 4.000.5 - 1.0 0.00 0 0.00 0.00 0.00 0.00 0.00 0.001.0 - 2.0 0.00 0 0.00 0.00 0.00 0.00 0.00 0.002.0 - 5.0 0.00 0 0.00 0.00 0.00 0.00 0.00 0.005.0 - 10.0 0.00 0 0.00 0.00 0.00 0.00 0.00 0.0010.0 - 20.0 0.28 77,068 4.67 4.24 0.03 61.61 63.89 11.5020.0 - 50.0 0.66 79,381 1.75 1.41 0.07 51.35 73.74 10.4350.0 -100.0 2.83 231,012 2.11 1.16 0.15 16.30 9.91 5.30100.0 - 200.0 8.38 179,282 1.95 1.69 0.57 9.63 7.11 6.81200.0 - 500.0 21.44 247,024 2.55 2.14 1.58 5.71 5.07 7.35500.0 - 1000.0 34.96 290,233 3.69 3.56 5.39 7.22 6.55 15.431000.0 and over 45.75 355,783 2.87 3.80 12.70 4.41 6.12 27.75

National total

Low income 8.51 364,437 6.65Federally chartered 5.62 315,234 7.34State chartered 10.24 313,669 5.51

loans$ SBA loans/

total $SBA loans/businesstotal $

% of CUsNumber of

Table 12Small business administration loans

SBA loans outstanding at offering CUsNumber of

offering

Number of

loansSBA

Number of

6.21

SBA loans

$ SBA loans/

size

2.90

business loans

$314,378

business loans

1.18 5.03

SBA loans outstanding at all CUs

7.39%

16.372.80 5.002.87 1.68

15.91

1.38

3.10

By asset size Average businessper CUloansper CUloans

SBA loans/

6.96

SBA

15.400.86 5.063.943.03 3.43

3.44 16.16

By asset size Commercial & Secured by RE Commercial & Secured by RE($ in millions) Industrial (Non-Farm) Industrial (Non-Farm)

0.0 - 0.5 16,953 0.61 0.0 28.2 0.0 71.8 0.0 0.0 100.0 0.0 0.0 0.00.5 - 1.0 0 0.00 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.01.0 - 2.0 120,000 0.09 0.0 0.0 100.0 0.0 0.0 0.0 0.0 0.0 0.0 0.02.0 - 5.0 59,496 0.67 0.0 0.0 8.8 25.3 66.0 0.0 0.0 0.0 93.5 0.05.0 - 10.0 31,145 0.76 0.0 1.5 16.8 78.1 3.6 0.0 0.6 21.3 78.1 0.010.0 - 20.0 70,023 0.74 0.2 5.6 35.6 26.2 32.5 0.7 4.7 60.2 17.7 13.820.0 - 50.0 63,844 1.80 1.9 1.4 31.0 17.8 48.0 2.3 3.0 52.6 15.1 20.950.0 -100.0 127,604 3.92 1.9 0.4 19.8 19.2 58.7 3.2 0.3 33.4 26.7 27.1100.0 - 200.0 154,904 5.66 3.0 1.3 15.1 14.4 66.2 7.2 2.0 25.4 17.9 33.8200.0 - 500.0 207,695 6.91 2.9 1.0 7.7 13.4 75.1 9.0 1.6 13.3 12.0 46.9500.0 - 1000.0 280,352 8.30 4.1 1.3 5.5 10.1 79.1 10.5 2.2 6.4 13.1 49.21000.0 and over 471,199 6.91 4.4 0.6 3.3 6.0 85.7 13.5 1.4 2.1 8.8 60.1

National total 8.0% 82.1% 10.4% 55.4%

Low income 317,962 8.43 4.9 0.8 4.4 8.2 81.7 15.2 1.8 5.9 11.0 49.7Federally chartered 357,448 5.83 4.2 0.8 1.5 9.3 84.3 11.2 1.4 2.1 10.1 61.9State chartered 320,985 7.78 4.0 0.8 7.7 7.1 80.4 12.8 1.7 8.4 10.7 50.5

Table 11All business loans


% of total business loans granted first nine months 2018 at offering CUs$ Business % of total business loans outstanding at offering CUs

1.5%

Ag-

5.7%12.1%

Construction/Average loans/ $ Construction/ Ag-Unsecured relatedtotal loanssize Development

5.0%

developmentUnsecured related

$335,893 6.79% 4.1% 0.8%


(15)S

ection 1 -O



0.0 - 0.5 3.06 3.78 1.71 2.09 1.10 1.69 5.88 7.560.5 - 1.0 1.45 2.27 0.59 0.83 0.25 0.52 2.29 3.621.0 - 2.0 1.69 1.92 0.72 0.77 0.40 0.48 2.81 3.172.0 - 5.0 1.38 1.64 0.43 0.56 0.15 0.17 1.97 2.375.0 - 10.0 1.08 1.28 0.35 0.36 0.16 0.17 1.58 1.8210.0 - 20.0 0.86 1.02 0.22 0.25 0.15 0.10 1.23 1.3720.0 - 50.0 0.73 0.83 0.17 0.18 0.10 0.06 1.00 1.0750.0 -100.0 0.64 0.74 0.15 0.15 0.09 0.04 0.87 0.93100.0 - 200.0 0.57 0.74 0.14 0.12 0.08 0.03 0.79 0.89200.0 - 500.0 0.55 0.72 0.14 0.11 0.11 0.03 0.80 0.86500.0 - 1000.0 0.48 0.69 0.11 0.12 0.07 0.02 0.66 0.831000.0 and over 0.48 0.76 0.08 0.07 0.06 0.02 0.62 0.84

National total


0.87%

TotalNumberNumber Dollar

0.67%

Table 13Loan delinquency ratios (%)

Dollar Number

2-6 months delinquent Over 12 months delinquentDollar Dollar

0.50% 0.75%

6-12 months delinquentNumber

0.02%0.07%0.10% 0.09%

By asset size($ in millions) 2-6 months

0.0 - 0.5 0.00 9.16 0.00 9.16 2.63 1.32 0.87 4.820.5 - 1.0 0.00 2.05 0.00 2.05 0.67 0.33 0.10 1.111.0 - 2.0 0.00 0.00 0.00 0.00 0.85 0.38 0.27 1.502.0 - 5.0 1.51 1.44 0.00 2.95 0.47 0.19 0.06 0.725.0 - 10.0 1.32 0.60 0.08 2.00 0.38 0.12 0.07 0.5610.0 - 20.0 1.16 0.52 0.03 1.71 0.28 0.07 0.05 0.4020.0 - 50.0 1.02 0.36 0.05 1.43 0.23 0.05 0.04 0.3250.0 -100.0 0.90 0.23 0.03 1.17 0.21 0.05 0.02 0.28100.0 - 200.0 0.75 0.13 0.02 0.90 0.20 0.05 0.03 0.28200.0 - 500.0 0.88 0.13 0.02 1.02 0.23 0.10 0.10 0.43500.0 - 1000.0 0.87 0.10 0.01 0.98 0.15 0.06 0.05 0.271000.0 and over 1.27 0.06 0.00 1.33 0.18 0.03 0.02 0.23

National total


Total

Table 14Consumer loan delinquency ratios (%)

2-6 months 6-12 months

All other consumer loans

1.18%

Total6-12 months

0.27%0.19%

Dollar amount delinquentUnsecured credit card loans

Dollar amount delinquent

1.26%0.01% 0.04%

Over 12 monthsOver 12 months

0.04%0.08%


Section 1 -


(16)


0.0 - 0.5 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.000.5 - 1.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.001.0 - 2.0 0.00 1.47 0.00 1.47 0.00 0.00 0.00 0.00 5.64 1.78 0.00 7.42 0.00 0.00 0.00 0.002.0 - 5.0 1.36 0.00 0.26 1.62 0.56 0.00 0.00 0.56 3.34 0.00 0.52 3.86 2.12 0.12 0.00 2.255.0 - 10.0 1.25 0.51 0.15 1.91 0.02 1.12 0.00 1.14 1.19 0.44 0.33 1.96 0.08 0.09 0.00 0.1710.0 - 20.0 0.78 0.21 0.20 1.19 0.59 0.29 0.92 1.80 0.57 0.18 0.30 1.05 0.51 0.25 0.28 1.0420.0 - 50.0 0.58 0.14 0.14 0.85 0.84 0.23 0.16 1.24 0.69 0.25 0.23 1.18 0.38 0.15 0.16 0.7050.0 -100.0 0.50 0.13 0.14 0.77 0.66 0.19 0.18 1.03 0.50 0.16 0.20 0.87 0.45 0.13 0.17 0.74100.0 - 200.0 0.44 0.13 0.13 0.70 0.53 0.21 0.15 0.88 0.43 0.10 0.15 0.68 0.34 0.10 0.09 0.53200.0 - 500.0 0.36 0.09 0.11 0.56 0.46 0.11 0.11 0.68 0.41 0.12 0.14 0.67 0.33 0.11 0.12 0.55500.0 - 1000.0 0.30 0.07 0.09 0.46 0.53 0.11 0.11 0.75 0.33 0.09 0.08 0.51 0.32 0.08 0.06 0.461000.0 and over 0.22 0.07 0.07 0.36 0.55 0.18 0.11 0.83 0.32 0.08 0.13 0.54 0.25 0.08 0.08 0.42

National total

Low income 0.32 0.08 0.08 0.49 0.45 0.14 0.11 0.70 0.44 0.12 0.15 0.71 0.30 0.09 0.07 0.46Federally chartered 0.28 0.09 0.10 0.46 0.39 0.10 0.13 0.62 0.38 0.10 0.17 0.66 0.29 0.10 0.12 0.52State chartered 0.24 0.06 0.06 0.37 0.67 0.22 0.10 0.98 0.34 0.10 0.08 0.52 0.27 0.07 0.05 0.39

2-6 6-12 Over 12months

2-6months months Total months months months

Dollar amount delinquentFirst mortgage fixed rate/hybrid/balloon First mortgage adjustable rate

Over 126-12 Over 12

Table 15Real estate loan delinquency ratios (%)

Dollar amount delinquent Dollar amount delinquentOther RE fixed rate/hybrid/balloon

Dollar amount delinquentOther RE adjustable rate

Total months Totalmonths months

0.37% 0.10%0.11% 0.82%

2-6 6-12 2-6 6-12

0.28% 0.09%

months monthsOver 12

0.55% 0.17%

months Total

0.09% 0.46%0.13% 0.60%0.08% 0.42%0.26% 0.07%


0.0 - 0.5 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.000.5 - 1.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.001.0 - 2.0 0.00 0.00 0.00 0.00 1.38 0.00 0.00 1.38 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.002.0 - 5.0 0.06 0.00 0.00 0.06 0.00 0.00 0.00 0.00 5.44 0.00 0.00 5.44 0.00 0.00 0.00 0.005.0 - 10.0 1.33 0.17 0.07 1.56 0.51 0.12 0.00 0.63 0.75 0.84 0.20 1.78 0.00 0.00 0.00 0.0010.0 - 20.0 1.30 0.20 0.00 1.50 0.17 0.01 1.67 1.84 0.34 0.28 0.03 0.64 0.12 0.00 0.00 0.1220.0 - 50.0 0.90 0.16 0.04 1.09 0.68 0.04 0.46 1.18 0.25 0.26 0.96 1.46 0.08 0.00 0.00 0.0850.0 -100.0 0.73 0.12 0.03 0.88 0.70 0.13 0.37 1.19 0.84 0.19 0.19 1.22 1.25 0.30 0.04 1.59100.0 - 200.0 0.67 0.13 0.03 0.82 0.36 0.04 0.15 0.55 0.60 0.50 0.17 1.27 0.25 0.82 0.07 1.13200.0 - 500.0 0.63 0.10 0.02 0.75 0.81 0.28 0.27 1.36 0.72 0.41 0.52 1.65 0.62 0.39 0.02 1.03500.0 - 1000.0 0.56 0.09 0.01 0.66 0.46 0.26 0.47 1.18 0.45 0.29 0.38 1.12 0.61 0.69 0.18 1.481000.0 and over 0.47 0.06 0.02 0.55 0.50 0.11 0.18 0.79 0.25 0.11 0.21 0.58 0.23 0.51 0.73 1.48

National total

Low income 0.53 0.08 0.02 0.63 0.52 0.19 0.38 1.10 0.29 0.18 0.19 0.66 0.57 0.94 0.05 1.57Federally chartered 0.55 0.08 0.03 0.66 0.61 0.19 0.43 1.23 0.39 0.17 0.39 0.95 0.27 0.34 0.02 0.64State chartered 0.48 0.06 0.02 0.56 0.47 0.11 0.09 0.66 0.32 0.19 0.18 0.68 0.44 0.56 0.42 1.42

Dollar amount delinquent Dollar amount delinquent Dollar amount delinquent Dollar amount delinquent

Table 16Additional delinquency ratios (%)

Indirect lending Participation loans MBLs (excluding ag-related loans) Agricultural loans

Over 12 Over 122-6 6-12 Over 12 2-6 6-12months months months Total

2-6 6-122-6 6-12 Over 12months Total

0.25% 0.94%

months months

0.54% 0.15%

months Totalmonths months months Total months months

0.37% 1.32%0.35% 0.18% 0.27% 0.81% 0.42% 0.53%0.51% 0.07% 0.02% 0.61%


(17)S

ection 1 -O



0.0 - 0.5 5.64 95.93 0.00 0.00 0.00 0.00 0.00.5 - 1.0 2.61 113.89 0.02 0.08 0.00 0.26 12.11.0 - 2.0 2.48 88.15 0.07 0.20 0.00 0.18 11.12.0 - 5.0 1.69 85.73 0.17 0.41 0.00 0.25 14.25.0 - 10.0 1.14 71.91 0.48 0.64 0.00 0.28 15.110.0 - 20.0 1.01 82.20 0.79 0.85 0.01 0.21 18.420.0 - 50.0 0.89 88.90 1.90 1.63 0.02 0.21 19.250.0 -100.0 0.80 91.12 4.80 3.18 0.02 0.31 18.4100.0 - 200.0 0.83 104.18 9.01 6.31 0.02 0.23 16.5200.0 - 500.0 0.93 116.01 23.18 14.73 0.09 0.28 17.6500.0 - 1000.0 0.80 120.94 51.76 27.30 0.09 0.20 18.31000.0 and over 0.89 144.22 176.73 83.02 0.39 0.17 17.9

National total

Low income 0.85 124.30 15.58 9.19 0.04 0.23 18.6Federally chartered 0.99 135.87 13.17 7.22 0.02 0.18 17.8State chartered 0.77 125.09 21.00 11.04 0.08 0.20 17.9

chapter 13

131.02%

Allowance for loan lossas % of

Delinquentloans

due to

Number of

outstandingloans

Number of

per CUbankruptcies

chapter 7

per CUbankruptcies

Bankruptcy

Allowance for loan loss and bankruptcy

Number of % of $ NetLoan balances subject

0.19%

per CU

chapter 11 to bankruptciesbankruptcies

17.9%

charge off

Table 17

0.88% 16.18 8.68 0.04

total loansas % of

bankruptcy


0.0 - 0.5 0.00 1.65 34.50 1.23 0.00 0.00 0.00 0.000.5 - 1.0 0.05 0.97 38.89 0.69 0.98 0.00 0.00 0.001.0 - 2.0 0.01 1.15 46.21 0.75 -0.02 -0.02 0.22 0.002.0 - 5.0 0.04 0.92 42.58 0.62 0.79 0.01 -0.05 0.525.0 - 10.0 0.03 0.87 35.27 0.64 1.68 0.00 0.18 0.4810.0 - 20.0 0.04 0.67 35.01 0.50 1.57 0.03 0.13 0.1420.0 - 50.0 0.05 0.61 30.87 0.47 1.48 0.06 0.08 0.2650.0 -100.0 0.06 0.62 26.69 0.49 1.60 0.03 0.06 0.50100.0 - 200.0 0.09 0.63 27.98 0.49 1.62 0.04 0.05 0.33200.0 - 500.0 0.09 0.70 27.45 0.56 1.92 0.04 0.05 0.76500.0 - 1000.0 0.06 0.61 27.05 0.49 2.11 0.02 0.05 0.311000.0 and over 0.04 0.68 23.36 0.56 3.03 0.02 -0.02 0.19

National total

Low income 0.07 0.64 27.59 0.51 2.05 0.03 0.03 0.18Federally chartered 0.05 0.79 22.95 0.65 3.19 0.03 0.03 0.35State chartered 0.05 0.54 27.47 0.43 2.02 0.02 -0.02 0.25

1 Member business loan charged off includes ag-related business loans.

Annualized Chargeoffs (as a percent of period-end loans)

0.29%

Table 18Foreclosed and repossessed assets, chargeoffs

1st Mortgages

% Net credit card

$ charged off$ Charged off/

% Net 1st Mortgages

0.01%

$ Net MBLs

charged off1/

MBLs

% Net Other REcharged off/

Other RE loanscharged off/$ Recoveries/ charged offs/

0.02%0.54% 2.76%

$ Net chargedcredit card loansoff/ loans out

0.05%

assets

0.67%

$ loans out

24.76%

Foreclosed &repossessed assets/


(18)S

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0.0 - 0.5 25.5 49.7 99.3 95.2 16.6 45.5 1.4 0.7 0.70.5 - 1.0 30.9 56.9 94.3 95.1 15.4 47.2 4.9 1.6 0.81.0 - 2.0 42.2 72.7 95.2 89.8 19.8 58.8 1.6 1.1 1.62.0 - 5.0 57.7 78.1 93.6 91.0 18.0 73.2 3.1 0.7 3.35.0 - 10.0 79.3 88.9 84.6 91.1 19.3 85.5 2.7 0.4 3.810.0 - 20.0 91.2 93.5 80.5 88.1 16.3 86.1 3.8 1.0 9.920.0 - 50.0 96.7 94.3 72.6 85.3 18.9 87.1 4.7 1.5 32.350.0 -100.0 99.2 92.2 76.9 87.6 19.1 82.2 11.0 3.1 61.1100.0 - 200.0 99.8 89.5 83.8 85.6 17.6 79.3 12.8 5.2 79.3200.0 - 500.0 100.0 87.0 92.2 84.8 16.8 71.5 18.6 6.6 91.0500.0 - 1000.0 100.0 81.3 99.2 87.0 15.0 54.1 29.7 11.8 95.51000.0 and over 99.3 75.8 99.0 82.7 11.8 41.8 37.6 23.5 95.1

National total

Low income 90.0 89.0 83.6 87.6 17.4 76.0 9.1 4.0 40.0 Federally chartered 85.7 87.3 84.0 87.6 16.7 77.0 8.5 3.1 38.0 State chartered 89.3 85.4 85.5 87.4 18.9 74.4 12.0 5.3 47.4

Table 19Percent of credit unions holding various investments

Mutualfunds

Cashon

handGovernment

securities

FederalCash ondeposit in

corporate CUs

Cash ondeposit in other

Shares/depositsin corporate agency

securities

9.9% 3.9% 41.6%87.1% 76.0%86.6% 84.6% 87.5% 17.6%

Deposits in commercial banks

S&Ls & MSBsfinancial institutionsCash

equivalents central CUs


0.0 - 0.5 0.2 11.3 47.4 1.4 7.9 22.1 0.4 1.3 0.3 0.5 7.40.5 - 1.0 0.7 13.8 33.5 1.4 6.9 31.3 1.6 0.2 0.2 0.6 9.71.0 - 2.0 1.5 15.5 23.8 2.6 5.8 36.3 0.7 0.3 0.5 0.6 12.52.0 - 5.0 1.3 14.8 14.8 1.3 3.6 39.9 1.4 0.1 0.3 0.7 21.85.0 - 10.0 2.0 12.8 7.6 0.6 3.0 45.1 0.9 0.1 0.7 0.7 26.410.0 - 20.0 2.5 12.2 4.1 1.2 2.0 47.3 1.2 0.2 1.1 0.7 27.620.0 - 50.0 2.8 11.9 3.6 0.9 1.2 44.7 0.4 0.1 5.9 0.8 27.650.0 -100.0 3.3 12.0 4.3 1.4 1.0 35.0 0.9 0.1 15.7 0.9 25.4100.0 - 200.0 3.7 11.4 6.9 0.9 1.0 24.8 0.5 0.1 31.6 0.9 18.3200.0 - 500.0 3.7 8.8 11.0 1.1 0.8 13.0 1.4 0.4 45.7 0.7 13.5500.0 - 1000.0 3.5 5.3 16.4 1.3 1.0 5.6 2.1 0.4 54.1 0.4 9.71000.0 and over 2.5 1.9 22.4 1.3 0.2 0.7 7.2 1.0 51.9 0.1 10.8

National total


17.3%4.9%

(Items as a % of surplus funds)

Dep. in agencyShares/dep.

comm. banksCash

MutualGovernment

8.9%2.9%

On hand Fin. Inst. Equivalents

0.6%

corp CUs

1.2%

S&Ls & MSBsOther

13.3%

Table 20Distribution of surplus funds (=cash + investments)

Dep. inin corp

FederalDep. in Capital at

0.7%

central CUs

45.1%

securities investmentssecurities

4.8%

corporate

0.4%

funds


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0.0 - 0.5 84.2 13.0 2.1 0.4 0.3 0.7 3.0 4.9 91.5 98.9 0.00.5 - 1.0 78.4 17.2 4.1 0.2 0.1 0.0 0.5 6.3 93.2 93.6 0.01.0 - 2.0 73.6 21.0 4.1 1.1 0.2 0.0 2.6 7.3 90.1 96.8 0.02.0 - 5.0 67.7 25.7 5.4 0.8 0.4 0.0 1.2 12.0 86.7 99.4 0.05.0 - 10.0 57.3 33.5 7.7 1.1 0.4 0.0 1.4 12.1 86.5 99.2 0.110.0 - 20.0 53.3 34.4 10.7 1.4 0.2 0.0 3.2 15.6 81.2 98.7 0.020.0 - 50.0 50.6 34.3 12.3 2.2 0.5 0.0 9.8 15.9 74.3 101.3 0.450.0 -100.0 49.3 32.9 13.4 3.4 1.0 0.0 21.1 19.3 59.6 98.8 2.0100.0 - 200.0 48.5 29.0 16.3 5.3 0.9 0.1 38.7 17.1 44.1 98.5 5.5200.0 - 500.0 47.9 26.1 17.9 7.1 1.0 0.1 56.2 17.4 26.3 97.6 9.8500.0 - 1000.0 46.3 24.6 19.6 8.2 1.3 0.1 67.8 16.9 15.1 97.8 11.91000.0 and over 46.2 22.7 18.6 11.4 1.1 0.4 80.2 14.4 5.0 98.0 14.1

National total


Maturity of surplus funds Fair value

64.7%

Availablefor sale

FAS 115

47.1% 19.4%24.9%

5 - 10 yrs.

17.8%

3 - 5 yrs. of HTMHTM

9.1% 1.1% 0.3%

Table 21Maturity, FAS 115 classification, market value

10 yrs.Greater thanLess than

1 yr. Trading1 - 3 yrs.Non-FAS 115 HTM

FAS 115 classification of investments

98.2%

REMICSamort. cost

11.3%15.6%

CMOs &


0.0 - 0.5 0.1 3.9 0.2 92.3 0.0 3.5 1,0990.5 - 1.0 0.2 2.9 0.5 93.9 0.0 2.5 2,1861.0 - 2.0 1.4 5.7 0.4 88.0 0.7 3.7 2,7752.0 - 5.0 3.2 11.0 1.9 80.5 1.4 2.0 3,9555.0 - 10.0 8.3 10.6 2.7 73.5 2.5 2.4 5,06110.0 - 20.0 11.9 11.4 3.5 65.8 5.2 2.3 6,21020.0 - 50.0 15.2 12.4 5.5 55.6 9.2 2.0 7,49250.0 -100.0 17.5 13.9 6.2 48.5 12.1 1.8 8,119100.0 - 200.0 18.6 15.4 6.1 42.6 15.1 2.1 8,818200.0 - 500.0 19.1 17.0 6.0 38.6 17.1 2.1 9,353500.0 - 1000.0 19.4 17.6 6.0 35.8 19.3 1.8 10,1721000.0 and over 12.4 20.2 6.7 34.2 24.7 1.8 11,528

National total $10,475

Low income 17.0 18.9 6.3 35.5 20.0 2.3 9,345Federally chartered 13.6 20.3 6.6 37.4 20.2 1.9 10,160State chartered 15.7 17.2 6.2 36.2 23.0 1.8 10,820

Table 22Distribution of dollar amounts in savings accounts

per memberOtherTotal savings

Percent of total savings

Share drafts Certificates IRAs

1 Some credit unions sweep share draft balances into the regular share balances weekly to reduce reserve requirements. This causes a distortion (i.e. total share draft balances appear smaller than they otherwise would be) where the last business day of the month lands on Friday, as was the case in August and September 2018.

1.9%14.6% 18.8% 6.4%

Money marketsharesRegular shares

36.8% 21.6%


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0.0 - 0.5 410 8,200 9,487 1,017 0 1,5000.5 - 1.0 234 8,140 13,687 1,950 0 8,2611.0 - 2.0 1,210 12,764 8,346 2,290 19,190 3,7882.0 - 5.0 1,454 16,097 15,533 2,953 18,746 2,6945.0 - 10.0 2,001 16,359 16,632 3,480 26,304 3,42310.0 - 20.0 2,371 16,937 16,150 3,752 28,865 4,24520.0 - 50.0 2,691 19,069 17,068 3,693 33,345 3,85950.0 -100.0 2,965 20,968 17,004 3,559 34,240 4,353100.0 - 200.0 3,094 21,361 15,935 3,323 33,318 5,499200.0 - 500.0 3,264 24,946 16,025 3,256 34,033 6,604500.0 - 1000.0 3,376 26,456 16,251 3,307 36,057 5,1971000.0 and over 2,696 27,040 16,947 3,272 36,498 7,658

National total $2,897 $25,950 $16,708 $3,308 $35,977 $6,555

Low income 2,776 25,375 16,597 2,944 35,234 6,090Federally chartered 2,910 25,430 16,507 3,130 34,211 6,238State chartered 2,885 26,615 16,936 3,521 37,746 6,952

Share drafts Certificates IRAs shares & accountsshares shares

Table 23Average size of savings accounts

All otherRegular Money market


0.0 - 0.5 1.4 8.3 1.4 99.3 0.0 18.6 2.10.5 - 1.0 2.4 13.0 4.1 100.0 0.0 16.3 3.31.0 - 2.0 12.3 30.5 4.8 100.0 4.3 24.1 3.22.0 - 5.0 30.9 51.1 20.0 100.0 6.1 25.4 5.55.0 - 10.0 65.2 63.9 36.1 100.0 13.6 30.4 5.910.0 - 20.0 83.1 82.1 54.7 100.0 26.4 39.3 6.120.0 - 50.0 96.5 93.0 82.7 100.0 54.0 49.7 9.250.0 -100.0 99.0 96.9 92.1 100.0 75.0 54.9 15.3100.0 - 200.0 99.5 98.8 97.3 100.0 88.2 63.8 23.5200.0 - 500.0 99.8 99.2 98.8 100.0 90.8 68.9 37.9500.0 - 1000.0 100.0 99.2 99.6 100.0 93.5 68.3 56.51000.0 and over 99.0 98.7 99.3 100.0 95.4 75.8 62.1

National total


All othershares & accounts

48.1%

Regular shares

80.0% 81.4% 68.6% 51.7%100.0%

Borrowings

17.5%

Table 24Percent of credit unions using various types of funding sources

IRAsMoney market

sharesShare drafts Certificates


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0.0 - 0.5 62.1 0.0 9.6 8.0 6.5 13.8 0.7 29.00.5 - 1.0 74.7 0.0 10.7 7.2 1.4 6.0 0.8 48.01.0 - 2.0 68.3 0.0 12.1 10.1 3.3 6.2 0.5 52.42.0 - 5.0 70.5 0.0 13.3 8.9 2.8 4.5 0.9 64.55.0 - 10.0 65.9 0.0 16.0 12.1 5.2 0.7 0.9 73.610.0 - 20.0 62.0 0.1 17.2 13.3 6.6 1.0 1.4 83.120.0 - 50.0 59.8 0.0 15.4 15.3 8.8 0.7 1.8 90.450.0 -100.0 59.3 0.0 13.4 15.9 10.9 0.5 2.3 95.2100.0 - 200.0 60.9 0.0 10.5 16.1 12.0 0.6 2.5 95.9200.0 - 500.0 60.9 0.0 9.4 15.5 13.5 0.7 3.2 98.4500.0 - 1000.0 61.7 0.1 8.6 15.1 14.0 0.7 3.7 99.61000.0 and over 64.5 0.0 9.0 9.9 16.1 0.5 5.2 99.3

National total


positive otheroperating income

Investmentincome

Feeincome

operatingincome

Non-operatingincome

Table 26Income items as a percent of total income

Percent of total income

% of CUs % of CUs withOtherOperating income items

84.6%63.3% 0.0% 9.5% 11.9% 14.8% 0.6% 2.0%

giving interestrefund

Total loaninterest

Loan interestrefund


0.0 - 0.5 5.7 29.0 9.0 92.3 0.0 16.6 4.70.5 - 1.0 6.5 24.1 13.1 93.7 0.0 14.2 7.11.0 - 2.0 10.0 18.8 7.1 87.9 14.2 15.6 5.42.0 - 5.0 9.3 20.8 8.4 80.3 22.6 7.6 3.25.0 - 10.0 12.1 16.3 7.1 73.3 17.1 7.9 3.610.0 - 20.0 13.9 13.7 6.3 65.7 18.1 5.6 2.620.0 - 50.0 15.6 13.3 6.6 55.4 16.4 4.0 3.150.0 -100.0 17.5 14.3 6.6 48.2 15.8 3.3 3.7100.0 - 200.0 18.5 15.4 6.2 42.1 16.8 3.2 4.9200.0 - 500.0 18.7 16.7 6.0 37.8 18.3 3.0 5.6500.0 - 1000.0 18.6 17.1 5.7 34.4 19.9 2.6 6.91000.0 and over 13.1 19.2 6.3 32.2 24.5 2.2 8.8

National total


8.1%35.1%

shares

6.2%

shares & accountsAll otherMoney market

Table 25Funding sources

(Items as a percent of total funding at using credit unions)

Share drafts Certificates Borrowings

15.0%

Regular shares

18.1% 22.5%

IRAs

2.4%

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0.0 - 0.5 97.7 9.5 4.7 0.0 -12.1 55.90.5 - 1.0 94.2 8.4 6.5 0.1 -9.3 59.31.0 - 2.0 81.9 6.4 6.6 0.1 5.0 66.82.0 - 5.0 79.7 8.3 6.9 0.1 5.1 75.25.0 - 10.0 77.4 7.4 7.8 0.1 7.3 78.410.0 - 20.0 77.0 6.5 7.0 0.1 9.4 87.220.0 - 50.0 75.2 6.0 6.8 0.1 11.9 91.750.0 -100.0 74.1 6.0 6.9 0.2 12.7 94.8100.0 - 200.0 72.2 6.8 7.2 0.4 13.3 95.7200.0 - 500.0 69.7 7.6 8.0 0.8 13.9 98.2500.0 - 1000.0 66.8 7.4 8.5 1.4 15.8 97.21000.0 and over 54.9 9.5 11.9 2.5 21.1 100.0

National totalLow income 64.4 7.9 8.9 1.3 17.4 86.6Federally chartered 58.8 10.2 10.5 2.3 18.2 86.5State chartered 62.0 7.0 10.5 1.5 19.0 90.5

net incomeOperating


Table 27Distribution of total income

Interest on% of CUs with

positive forloan loss Net incomeexpenses

Dividends,interest

on savings borrowings

Provisions

60.3% 8.7% 88.0%10.5% 1.9% 18.6%


Section 1 -


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0.0 - 0.5 33.1 1.0 8.2 34.8 0.90.5 - 1.0 48.1 0.6 5.6 22.7 0.41.0 - 2.0 50.9 0.7 5.6 24.4 0.62.0 - 5.0 54.6 0.9 4.3 21.4 0.85.0 - 10.0 51.4 0.8 4.8 22.5 1.110.0 - 20.0 49.3 0.8 5.9 21.5 1.620.0 - 50.0 47.4 1.0 6.4 20.2 2.350.0 -100.0 47.8 1.1 6.7 18.5 2.8100.0 - 200.0 49.3 1.2 6.7 18.8 3.2200.0 - 500.0 50.4 1.2 6.9 19.2 3.6500.0 - 1000.0 51.6 1.2 6.9 18.3 3.81000.0 and over 51.9 0.8 6.4 18.2 4.3

National total

Low income 51.2 1.1 6.6 19.0 3.9Federally chartered 51.1 0.9 6.3 18.3 3.8State chartered 51.3 1.0 6.8 18.7 4.0

51.2% 1.0%

Travel,conferencefringes

3.9%6.5% 18.5%

Officepromotionaloccupancy operations

Table 28aDistribution of operating expenses - part I

(Items as a percent of total operating expenses)

Educational,OfficeCompensation,


0.0 - 0.5 2.3 11.9 1.0 1.6 5.20.5 - 1.0 2.8 10.0 0.8 1.3 7.81.0 - 2.0 3.2 8.4 0.5 2.0 3.82.0 - 5.0 2.8 10.1 0.2 1.1 3.85.0 - 10.0 3.7 11.0 0.3 1.0 3.410.0 - 20.0 4.9 12.0 0.1 0.9 3.020.0 - 50.0 6.0 13.2 0.1 0.8 2.750.0 -100.0 6.7 13.5 0.1 0.7 2.2100.0 - 200.0 7.3 10.6 0.0 0.6 2.3200.0 - 500.0 6.8 8.7 0.0 0.6 2.7500.0 - 1000.0 6.7 8.7 0.0 0.5 2.31000.0 and over 7.3 6.9 0.0 0.4 3.9

National total


Table 28bDistribution of operating expenses - part II


OtherMember OperatingLoan Professional &insurance feesservicing

3.3%7.0% 8.1% 0.0% 0.5%

outside services expenses


Section 1 -


(24)

By asset size Credit Other($ in millions) cards unsecured

0.0 - 0.5 14.0 11.3 5.3 7.2 3.9 0.00.5 - 1.0 9.3 11.0 4.2 6.8 0.0 8.21.0 - 2.0 11.8 11.8 4.8 6.8 0.0 6.22.0 - 5.0 11.0 11.7 4.4 6.2 0.0 5.85.0 - 10.0 11.1 11.6 4.1 5.7 4.0 5.110.0 - 20.0 11.1 11.2 3.9 5.2 3.7 4.820.0 - 50.0 10.8 11.0 3.8 5.0 4.5 4.850.0 -100.0 10.7 10.9 3.8 4.9 4.5 4.6100.0 - 200.0 10.5 10.9 3.8 4.8 5.1 4.6200.0 - 500.0 10.5 10.8 3.7 4.4 4.0 4.5500.0 - 1000.0 10.7 11.1 3.7 4.3 4.5 4.61000.0 and over 11.4 11.6 3.5 4.1 3.6 4.4

National total 11.1% 11.4%

Low income 10.7 11.3 3.9 4.6 4.3 4.6Federally chartered 11.8 11.7 3.4 4.2 3.5 4.3State chartered 10.5 11.0 3.7 4.3 3.9 4.5

First

3.6% 4.2%

mortgage

4.4%

Used

Table 29Average rates charged on loans(During the last week of September 2018)

AutoLeases

3.7%

New

By asset size Money market Certificates($ in millions) Regular shares Share drafts IRAs shares 1 yr maturity

0.0 - 0.5 0.7 0.2 1.0 0.0 0.90.5 - 1.0 0.5 0.1 0.6 0.0 1.11.0 - 2.0 0.8 1.0 0.6 0.3 0.82.0 - 5.0 0.4 0.1 0.6 0.3 0.85.0 - 10.0 0.5 0.2 0.7 0.3 0.910.0 - 20.0 0.3 0.2 0.7 0.4 0.820.0 - 50.0 0.2 0.2 0.8 0.3 0.950.0 -100.0 0.2 0.2 0.9 0.4 1.1100.0 - 200.0 0.2 0.2 1.0 0.4 1.2200.0 - 500.0 0.2 0.2 1.0 0.5 1.4500.0 - 1000.0 0.2 0.2 1.1 0.5 1.51000.0 and over 0.3 0.3 1.2 0.6 1.8

National total 0.3% 0.3% 1.2% 0.6% 1.6%


Table 30Averages rates paid on savings(During the last week of September 2018)


(25)S

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0.0 - 0.5 45.4 82.0 1,402 0.05 0.18 3,952 0.66 2.48 2880.5 - 1.0 61.1 64.3 2,759 0.24 0.32 1,134 1.06 1.38 2621.0 - 2.0 57.1 64.1 3,384 0.59 0.40 731 1.43 0.97 3042.0 - 5.0 63.7 56.0 4,785 1.22 0.35 598 1.29 0.37 5675.0 - 10.0 60.1 56.5 6,007 2.35 0.32 521 1.23 0.17 99410.0 - 20.0 58.7 54.8 7,240 4.02 0.28 497 1.09 0.08 1,84120.0 - 50.0 61.9 49.1 8,635 8.59 0.26 438 1.45 0.04 2,58650.0 -100.0 67.0 42.4 9,323 19.33 0.27 399 2.60 0.04 2,964100.0 - 200.0 75.3 33.4 10,136 39.03 0.28 357 4.05 0.03 3,447200.0 - 500.0 80.5 28.8 10,843 81.48 0.26 361 7.25 0.02 4,054500.0 - 1000.0 85.6 25.7 12,039 162.42 0.23 362 12.43 0.02 4,7231000.0 and over 89.1 25.1 13,907 518.14 0.17 428 35.78 0.01 6,196

National total $12,479 52.03 0.20 405 4.65 0.02 4,526

Low income 87.3 24.2 11,036 49.25 0.24 376 4.62 0.02 4,009Federally chartered 85.0 28.6 12,247 43.38 0.20 413 4.04 0.02 4,432State chartered 85.4 26.3 12,735 65.92 0.20 396 5.64 0.02 4,634

memberborrowingsPer $1 mil.

85.2% 27.5%

Loans/

savings

Table 31Additional ratios and averages

Per $1 mil. Members/Members/Per PerSurplus funds/

Assets persavings andPTE

Full-time employees Part-time employees

FTE of assetscredit union credit unionof assets


0.0 - 0.5 0.9 5.5 13.1 0.7 0.0 0.0 0.7 0.0 1.4 0.0 0.0 0.0 2.1 0.70.5 - 1.0 1.0 9.8 25.2 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1.6 0.0 1.6 0.81.0 - 2.0 0.9 7.0 32.1 0.0 0.0 0.0 0.0 0.0 4.3 1.6 7.0 0.0 1.1 0.02.0 - 5.0 1.0 6.4 44.3 0.0 0.2 0.2 1.5 0.0 7.5 6.8 23.0 0.0 2.9 1.15.0 - 10.0 1.0 7.1 56.4 0.2 2.7 0.7 1.4 0.0 20.5 22.5 58.9 0.2 10.5 2.910.0 - 20.0 1.1 10.2 70.6 0.3 5.1 2.3 2.8 0.0 33.7 32.0 81.5 0.9 15.9 4.720.0 - 50.0 1.6 18.6 79.3 0.5 14.0 8.2 4.3 0.0 55.8 50.8 95.8 4.5 23.6 7.050.0 -100.0 2.5 28.7 87.8 1.4 26.6 20.5 8.5 0.0 75.8 64.5 98.6 12.3 37.1 9.3100.0 - 200.0 3.8 37.1 92.2 1.1 46.2 37.1 12.8 0.7 84.1 74.3 99.3 20.7 51.0 13.2200.0 - 500.0 6.5 41.5 92.8 2.8 62.3 56.5 18.4 1.6 87.8 81.6 99.8 32.1 69.5 14.8500.0 - 1000.0 10.7 45.1 93.9 3.3 82.9 79.3 24.0 1.6 95.1 87.8 100.0 42.3 82.5 19.11000.0 and over 23.4 44.8 95.1 7.5 92.8 90.8 40.5 5.9 92.2 83.0 99.7 61.8 94.8 20.3

National total 3.8

Low income 3.8 23.6 78.4 0.9 27.0 22.1 9.5 0.5 57.6 48.9 81.1 13.1 33.6 9.6Federally chartered 3.2 20.0 72.6 1.1 22.0 17.6 6.1 0.6 49.2 44.7 75.8 9.4 28.3 7.8State chartered 4.7 26.0 75.3 1.6 32.5 28.8 13.1 0.6 59.4 53.6 82.0 18.3 40.3 8.8

1 Average number of branches per credit union excludes main office.

Directbased

Branch information and service offeringsTable 32

% of Credit Unions offering

Approved Overdraft ATM/Debtproviding

Agreements

RiskOverdraft

% of CUsBorrowing

Mortgage Cancellation/shared Mortgage RepurchaseAver. # of Debt

26.1% 21.9% 8.8%

Sellerper CU1 loansFinancingbranches

22.3% 73.6% 1.3%

Protectionbranches

0.6% 53.1%

Leases Processing Suspensioncard

32.9%

mortgagesLines ofCredit

48.1% 78.2%

program

8.2%

Interest BrokeredDeposits

Insurance/Investment

sales

12.8%

only first


Section 1 -


(26)


0.0 - 0.5 145 2.6 0.3 191 13.40.5 - 1.0 123 2.2 0.8 277 12.91.0 - 2.0 187 3.4 1.5 434 8.32.0 - 5.0 456 8.2 3.5 728 6.05.0 - 10.0 560 10.1 7.4 1,226 5.710.0 - 20.0 704 12.7 14.5 1,997 4.720.0 - 50.0 1,053 19.0 32.4 3,757 3.050.0 -100.0 707 12.7 71.9 7,713 2.9100.0 - 200.0 561 10.1 141.4 13,949 2.8200.0 - 500.0 499 9.0 318.6 29,385 3.2500.0 - 1000.0 246 4.4 707.1 58,730 3.21000.0 and over 306 5.5 3,083.2 221,706 4.6

National total 5,547 $262.7 21,048

Low income 2,572 46.4 204.3 18,508 4.1Federally chartered 3,418 61.6 219.1 17,894 5.1State chartered 2,129 38.4 332.5 26,112 3.0

100.0% 3.8%

($ in millions)in sample credit unions potential memberscredit union

Table 33aSample information

Number ofcredit unions Percent of Members/

Assets percredit union Members per


0.0 - 0.5 148 0.04 0.0 0.03 0.00.5 - 1.0 126 0.09 0.0 0.03 0.01.0 - 2.0 191 0.28 0.0 0.08 0.12.0 - 5.0 465 1.60 0.1 0.33 0.35.0 - 10.0 572 4.15 0.3 0.69 0.610.0 - 20.0 719 10.24 0.7 1.42 1.220.0 - 50.0 1,075 34.37 2.3 3.99 3.450.0 -100.0 722 51.15 3.5 5.50 4.7100.0 - 200.0 573 79.80 5.4 7.89 6.7200.0 - 500.0 509 159.96 10.9 14.79 12.6500.0 - 1000.0 251 174.99 11.9 14.57 12.41000.0 and over 312 949.18 64.8 68.42 58.1

National total 5,662 $1,465.84 117.75

Low income 2,625 528.52 36.1 48.01 40.8Federally chartered 3,489 753.58 51.4 61.69 52.4State chartered 2,173 712.26 48.6 56.07 47.6

Table 33bPopulation projections

Projected numberof credit unions ($ billions)

Assets

100.0% 100.0%

Percentof assets

Members(millions)

Percent ofmembers

Operating Ratios By Field of

Membership

First nine months 2018 operating ratios by type of membership

(30)S

ection 2 -O

perating ratios by type of mem

bership

Allowance for Fixed OtherBy type of membership Loans loan loss assets assetsCommunity urban/rural 73.0 0.5 0.8 21.7 2.1 3.0Associational 69.4 0.6 0.6 25.8 2.5 2.4

Religious 69.4 1.0 0.5 25.4 2.7 2.9Fraternal 62.2 0.5 0.5 34.5 1.4 1.9Other assoc.,incl low income 70.3 0.5 0.7 24.7 2.5 2.3

Single group occupational 67.8 0.9 0.5 27.8 1.4 3.4Educational 57.7 0.4 0.5 39.0 1.0 2.2Military 76.1 1.5 0.3 18.4 1.8 4.9Fed/local government 65.3 0.6 0.9 30.5 1.5 2.5Manufacturing 62.9 0.3 0.6 33.3 1.3 2.2

Chemicals 72.9 0.3 0.5 23.8 1.0 2.0Petroleum refining 69.5 0.4 0.4 26.2 1.9 2.4Primary/fabricated metals 66.6 0.7 1.1 29.2 1.9 1.8Machinery 82.4 0.4 1.1 12.9 2.0 2.0Transportation equipment 48.5 0.4 0.6 48.5 1.2 1.6Other manufacturing 47.9 0.4 0.5 48.0 1.4 2.5

Services 58.9 0.4 0.4 38.1 0.8 2.2Fin/ins/real estate/trade 52.3 0.4 0.2 45.5 0.3 2.2Health care 59.7 0.4 1.2 35.3 1.5 2.8Transportation 67.7 0.5 0.4 29.3 1.0 2.1Communication & utilit ies 51.8 0.3 0.4 45.2 0.9 1.9

Other single groups 70.0 0.3 0.4 25.1 1.8 3.1Multiple group occup, primarily 71.1 0.6 0.7 24.0 2.1 2.7

Educational 68.7 0.5 0.9 25.6 2.4 2.9Military 79.5 0.6 0.6 15.0 2.4 3.1Fed/state/local government 64.3 0.6 0.7 31.2 2.0 2.4Manufacturing 74.0 0.6 0.6 21.9 1.5 2.5

Chemical 61.7 0.7 0.6 34.4 1.8 2.2Petroleum refining 76.8 0.4 0.5 19.0 1.4 2.7Primary/fabricated metals 67.0 0.5 0.9 27.8 1.9 3.0Machinery 73.1 0.5 0.6 21.1 2.3 3.5Transportation equipment 83.1 0.7 0.6 13.0 1.3 2.7Other manufacturing 72.6 0.5 0.5 23.4 1.6 2.4

Services 70.7 0.9 0.7 25.0 1.7 2.8Fin/ins/real estate/trade 67.2 0.5 0.5 28.7 1.2 2.8Health care 60.3 0.4 1.1 34.4 1.9 2.8Transportation 69.5 2.7 1.0 25.6 2.3 4.2Communications/utilit ies 73.6 0.7 0.5 22.4 1.7 2.5

Faith-based 69.2 0.6 0.6 26.3 2.4 2.1Other multiple groups 71.9 0.7 0.9 22.9 2.4 2.6

National total 71.5% 0.6% 2.0% 2.9%1 Investments: Includes cash on deposit and cash equivalents.

0.7% 23.5%

Table 1Distribution of assets

(Items as a percent of total assets)

on hand Investments1Cash


(31)S

ection 2 -O


bership

Other Regular OtherBy type of membership Savings Borrowings liabilities reserves ReservesCommunity urban/rural 84.7 3.3 1.2 1.4 0.6 -0.4 9.1 10.7Associational 85.1 2.5 1.1 2.1 0.4 -0.4 9.1 11.3

Religious 86.6 1.0 0.7 2.4 0.4 -0.1 9.0 11.7Fraternal 85.5 1.4 1.0 0.9 0.1 -0.2 11.4 12.2Other assoc.,incl low income 84.7 3.1 1.2 2.2 0.5 -0.4 8.8 11.0

Single group occupational 80.4 6.7 1.2 1.5 5.4 -0.6 5.3 11.6Educational 84.9 2.3 1.2 4.9 0.1 -0.2 6.7 11.6Military 73.0 13.9 1.6 0.4 11.8 -0.8 0.1 11.4Fed/local government 86.3 1.6 1.0 2.0 0.7 -0.7 9.1 11.2Manufacturing 85.5 0.9 0.9 2.2 1.0 -0.3 9.7 12.6

Chemicals 86.6 0.0 1.2 3.0 0.1 -0.2 9.2 12.2Petroleum refining 86.2 0.0 0.8 2.0 5.1 -0.6 6.4 12.9Primary/fabricated metals 84.0 0.5 0.7 2.0 0.1 -0.6 13.2 14.8Machinery 82.8 6.2 0.8 1.1 3.8 0.0 5.2 10.2Transportation equipment 82.9 0.0 1.1 1.5 0.0 -1.8 16.3 16.0Other manufacturing 85.5 0.7 0.7 1.6 1.2 -0.3 10.6 13.1

Services 86.4 0.6 0.9 1.3 0.4 -0.4 10.8 12.1Fin/ins/real estate/trade 86.6 0.6 0.6 1.0 0.6 -0.4 10.9 12.1Health care 87.1 0.4 1.0 1.6 0.8 -0.4 9.5 11.5Transportation 87.4 0.0 1.2 1.2 0.1 -0.1 10.4 11.5Communication & utilities 83.4 2.1 0.6 2.3 0.3 -0.9 12.2 13.9

Other single groups 87.2 0.0 1.2 2.3 0.1 -0.4 9.6 11.6Multiple group occup, primarily 84.4 4.0 1.2 1.6 1.3 -0.4 8.0 10.4

Educational 85.3 2.9 1.4 1.7 0.5 -0.4 8.6 10.4Military 82.5 5.7 1.4 0.8 1.3 -0.4 8.8 10.4Fed/state/local government 87.7 1.2 1.1 2.6 1.4 -0.5 6.4 10.0Manufacturing 79.6 8.2 1.1 1.2 1.8 -0.4 8.4 11.0

Chemical 70.8 14.9 1.0 1.2 0.1 -0.4 12.5 13.3Petroleum refining 86.0 2.6 0.9 1.3 0.5 -0.2 9.0 10.5Primary/fabricated metals 86.6 1.4 0.5 2.2 0.5 -0.7 9.5 11.4Machinery 83.7 2.9 1.0 1.5 0.7 -0.1 10.3 12.4Transportation equipment 80.2 7.6 1.5 1.2 4.6 -0.3 5.3 10.7Other manufacturing 79.8 8.9 1.0 1.0 1.2 -0.4 8.5 10.3

Services 84.2 4.0 1.0 1.7 0.8 -0.4 8.7 10.7Fin/ins/real estate/trade 83.7 3.0 1.0 2.1 0.6 -0.3 9.9 12.2Health care 86.5 1.0 0.9 1.7 0.2 -0.3 10.0 11.7Transportation 84.2 3.6 1.1 1.9 0.3 -0.5 9.5 11.2Communications/utilit ies 83.8 4.8 1.1 1.6 1.0 -0.4 8.1 10.2

Faith-based 88.8 2.1 0.8 1.5 0.1 -0.3 6.9 8.2Other multiple groups 85.7 2.7 1.3 1.2 1.7 -0.5 7.9 10.3

National total 83.9% 4.1% 1.2% 1.5% 1.6%

Table 2Distribution of liabilities & equity


NetUndividedAccumulatedunrealized

-0.4%

capitalearnings

8.1% 10.8%

gains/losses


(32)S

ection 2 -O


bership

Loans Agricultural

Home held businessBy type of membership equity Other for sale loansCommunity urban/rural 3.8 3.1 14.6 22.5 0.5 40.6 5.6 3.2 0.3 5.8 0.6 7.9Associational 3.4 3.0 11.1 20.1 0.0 48.0 4.4 1.9 0.6 7.7 0.8 17.2

Religious 2.4 5.7 7.8 14.5 0.0 60.6 3.2 1.6 0.1 4.0 0.1 38.0Fraternal 1.6 4.7 8.2 9.5 0.0 54.1 4.5 4.3 3.4 9.7 0.1 22.4Other assoc.,incl low income 3.8 2.2 12.2 22.6 0.0 44.3 4.6 1.7 0.3 8.3 1.0 11.7

Single group occupational 13.9 6.5 11.8 15.7 0.0 42.4 3.3 2.3 0.9 3.2 0.0 1.7Educational 7.5 7.2 14.1 18.5 0.2 38.6 5.4 4.4 0.1 4.0 0.0 1.0Military 22.3 6.5 8.7 10.2 0.0 45.6 1.7 1.7 1.7 1.7 0.0 0.5Fed/local government 8.4 7.2 15.9 23.4 0.0 33.9 5.6 2.7 0.1 2.7 0.0 3.2Manufacturing 4.0 3.9 15.0 18.2 0.0 47.3 3.3 2.1 0.1 6.1 0.0 4.1

Chemicals 3.2 2.6 14.0 13.3 0.0 57.3 2.2 1.1 0.0 6.3 0.0 4.4Petroleum refining 2.2 7.2 29.9 24.4 0.0 13.9 0.0 4.1 0.0 18.4 0.0 0.0Primary/fabricated metals 3.5 6.1 11.0 27.2 0.0 40.2 1.8 3.8 0.0 6.5 0.0 0.0Machinery 4.8 3.4 12.6 18.8 0.0 47.9 4.6 3.7 0.2 4.0 0.0 2.3Transportation equipment 5.9 5.5 9.5 28.0 0.0 37.2 5.9 4.2 0.2 3.5 0.0 5.5Other manufacturing 5.2 5.6 17.8 22.9 0.0 35.7 4.8 2.2 0.1 5.8 0.0 5.3

Services 3.7 6.7 13.7 20.8 0.1 41.5 4.0 2.8 0.3 6.5 0.0 2.0Fin/ins/real estate/trade 2.2 8.0 7.9 15.1 0.2 46.1 4.9 2.1 1.0 12.4 0.0 1.0Health care 4.5 10.0 14.5 29.2 0.1 26.9 5.6 4.3 0.1 4.9 0.0 4.7Transportation 4.4 5.3 18.0 21.8 0.0 43.6 2.1 1.9 0.0 2.8 0.0 2.1Communication & utilities 4.0 5.9 12.6 23.6 0.0 35.1 6.4 5.9 0.0 6.5 0.0 2.0

Other single groups 4.5 6.2 12.1 15.0 0.0 50.0 4.7 1.6 0.0 5.8 0.0 7.6Multiple group occup, primarily 5.1 4.5 14.2 21.4 0.3 40.1 5.8 3.1 0.4 5.1 0.0 5.9

Educational 5.5 4.1 13.4 21.8 0.5 39.8 5.2 3.3 0.4 6.0 0.0 6.2Military 6.2 3.6 20.5 23.3 0.5 35.5 3.8 2.6 0.5 3.5 0.0 4.4Fed/state/local government 5.0 6.6 12.6 16.5 0.0 45.2 6.3 3.0 0.2 4.6 0.0 3.0Manufacturing 3.7 3.5 12.0 18.9 0.3 46.3 7.5 3.1 0.6 4.0 0.0 8.1

Chemical 4.6 4.2 9.9 19.5 0.0 35.9 15.0 5.1 0.2 5.6 0.0 8.4Petroleum refining 2.1 3.3 13.1 16.0 1.2 54.3 1.7 2.4 0.0 5.8 0.0 1.3Primary/fabricated metals 4.4 4.1 9.2 30.9 0.0 35.3 5.1 3.2 0.1 7.6 0.0 6.5Machinery 5.2 3.1 13.6 18.9 0.0 45.8 6.0 2.5 0.3 4.6 0.2 8.7Transportation equipment 4.1 2.7 11.8 20.2 0.3 49.7 4.7 2.4 1.4 2.7 0.0 12.8Other manufacturing 3.5 4.0 12.7 17.4 0.1 45.9 9.3 3.1 0.4 3.6 0.0 6.5

Services 5.3 4.7 12.6 23.4 1.1 35.2 5.7 5.1 0.3 6.6 0.0 8.2Fin/ins/real estate/trade 5.1 5.9 12.3 20.6 0.4 34.2 5.8 3.5 0.0 12.2 0.0 14.5Health care 4.0 7.9 14.2 25.1 0.0 30.5 7.7 6.7 0.0 3.9 0.1 3.0Transportation 4.0 7.0 13.9 29.3 1.2 24.9 2.6 3.4 0.0 13.6 0.0 12.1Communications/utilities 5.7 3.6 12.2 22.8 1.3 37.6 5.8 5.4 0.5 5.2 0.0 7.5

Faith-based 3.1 2.7 7.0 18.8 0.0 47.7 9.1 3.3 0.1 8.2 0.2 11.5Other multiple groups 5.2 4.2 12.6 27.7 0.0 34.1 6.3 2.5 0.3 7.1 0.1 7.5

National total 5.3% 0.4% 0.3%Columns 1-10 sum to 100%. Business loans are included in columns 1-10, as well as reported separately.

5.7%

OtherLeases First

4.1% 14.0% 21.1%

unsecuredCredit

40.8%0.4%

Table 3Distribution of dollar amounts in loans outstanding


OtherNew Used

Other

cardsbusiness

loans

6.5%5.2%3.0%

MortgageAuto


(33)

Loans

Credit heldBy type of membership cards for sale OtherCommunity urban/rural 79.7 99.8 99.0 99.7 2.2 91.6 72.4 81.4 17.3 70.2 13.7 56.5Associational 24.1 96.1 70.5 76.9 0.3 33.2 19.2 26.2 1.8 63.7 3.4 18.1








Services 66.0 100.0 98.5 98.8 1.5 65.3 50.6 62.1 3.9 83.6 2.2 22.2Fin/ins/real estate/trade 66.0 100.0 100.0 100.0 2.1 74.5 53.2 80.9 0.0 76.6 2.1 23.4Health care 61.7 100.0 98.4 99.2 0.0 53.1 51.6 51.6 4.7 87.5 3.1 16.4Transportation 61.9 100.0 97.6 97.6 1.2 63.1 32.1 52.4 1.2 90.5 2.4 17.9Communications/utilities 72.0 100.0 98.7 98.7 2.7 74.0 59.3 70.7 6.0 78.7 1.3 29.3


National total 61.5% 9.7% 75.9%96.9%95.7%99.4% 61.6%52.3%68.8%1.5%

Other


AgriculturalMortgageAuto

FirstOther

unsecured UsedNew Leases

33.9%

businessloans

business

6.7%

Homeequity Other loans

Section 2 -

Operating ratios by type of m

embership


(34)

Loans

heldBy type of membership for saleCommunity urban/rural 4.2 3.1 14.6 22.5 4.8 40.7 5.9 3.3 0.5 16.1 2.6 8.9Associational 3.6 3.0 11.2 21.2 6.5 49.7 5.4 2.1 1.2 17.4 6.7 19.6








Services 5.6 4.7 12.6 23.7 12.3 36.1 6.1 5.5 0.8 18.2 0.5 10.7Fin/ins/real estate/trade 5.5 5.9 12.3 20.6 20.0 34.7 7.1 3.6 0.0 30.1 1.6 23.3Health care 4.4 7.9 14.2 25.1 0.0 33.2 9.0 7.7 0.1 5.6 0.4 5.4Transportation 4.9 7.0 13.9 32.9 24.9 26.5 3.1 4.1 0.2 16.8 3.5 21.0Communications/utilit ies 5.9 3.6 12.2 22.8 11.3 38.0 5.9 5.6 0.9 21.9 0.4 8.9


National total 0.7%4.1% 14.0% 21.1%

Agricultural

businessloans

Mortgage

First

41.1% 5.6%5.1%

Leases loansequity Other Other

7.6%3.1% 11.1% 1.9%

Auto

Creditcards

Otherunsecured New

Other

Used

6.1%



businessHome

Section 2 -


embership


(35)

Other mortgageBy type of membership (incl. home equity)Community urban/rural 2.3 2.8 21.2 12.7 30.6 139.4 35.9 14.5 157.5 341.2Associational 2.1 3.5 19.8 11.6 0.5 175.2 32.0 16.1 88.4 335.8

Religious 1.8 5.1 19.3 11.3 0.5 233.8 36.1 10.9 279.5 522.9Fraternal 2.3 4.4 22.1 8.5 0.0 196.8 43.3 26.4 670.0 326.9Other assoc.,incl low income 2.2 2.8 19.7 11.9 0.0 159.8 30.1 16.1 86.9 265.3

Single group occupational 5.0 3.5 18.2 11.5 34.3 187.0 38.2 11.7 95.0 302.4Educational 3.2 3.2 13.5 9.6 34.2 178.2 45.7 15.4 0.0 436.9Military 6.3 3.3 21.8 11.8 0.0 243.4 39.7 9.0 0.0 412.7Fed/local government 3.4 3.8 18.4 12.5 12.0 135.8 37.0 8.9 57.0 356.9Manufacturing 2.2 3.0 19.3 11.5 0.0 117.8 26.7 15.1 119.2 297.2

Chemicals 2.3 3.5 18.6 10.6 0.0 118.0 28.1 15.7 376.6 536.4Petroleum refining 1.3 6.0 20.2 12.4 0.0 138.7 45.2 21.3 0.0 0.0Primary/fabricated metals 1.8 2.8 19.8 11.7 0.0 80.4 22.3 11.0 7.7 47.5Machinery 2.7 2.2 21.2 12.6 0.0 125.6 24.0 11.6 195.8 179.8Transportation equipment 2.6 2.3 6.3 7.0 0.0 119.7 31.9 16.8 77.5 360.1Other manufacturing 2.0 3.0 20.9 12.5 0.0 124.1 27.1 15.6 75.5 204.9

Services 2.4 4.1 15.4 10.9 35.6 174.5 39.3 14.0 127.4 172.5Fin/ins/real estate/trade 1.9 5.5 20.1 12.9 36.9 276.0 44.4 19.1 150.2 137.8Health care 1.9 3.1 12.8 9.1 27.1 135.1 36.5 7.4 0.0 370.5Transportation 3.1 3.7 14.9 10.8 0.0 159.6 37.6 14.5 102.4 556.1Communication & utilities 2.1 3.5 15.4 10.9 0.0 113.8 37.4 8.5 221.6 43.9

Other single groups 2.2 4.4 22.5 15.4 0.0 238.2 39.6 24.6 0.0 807.1Multiple group occup, primarily 2.5 3.1 20.4 12.7 30.7 155.6 37.2 13.4 232.8 406.1

Educational 2.4 2.6 19.1 12.3 29.6 146.3 32.8 13.1 269.9 434.1Military 2.8 2.8 21.4 14.0 31.7 183.4 40.5 12.3 569.6 559.2Fed/state/local government 2.6 4.2 19.3 12.0 24.5 133.9 37.8 11.3 291.7 391.3Manufacturing 2.4 3.2 21.8 13.4 32.0 211.2 38.4 13.0 208.2 545.2

Chemical 2.4 2.4 20.0 13.8 0.0 136.9 35.3 14.4 250.3 426.8Petroleum refining 2.5 4.6 24.8 15.2 31.8 203.9 40.9 15.7 0.0 291.0Primary/fabricated metals 2.1 2.5 20.9 12.2 34.5 120.7 34.8 10.3 57.2 243.9Machinery 2.8 3.9 15.2 10.3 0.0 129.6 38.1 15.2 232.1 329.6Transportation equipment 2.7 3.4 24.8 14.3 32.7 303.8 39.2 12.1 172.1 957.9Other manufacturing 2.1 3.4 20.7 12.7 31.2 214.4 40.0 12.4 198.5 420.7

Services 2.6 2.9 18.0 11.5 30.4 156.7 40.3 16.0 163.8 290.0Fin/ins/real estate/trade 2.5 2.9 20.9 11.4 23.3 196.6 48.0 18.0 153.0 115.1Health care 1.8 2.4 17.0 11.3 0.0 132.1 39.6 11.2 150.3 184.8Transportation 2.1 3.5 21.7 12.8 31.1 86.7 31.2 26.7 111.0 270.6Communications/utilit ies 2.7 3.1 17.4 11.4 30.8 168.7 40.4 14.1 192.9 576.8

Faith-based 1.4 1.6 20.6 11.9 0.0 126.1 41.0 13.0 159.2 161.7Other multiple groups 2.4 2.7 21.6 12.9 25.6 123.0 34.3 16.5 193.0 341.0

National total $20.4 $12.6 $30.7 $36.5

loansUsed LeasesFirst

mortgage

Table 6Average size of loans outstanding

($ in thousands)

businessbusiness

Auto

$2.9 $151.2 $13.8 $357.8$155.0$3.1

loans

Other

Creditcards

Otherunsecured New Other

Agricultural

Section 2 -


embership


(36)

By type of membershipCommunity urban/rural 16,187 9,150 0.57 15,222 3,254 0.21Associational 17,598 8,025 0.46 25,686 3,161 0.12

Religious 20,427 5,947 0.29 18,954 1,620 0.09Fraternal 24,375 7,435 0.31 20,205 2,097 0.10Other assoc.,incl low income 16,514 8,834 0.53 27,711 3,849 0.14

Single group occupational 13,736 8,592 0.63 11,055 4,105 0.37Educational 12,052 8,350 0.69 12,847 2,857 0.22Military 13,918 8,947 0.64 10,203 5,501 0.54Fed/local government 12,700 7,185 0.57 12,011 2,594 0.22Manufacturing 15,393 10,171 0.66 14,843 3,217 0.22

Chemicals 19,555 14,851 0.76 14,568 4,595 0.32Petroleum refining 13,668 8,369 0.61 21,067 2,544 0.12Primary/fabricated metals 12,110 6,658 0.55 14,090 2,162 0.15Machinery 15,423 12,324 0.80 23,288 4,064 0.17Transportation equipment 9,120 6,635 0.73 3,715 2,033 0.55Other manufacturing 12,525 7,165 0.57 15,357 2,300 0.15

Services 14,627 8,627 0.59 12,616 3,090 0.24Fin/ins/real estate/trade 19,446 9,160 0.47 14,084 3,413 0.24Health care 9,026 4,646 0.51 9,039 1,560 0.17Transportation 15,016 10,766 0.72 12,412 3,996 0.32Communication & utilities 12,549 7,733 0.62 14,134 2,340 0.17

Other single groups 17,852 14,931 0.84 19,391 5,561 0.29Multiple group occup, primarily 14,878 8,794 0.59 17,827 3,136 0.18

Educational 13,655 8,052 0.59 16,824 2,929 0.17Military 14,742 9,630 0.65 24,462 3,676 0.15Fed/state/local government 15,269 8,698 0.57 18,286 2,726 0.15Manufacturing 18,455 10,703 0.58 22,217 3,374 0.15

Chemical 14,777 9,480 0.64 19,556 2,806 0.14Petroleum refining 25,651 12,378 0.48 24,216 3,377 0.14Primary/fabricated metals 12,544 6,560 0.52 16,253 2,226 0.14Machinery 15,912 9,662 0.61 21,003 3,516 0.17Transportation equipment 20,950 12,174 0.58 23,658 4,103 0.17Other manufacturing 17,889 10,473 0.59 22,537 3,238 0.14

Services 13,662 7,698 0.56 12,055 2,504 0.21Fin/ins/real estate/trade 13,313 7,022 0.53 14,741 1,981 0.13Health care 10,458 5,517 0.53 7,815 1,713 0.22Transportation 12,680 6,749 0.53 12,128 2,068 0.17Communications/utilities 14,614 8,544 0.58 12,800 2,879 0.22

Faith-based 13,983 7,322 0.52 18,565 2,297 0.12Other multiple groups 13,473 7,883 0.59 14,617 3,614 0.25

National total $15,331 $8,921 0.58 $15,001 $3,339

member

Number of

member

Average loan

$ LoansLoans granted first nine months 2018

Table 7Loans outstanding and granted first nine months 2018

loans per

Number ofLoans outstanding

$ Loans

0.22

membersizeper loans per

memberloan persize

Section 2 -


embership


(37)S

ection 2 -O


bership

By type of membershipCommunity urban/rural 45.24 17.39 17,295 26.54 8.55 19,744 47.23 3.06 13,743Associational 4.66 16.35 15,456 3.37 3.85 17,714 12.95 2.18 14,382

Religious 2.56 2.60 16,174 3.08 3.23 13,322 9.74 6.10 14,098Fraternal 1.89 0.02 17,667 5.66 0.31 17,769 13.21 0.71 149,488Other assoc.,incl low income 8.70 21.52 15,436 2.90 4.42 18,774 17.39 1.43 13,926

Single group occupational 6.15 3.18 18,680 5.66 2.24 15,396 14.36 3.72 9,241Educational 8.40 6.59 18,635 5.88 1.45 19,278 12.61 4.08 4,115Military 5.88 0.00 3,914 0.00 0.00 0 17.65 0.50 1,422,488Fed/local government 5.32 10.08 19,852 5.11 5.37 18,339 13.19 4.68 9,180Manufacturing 5.44 7.80 18,977 5.10 1.24 10,940 13.61 2.69 7,127

Chemicals 7.69 7.24 18,522 12.82 0.42 2,726 30.77 2.67 6,253Petroleum refining 7.69 23.01 24,613 7.69 11.25 23,950 7.69 0.14 176Primary/fabricated metals 2.94 0.72 10,400 2.94 0.21 20,211 0.00 0.00 0Machinery 11.54 1.23 10,130 15.38 0.19 23,473 19.23 0.30 59,861Transportation equipment 8.33 12.74 17,683 8.33 11.12 112,118 25.00 11.63 4,366Other manufacturing 4.12 11.50 19,932 1.76 1.85 20,437 11.18 3.88 10,708

Services 6.23 0.94 10,472 6.75 6.77 13,597 17.14 13.01 10,653Fin/ins/real estate/trade 12.28 1.84 12,928 8.77 19.37 13,873 21.05 0.95 10,842Health care 8.62 2.50 14,193 9.48 3.80 37,127 20.69 8.20 5,013Transportation 1.18 0.05 19,613 4.71 0.14 20,004 14.12 25.43 12,131Communication & utilities 4.72 0.61 3,297 4.72 2.05 5,753 14.17 4.10 6,222

Other single groups 10.00 0.01 9,421 10.00 0.11 21,698 20.00 3.85 29,063Multiple group occup, primarily 19.40 14.29 17,739 16.33 6.77 19,872 30.21 2.57 12,653

Educational 19.52 14.73 16,433 14.71 4.58 20,462 34.53 2.95 12,724Military 58.82 28.85 19,077 45.10 2.77 19,340 56.86 2.10 17,514Fed/state/local government 16.02 9.19 18,316 14.99 3.89 17,633 27.91 3.05 10,762Manufacturing 22.55 9.90 16,696 16.91 9.38 22,029 25.22 1.89 14,669

Chemical 15.38 13.33 16,461 15.38 0.75 9,539 26.92 2.29 14,986Petroleum refining 17.07 15.37 23,367 17.07 1.70 20,179 34.15 1.83 10,242Primary/fabricated metals 18.92 3.42 13,857 10.81 18.25 16,662 18.92 1.28 5,986Machinery 29.17 11.31 14,146 20.83 1.21 2,601 25.00 1.94 4,270Transportation equipment 34.21 8.69 15,815 23.68 16.97 29,070 39.47 1.51 48,364Other manufacturing 23.45 8.55 15,704 16.55 8.59 19,027 20.00 2.13 15,114

Services 13.45 9.70 18,142 13.20 5.35 16,957 23.96 3.21 11,881Fin/ins/real estate/trade 27.66 7.51 17,112 19.15 1.88 11,661 29.79 5.74 15,202Health care 6.25 4.33 15,383 14.06 4.96 18,539 26.56 3.17 5,808Transportation 16.67 20.65 16,017 4.76 1.36 17,572 11.90 2.41 19,779Communications/utilities 13.33 9.39 19,328 15.33 6.50 17,098 26.67 2.95 12,843

Faith-based 17.24 5.58 13,238 13.79 8.22 13,825 24.14 3.21 16,052Other multiple groups 22.83 10.26 15,800 20.09 17.18 20,332 42.47 2.39 11,473

National total 14.22 $17,458 $19,512

Average

30.95% 2.97 12,332

offering per $ loans sizecredit unions arrangements loan credit unions

% of $ Point of sale Average % of

24.10% 16.30%

per $ loans sizeoffering per $ loans size offering

6.94

Table 8

credit unions loans loan% of $ Participation Average

relationships loan$ Outsourced lending

Indirect and participation loans outstandingIndirect loans

Point of sale arrangements Outsourced lending relationshipsParticipation loans


(38)

By type of membershipCommunity urban/rural 316 306 156 166 60 110 131 87.6 146.2 226.8 262.8 69.3 67.2 161.2Associational 107 135 139 61 27 130 134 92.4 184.2 328.8 350.0 205.4 81.7 128.8

Religious 64 48 145 24 15 104 50 93.0 227.2 463.0 552.6 51.1 73.9 135.4Fraternal 62 54 24 42 6 24 130 73.2 211.0 394.1 650.0 34.2 98.5 195.7Other assoc.,incl low income 153 217 161 83 38 168 195 95.3 176.1 274.7 278.1 234.7 82.7 111.8

Single group occupational 202 441 94 108 118 54 202 100.1 227.6 213.1 321.7 57.1 76.0 227.1Educational 132 227 58 58 7 112 17 110.5 229.9 221.4 341.7 128.1 54.7 63.0Military 4,116 16,016 278 165 0 20 11,036 110.1 268.4 489.1 595.9 0.0 264.4 351.6Fed/local government 165 187 49 93 125 46 136 87.1 172.3 212.4 324.7 36.2 92.5 103.6Manufacturing 152 266 141 72 297 46 211 86.3 136.9 140.1 220.8 56.4 62.3 134.0

Chemicals 507 1,366 253 203 1,030 14 254 100.6 133.7 146.8 222.3 49.8 81.8 60.1Petroleum refining 20 37 1 0 0 0 4 94.0 190.0 257.3 0.0 0.0 0.0 220.8Primary/fabricated metals 105 53 621 1 586 49 39 54.5 81.9 125.5 101.9 67.7 91.0 200.4Machinery 138 26 475 177 6 113 1,375 73.7 105.7 100.1 110.6 77.8 31.8 176.3Transportation equipment 156 44 46 25 0 30 80 70.7 132.0 211.4 267.0 0.0 61.3 316.7Other manufacturing 76 73 55 34 4 43 114 71.7 166.1 187.4 288.0 54.0 66.6 111.8

Services 127 162 102 147 22 44 63 106.5 181.1 229.0 316.3 166.5 83.2 198.5Fin/ins/real estate/trade 151 92 171 323 62 63 110 170.3 255.3 336.0 390.3 200.5 89.3 318.7Health care 45 19 51 14 5 12 45 78.0 176.0 195.2 293.1 255.3 42.2 196.8Transportation 384 571 228 236 7 64 8 102.7 172.9 175.1 280.5 352.5 215.4 146.2Communication & utilities 77 72 32 83 15 49 89 77.4 166.8 132.5 173.0 40.6 46.0 139.0

Other single groups 314 70 952 533 6 35 0 125.3 157.9 381.9 403.0 91.2 107.5 0.0Multiple group occup, primarily 287 239 152 146 43 124 429 88.1 172.4 266.5 354.8 164.5 73.5 171.3

Educational 270 283 181 135 57 151 72 88.8 160.0 222.9 340.8 61.3 62.3 190.9Military 1,194 877 225 261 64 237 1,023 85.9 196.2 336.7 388.7 238.6 67.5 303.7Fed/state/local government 287 168 90 127 41 97 1,459 78.1 166.7 287.4 321.2 326.0 62.5 135.5Manufacturing 246 233 237 205 40 97 66 104.7 219.2 315.0 441.9 93.4 110.6 328.2

Chemical 274 268 151 112 41 116 71 81.8 157.9 193.2 242.4 87.5 121.4 276.3Petroleum refining 265 407 262 222 4 41 33 103.8 248.1 270.1 295.6 119.1 108.4 227.7Primary/fabricated metals 118 85 180 38 321 52 30 71.5 143.0 378.7 293.3 36.9 34.7 86.2Machinery 331 111 306 182 7 69 42 75.6 138.4 202.7 275.9 37.7 26.7 257.4Transportation equipment 360 501 277 290 2 134 33 157.4 285.5 480.8 584.8 140.7 142.5 205.9Other manufacturing 221 163 239 234 37 96 112 102.6 195.9 295.7 454.2 136.2 100.1 404.2

Services 151 126 100 80 37 71 80 80.9 167.2 266.3 375.3 163.3 130.0 227.4Fin/ins/real estate/trade 74 113 40 56 3 18 15 85.7 213.2 335.3 389.0 156.9 170.6 274.2Health care 75 48 41 17 40 26 86 89.3 161.6 103.8 227.8 73.2 65.0 267.2Transportation 131 75 40 37 7 23 81 34.6 152.6 189.5 173.6 179.6 141.4 124.9Communications/utilities 231 196 179 137 58 142 117 90.4 162.3 286.1 399.2 212.8 133.9 250.2

Faith-based 76 91 99 98 12 51 101 89.4 126.3 183.5 139.1 151.0 65.6 170.9Other multiple groups 351 292 136 149 44 163 114 91.2 128.1 211.8 250.1 224.7 50.5 144.0

National total 61 109 $70.1 $172.3$169.6$89.1283 151 $294.2 $85.6233 $240.0149295

Fixed rate Balloon/Hybrid



First mortgages outstanding at offering CUsNumber per credit union Average loan size ($ in thousands)

Fixed rate Balloon/Hybrid Other Adjustable rate Other Adjustable rate<= 15yrs > 15 yrs <= 5 yrs > 5 yrs fixed rate <= 1 yr > 15 yrs <= 5 yrs> 1 yr <= 15yrs <= 1 yr > 1 yr> 5 yrs fixed rate

Section 2 -


embership


(39)


Community urban/rural 41 98 35 44 26 47 39 132.9 192.3 304.7 335.5 108.7 98.2 200.8Associational 48 97 37 17 11 51 29 108.8 209.9 311.3 405.3 170.6 108.4 145.6

Religious 67 21 23 10 6 65 23 53.8 254.0 491.9 687.6 39.4 45.7 164.5Fraternal 10 19 3 15 0 11 25 137.2 235.7 706.8 771.7 0.0 53.5 173.2Other assoc.,incl low income 54 156 51 19 13 50 33 146.8 206.3 271.7 305.9 200.9 147.4 132.0

Single group occupational 37 214 26 30 39 22 75 150.0 257.4 283.4 396.5 71.8 69.3 264.3Educational 22 77 23 21 0 63 4 146.2 277.1 355.6 456.9 0.0 61.2 35.0Military 1,436 7,328 77 22 0 9 2,870 168.3 274.5 578.1 2,586.7 0.0 439.8 364.7Fed/local government 24 57 10 24 39 10 25 121.1 199.8 302.6 368.2 52.4 133.7 105.7Manufacturing 27 100 38 15 80 9 86 146.2 171.0 157.9 286.6 80.0 56.3 137.5

Chemicals 73 324 64 37 186 3 125 195.9 160.8 163.0 335.3 73.2 84.6 53.6Petroleum refining 5 3 0 0 0 0 0 108.0 379.9 0.0 0.0 0.0 0.0 0.0Primary/fabricated metals 22 30 78 0 89 2 8 70.9 115.4 197.3 0.0 95.5 8.2 291.8Machinery 37 82 114 24 5 7 540 103.4 149.9 129.6 156.5 55.5 59.9 226.1Transportation equipment 21 25 14 6 0 27 8 75.8 181.1 243.0 406.0 0.0 40.1 375.8Other manufacturing 13 45 13 10 1 8 35 106.6 223.0 184.1 304.2 99.3 66.6 137.8

Services 19 40 26 44 5 17 18 152.5 232.6 336.0 377.3 168.2 36.1 271.2Fin/ins/real estate/trade 19 24 44 65 4 13 17 218.6 291.2 488.6 503.5 81.1 54.4 356.9Health care 9 6 16 43 3 7 27 123.7 232.6 331.3 99.1 650.0 33.0 358.2Transportation 45 134 54 72 10 15 9 162.6 232.3 233.8 476.5 190.0 87.8 32.1Communication & utilities 14 20 5 22 5 23 17 98.6 180.2 179.7 214.7 39.5 27.4 187.8

Other single groups 53 19 145 146 0 6 0 141.3 258.0 408.2 403.3 0.0 203.6 0.0Multiple group occup, primarily 53 87 30 43 33 68 97 127.9 219.3 402.6 468.8 267.3 82.3 197.6

Educational 41 103 32 44 21 41 31 143.3 203.7 325.8 418.9 190.7 79.8 153.4Military 184 309 44 69 57 179 121 119.5 245.7 571.0 500.1 530.3 57.4 316.8Fed/state/local government 45 54 17 32 12 27 278 121.5 218.9 443.8 440.4 453.5 156.2 179.3Manufacturing 37 85 49 62 17 32 29 166.4 264.1 492.4 604.7 108.9 147.5 410.3

Chemical 36 92 20 17 6 31 13 131.1 182.7 217.4 533.2 42.4 96.8 116.8Petroleum refining 38 82 63 57 0 22 12 130.2 290.4 360.8 453.8 0.0 43.0 228.8Primary/fabricated metals 20 40 68 24 47 36 4 110.3 226.7 565.1 337.2 51.6 52.6 165.8Machinery 53 94 118 54 0 8 13 116.0 179.3 265.7 330.6 0.0 70.2 147.1Transportation equipment 51 172 52 101 5 46 40 302.0 325.8 960.4 621.1 17.1 220.4 54.8Other manufacturing 34 65 45 79 16 31 46 141.9 277.2 375.8 682.9 140.3 130.9 566.5

Services 45 51 26 22 13 30 45 72.9 208.7 272.7 541.2 277.8 146.3 148.1Fin/ins/real estate/trade 13 21 8 7 3 6 9 98.1 308.0 425.7 486.0 89.0 214.0 93.8Health care 14 15 18 4 14 7 32 124.4 204.8 87.3 360.2 127.8 39.7 302.1Transportation 147 28 8 3 1 20 29 10.5 198.4 334.8 286.6 53.4 51.5 166.8Communications/utilities 34 81 44 43 16 58 68 156.6 203.5 294.3 559.4 370.5 175.0 118.6

Faith-based 9 24 22 21 130 144 22 125.6 175.3 215.1 204.2 228.9 43.4 113.3Other multiple groups 71 100 25 44 62 141 50 147.6 177.0 347.7 306.2 205.7 63.8 157.4

National total

fixed rate <= 1 yr

$147.9 $91.9 $205.9$132.0 $213.9 $328.0 $379.15945 106 33 42 29 50



First mortgages granted during first nine months 2018 by offering CUs

Average loan size ($ in thousands)Fixed rate Balloon/Hybrid Other

Number per credit union

<= 5 yrs > 5 yrs > 1 yr <= 15yrs > 15 yrs <= 5 yrs<= 15yrs > 15 yrs > 5 yrs fixed rate <= 1 yr > 1 yrAdjustable rate Fixed rate Balloon/Hybrid Other Adjustable rate

Section 2 -


embership


(40)

By type of membershipCommunity urban/rural 29.6 22.8 32.8 16.3 17.6 0.5 2.8 7.2Associational 33.3 14.9 29.9 29.7 12.1 0.4 4.4 8.6

Religious 42.1 13.1 17.7 52.2 8.6 0.0 3.0 5.3Fraternal 33.6 13.6 27.6 8.0 27.2 0.0 1.7 21.9Other assoc.,incl low income 31.2 15.7 34.2 25.7 11.0 0.6 5.2 7.7

Single group occupational 28.8 16.0 61.3 4.8 7.6 0.5 0.8 9.0Educational 22.3 22.0 60.8 6.5 8.2 0.0 2.1 0.4Military 34.7 9.5 77.5 0.4 0.9 0.0 0.0 11.7Fed/local government 22.1 25.7 47.1 4.9 13.2 0.8 2.0 6.3Manufacturing 29.7 22.3 42.9 10.6 6.4 3.1 0.9 13.8

Chemicals 41.7 24.2 59.5 5.5 5.4 3.0 0.1 2.3Petroleum refining 9.7 37.0 58.0 0.7 0.0 0.0 0.0 4.3Primary/fabricated metals 26.8 18.4 15.4 27.7 0.0 28.2 4.8 5.5Machinery 39.4 12.7 2.8 17.8 4.9 0.2 0.9 60.7Transportation equipment 18.1 37.6 13.0 11.0 7.6 0.0 2.1 28.7Other manufacturing 17.1 22.4 32.2 15.8 11.5 0.1 2.1 15.9

Services 24.4 21.4 35.0 11.9 24.6 0.7 1.8 4.7Fin/ins/real estate/trade 24.1 17.7 15.4 17.2 41.5 1.5 1.5 5.3Health care 16.0 28.4 19.1 22.5 9.5 1.0 0.9 18.7Transportation 29.5 21.8 52.4 8.0 16.1 0.1 1.5 0.1Communication & utilities 18.2 26.8 33.0 5.6 17.3 0.4 4.2 12.8

Other single groups 35.1 23.3 6.6 43.0 25.4 0.1 1.8 0.0Multiple group occup, primarily 28.5 20.4 29.2 12.2 15.1 0.5 2.4 20.2

Educational 27.4 22.5 37.4 16.3 16.0 0.3 3.0 4.6Military 28.2 18.2 29.9 8.2 10.2 0.6 1.7 31.2Fed/state/local government 29.0 16.8 18.9 6.1 9.5 0.6 1.2 46.9Manufacturing 34.3 18.7 32.1 17.6 24.4 0.3 2.3 4.8

Chemical 22.2 25.2 37.7 12.5 12.5 0.2 4.7 7.1Petroleum refining 41.7 17.3 50.9 16.0 13.2 0.0 0.7 1.9Primary/fabricated metals 23.6 28.1 33.0 25.1 8.1 1.5 1.3 2.8Machinery 33.5 29.9 17.2 29.7 20.0 0.0 0.6 2.6Transportation equipment 41.3 15.5 34.7 18.8 27.4 0.0 2.7 0.8Other manufacturing 33.3 18.2 23.4 16.5 30.3 0.5 2.1 9.0

Services 24.9 21.3 32.0 14.8 17.3 1.1 4.6 8.8Fin/ins/real estate/trade 23.0 15.0 46.4 12.9 19.2 0.1 2.0 4.4Health care 18.4 30.0 33.9 5.5 5.8 1.8 1.9 21.1Transportation 17.3 21.9 39.3 9.9 7.1 0.5 5.7 15.6Communications/utilities 27.6 21.0 29.2 16.7 19.5 1.2 5.2 7.2

Faith-based 33.0 20.5 27.9 18.8 15.3 1.2 2.9 13.4Other multiple groups 24.5 30.5 31.1 12.9 14.4 0.8 3.3 7.1

National total



First mortgages outstanding at all CUs

% of outstanding with First mortgage/ Fixed rate Balloon/Hybrid Other Adjustable rate

29.1% 20.8% 35.8% 13.4%

> 5 yrs fixed rateassets <= 15 yrs <= 5 yrs> 15 yrs

2.4% 12.0%15.1% 0.5%

> 1yrs<= 1yrs

Section 2 -


embership


(41)


Community urban/rural 7.4 15.0 44.0 13.5 15.7 1.0 4.1 6.7 30.2Associational 9.4 17.2 48.7 16.1 7.1 0.3 5.8 4.9 44.2

Religious 7.2 25.9 21.7 30.1 9.9 0.1 6.7 5.7 42.0Fraternal 6.5 15.2 33.3 6.3 25.1 0.0 0.9 19.1 21.7Other assoc.,incl low income 10.3 15.9 54.4 14.6 5.2 0.3 6.0 3.6 46.5

Single group occupational 8.1 9.4 73.0 3.4 5.3 0.4 0.6 7.9 40.5Educational 5.1 13.4 64.3 8.7 9.4 0.0 4.1 0.1 13.9Military 12.4 6.1 84.3 0.4 0.5 0.0 0.0 8.8 52.3Fed/local government 4.0 17.9 56.9 4.6 13.5 1.4 1.9 3.9 25.6Manufacturing 6.9 17.7 50.0 9.2 4.8 3.3 0.3 14.7 16.1

Chemicals 8.5 22.7 60.4 4.6 3.5 3.9 0.0 4.8 5.0Petroleum refining 1.3 54.2 45.8 0.0 0.0 0.0 0.0 0.0 0.0Primary/fabricated metals 5.9 12.3 28.0 24.8 0.0 27.4 0.0 7.5 29.7Machinery 13.1 11.3 23.0 16.6 2.8 0.2 0.2 45.9 22.9Transportation equipment 4.5 14.2 40.5 15.5 11.1 0.0 4.9 13.7 29.2Other manufacturing 4.1 12.8 55.0 9.6 9.7 0.0 0.8 11.9 30.8

Services 4.1 15.2 38.3 12.8 26.5 0.4 0.8 6.0 13.7Fin/ins/real estate/trade 3.8 12.2 18.4 20.7 43.6 0.1 0.5 4.6 9.8Health care 4.0 20.1 18.3 19.2 10.4 2.0 0.5 29.5 12.2Transportation 5.0 15.4 57.5 8.3 18.1 0.3 0.3 0.1 16.8Communication & utilities 3.0 18.1 34.2 3.7 26.6 0.3 4.0 13.2 13.2

Other single groups 6.9 13.5 14.5 35.4 35.2 0.0 1.5 0.0 8.4Multiple group occup, primarily 6.8 15.7 42.4 10.1 15.0 1.7 2.9 12.3 30.6

Educational 7.1 15.6 52.1 10.3 15.3 0.8 2.2 3.8 35.9Military 6.6 14.8 48.6 8.2 10.8 3.0 2.7 11.9 38.1Fed/state/local government 5.6 14.1 31.9 6.1 9.5 0.6 1.9 35.9 21.2Manufacturing 8.4 12.9 39.8 16.0 24.1 0.2 1.9 5.0 27.6

Chemical 4.8 17.4 56.9 6.7 17.1 0.0 0.9 0.9 27.9Petroleum refining 7.7 12.8 45.5 21.6 17.7 0.0 0.3 2.2 9.2Primary/fabricated metals 6.8 14.8 42.2 32.5 6.9 1.0 1.6 0.9 24.3Machinery 10.5 18.7 42.6 23.8 13.5 0.0 0.4 0.9 41.9Transportation equipment 10.7 13.7 37.2 21.4 24.5 0.0 2.8 0.3 23.4Other manufacturing 8.3 10.4 36.1 9.4 29.8 0.5 2.0 11.8 34.3

Services 6.0 15.3 44.9 10.0 17.6 1.8 3.8 6.6 30.4Fin/ins/real estate/trade 3.6 13.0 52.6 15.1 15.8 0.2 1.2 2.1 18.9Health care 3.7 21.4 39.8 6.1 6.1 3.5 0.9 22.2 22.6Transportation 3.6 20.5 47.8 9.9 2.9 0.0 3.7 15.2 11.8Communications/utilit ies 7.2 14.5 44.5 10.0 20.0 1.9 4.3 4.7 33.5

Faith-based 8.3 8.1 25.6 14.8 11.9 30.9 4.3 4.3 41.1Other multiple groups 7.1 24.1 40.3 8.3 12.2 3.0 6.3 5.8 32.0

National total

Adjustable rate<= 1yrs

granted/% of granted with

7.3%

> 15 yrsassetsBalloon/Hybrid

10.7%

Fixed rate

14.4% 8.7%



First mortgages granted during first nine months 2018 by all CUs

sec market first<= 15 yrs

% sold in

fixed rate

First mortgageOther

32.3%

> 1yrs

1.1% 3.2%48.4%

> 5 yrs<= 5 yrs

13.5%

nine months 2018

Section 2 -


embership


(42)

Fixed Fixed Fixed FixedBy type of membership rate rate rate rateCommunity urban/rural 236 567 37.0 35.6 67 219 49.8 32.5Associational 68 247 32.7 31.6 22 76 40.8 51.0

Religious 22 93 47.4 33.0 7 30 42.7 38.6Fraternal 69 100 23.4 56.2 20 34 34.1 43.1Other assoc.,incl low income 101 399 32.5 29.2 35 116 41.2 53.6

Single group occupational 158 297 37.0 39.0 52 167 49.2 32.0Educational 126 256 45.2 46.0 62 86 57.8 57.7Military 5,333 4,455 38.8 40.5 1,799 5,004 49.1 21.7Fed/local government 105 276 34.9 38.1 34 98 47.4 38.4Manufacturing 97 205 27.1 26.8 28 99 36.0 31.0

Chemicals 205 281 26.0 29.8 41 291 38.2 19.5Petroleum refining 47 1 45.3 25.1 6 0 49.2 0.0Primary/fabricated metals 150 61 26.2 20.5 32 9 40.8 24.2Machinery 262 349 22.1 24.7 84 74 26.9 37.2Transportation equipment 76 262 34.7 30.7 17 71 61.9 40.8Other manufacturing 46 181 30.4 26.2 13 71 43.1 44.5

Services 71 185 34.5 41.1 21 86 49.6 39.8Fin/ins/real estate/trade 58 407 32.8 45.9 19 147 46.7 53.8Health care 46 80 36.7 36.6 16 22 55.2 39.3Transportation 178 250 31.6 40.2 53 219 46.9 25.8Communication & utilities 58 149 37.1 37.5 16 59 49.3 41.8

Other single groups 104 428 47.2 37.5 42 212 66.6 23.6Multiple group occup, primarily 229 578 38.3 36.9 70 213 52.0 37.9

Educational 228 536 37.0 31.1 68 162 48.9 35.4Military 985 1,561 40.3 40.8 214 507 55.2 51.8Fed/state/local government 194 582 39.3 37.4 55 185 55.5 44.2Manufacturing 213 766 35.9 39.5 58 163 53.5 60.9

Chemical 302 1,471 41.8 33.7 98 178 58.2 58.7Petroleum refining 167 213 41.3 40.6 36 52 53.6 83.0Primary/fabricated metals 62 197 39.4 32.8 31 199 54.6 13.5Machinery 102 335 33.8 39.8 31 76 43.4 86.8Transportation equipment 366 1,017 33.2 42.5 90 246 46.5 60.2Other manufacturing 214 775 33.4 42.5 46 159 55.5 71.2

Services 164 260 41.7 40.0 58 152 54.8 20.6Fin/ins/real estate/trade 68 185 51.5 46.4 18 77 56.1 34.6Health care 88 140 41.2 38.9 29 56 59.7 34.3Transportation 79 104 34.1 30.2 31 31 47.8 49.8Communications/utilit ies 276 421 41.8 40.2 98 270 54.6 16.7

Faith-based 49 228 49.5 39.3 20 84 65.8 39.2Other multiple groups 227 653 34.4 34.4 99 391 44.4 26.5

National total 217 522 $37.4 $36.3 65 206 $50.5 $34.5

raterate

Table 10aAll second mortgages including home equity


Second mortgages outstanding at offering CUs Second mortgages granted first nine months 2018 by offering CUs

Average loan size ($ in thousands)Number per credit unionAdjustableAdjustable

Number per credit union Average loan size ($ in thousands)


rate

Section 2 -


embership


(43)

By type of membershipCommunity urban/rural 6.4 30.1 3.4 2.9 63.6 2.0 28.7 2.2 3.9 65.2Associational 4.3 22.4 4.9 2.6 70.0 1.5 13.7 1.4 4.6 80.3

Religious 3.3 27.9 3.3 1.6 67.3 0.8 21.5 1.3 1.8 75.3Fraternal 5.5 21.2 27.2 0.0 51.5 1.1 15.2 11.1 0.0 73.8Other assoc.,incl low income 4.4 21.6 1.5 3.3 73.6 1.8 12.7 0.6 5.2 81.4

Single group occupational 3.8 35.7 4.3 1.7 58.3 1.2 29.2 1.8 2.5 66.4Educational 5.7 35.0 9.5 0.4 55.1 2.0 36.3 0.2 0.5 63.0Military 2.6 49.6 0.6 0.0 49.9 0.8 32.8 0.0 0.0 67.1Fed/local government 5.4 30.6 1.0 0.8 67.6 1.4 30.3 0.8 0.9 68.0Manufacturing 3.4 33.4 1.9 3.1 61.6 1.2 24.5 1.4 3.7 70.4

Chemicals 2.5 32.2 1.1 0.5 66.3 0.8 23.4 1.1 0.3 75.2Petroleum refining 2.8 99.8 0.2 0.0 0.0 0.3 100.0 0.0 0.0 0.0Primary/fabricated metals 3.7 60.3 0.0 8.0 31.7 0.8 74.0 0.0 7.3 18.7Machinery 6.9 33.3 0.0 11.3 55.4 2.2 34.9 0.0 16.2 48.9Transportation equipment 4.9 32.9 8.7 0.0 58.5 1.6 26.8 15.4 0.0 57.9Other manufacturing 3.3 27.7 3.3 0.5 68.6 1.3 15.1 1.3 0.4 83.2

Services 4.0 23.3 11.8 6.0 58.9 1.3 17.8 7.6 9.9 64.7Fin/ins/real estate/trade 3.7 8.2 21.2 0.2 70.4 1.2 8.2 8.3 0.0 83.5Health care 5.9 38.3 3.0 2.2 56.5 1.4 46.1 0.7 2.0 51.1Transportation 2.7 29.9 0.4 16.9 52.9 1.0 17.3 0.2 28.9 53.6Communication & utilities 6.4 26.5 16.8 4.6 52.1 1.9 18.8 19.8 2.9 58.5

Other single groups 4.4 23.0 1.2 1.3 74.5 1.2 29.3 0.0 0.3 70.4Multiple group occup, primarily 6.4 30.8 2.9 1.4 64.9 1.9 28.5 1.1 2.1 68.3

Educational 5.9 34.3 4.0 0.6 61.2 1.8 34.0 2.3 0.6 63.1Military 5.1 38.4 0.7 1.4 59.6 1.7 27.2 0.1 2.3 70.4Fed/state/local government 6.0 28.1 3.7 0.8 67.4 1.8 25.8 0.9 1.5 71.8Manufacturing 7.8 24.5 2.6 1.7 71.2 2.2 23.4 0.5 3.6 72.4

Chemical 12.4 23.8 1.2 0.4 74.6 2.9 35.1 0.1 0.7 64.1Petroleum refining 3.1 53.3 1.4 3.3 42.0 0.9 35.0 1.0 2.9 61.1Primary/fabricated metals 5.6 35.5 2.7 0.6 61.2 1.7 38.2 1.6 0.1 60.1Machinery 6.3 25.0 3.3 1.0 70.7 2.6 16.6 0.8 1.1 81.5Transportation equipment 5.9 24.2 4.0 5.3 66.6 1.9 20.2 0.0 11.5 68.3Other manufacturing 9.0 21.5 2.8 0.8 74.8 2.4 18.5 0.9 1.3 79.4

Services 7.6 40.7 3.2 3.7 52.4 1.9 45.7 1.7 5.4 47.2Fin/ins/real estate/trade 6.2 34.2 3.3 0.5 62.1 1.4 31.1 2.1 0.0 66.8Health care 8.7 36.9 7.6 2.1 53.4 2.3 38.2 5.1 2.5 54.2Transportation 4.2 50.7 0.7 5.8 42.8 1.2 48.8 0.0 5.2 46.0Communications/utilities 8.2 41.6 2.4 4.3 51.7 2.1 48.7 1.0 6.7 43.6

Faith-based 8.6 21.8 4.3 0.3 73.7 2.6 23.2 2.4 0.1 74.3Other multiple groups 6.3 24.9 2.6 0.5 71.9 2.4 23.7 1.6 0.3 74.4

National total

O pen-endSecond

O pen-endClosed-end Closed-endmortgage



Second mortgages outstanding at all CUs Second mortgages granted first nine months 2018 by all CUsSecond % granted with

O pen-end% outstanding with

adj ratesmortgage Closed-end Closed-end

/assets fixed rate adj rates

3.1% 66.7%

fixed rateO pen-end

/assets fixed rate adj rates fixed rate adj rates

6.0% 30.8% 3.3% 2.2% 63.7% 1.8% 28.5% 1.7%

Section 2-


embership


(44)S

ection 2 -O


bership

Commercial & Secured by RE Commercial & Secured by REBy type of membership Industrial (Non-Farm) Industrial (Non-Farm)

Community urban/rural 313,651 8.60 4.0 0.7 7.5 7.2 80.5 11.4 1.5 8.4 10.9 52.7Associational 299,907 17.98 1.3 0.6 4.3 6.1 87.7 12.8 1.8 8.7 9.8 34.3

Religious 521,955 38.03 1.2 0.9 0.2 0.6 97.1 6.0 3.7 0.0 1.6 4.6Fraternal 327,242 22.42 2.7 0.2 0.2 22.3 74.6 1.1 2.0 0.0 39.2 45.9Other assoc.,incl low income 227,941 12.75 1.1 0.4 8.0 6.5 83.9 16.4 1.1 12.4 8.9 42.3

Single group occupational 300,259 1.67 3.9 2.1 0.3 9.8 83.8 17.6 3.9 0.6 13.9 55.8Educational 436,853 1.05 0.3 0.2 0.0 7.1 92.4 1.7 0.6 0.0 1.5 95.2Military 412,710 0.55 5.5 2.6 0.0 4.7 87.3 17.3 4.0 0.0 5.3 69.1Fed/local government 352,422 3.22 4.9 3.6 0.2 6.5 84.8 25.5 7.0 0.4 8.3 50.0Manufacturing 294,112 4.11 2.6 1.4 0.7 16.0 79.3 15.9 1.6 1.2 30.9 38.3

Chemicals 535,043 4.40 0.9 2.3 0.6 1.6 94.6 34.5 1.7 2.2 0.6 51.9Petroleum refining 0 0.00 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0Primary/fabricated metals 27,607 0.02 0.0 0.0 13.9 86.1 0.0 0.0 0.0 0.0 100.0 0.0Machinery 179,909 2.35 1.4 0.0 1.0 35.1 62.5 2.3 3.3 0.6 43.7 46.7Transportation equipment 352,427 5.50 0.0 0.0 0.6 15.0 84.4 0.0 0.0 0.0 44.4 36.7Other manufacturing 202,260 5.38 5.1 0.7 0.8 30.6 62.9 0.5 1.4 0.4 58.3 23.5

Services 172,162 2.02 4.3 1.1 0.6 16.6 77.4 14.6 2.8 1.1 18.0 56.0Fin/ins/real estate/trade 137,809 1.04 1.0 1.0 0.2 46.0 51.8 0.8 2.1 0.0 72.8 19.0Health care 370,478 4.73 0.5 2.3 0.0 3.4 93.8 0.2 2.4 0.0 3.5 91.3Transportation 537,967 2.08 8.3 0.3 0.8 10.6 80.1 24.7 0.0 1.9 4.8 61.2Communication & utilities 44,396 2.00 1.6 2.0 1.3 26.0 69.0 2.3 17.4 0.0 8.8 54.4

Other single groups 807,142 7.59 0.0 0.3 0.0 0.6 99.1 0.0 0.9 0.0 1.4 89.4Multiple group occup, primarily 404,466 5.96 4.5 0.8 0.5 9.8 84.3 12.9 1.4 0.6 9.1 62.5

Educational 432,561 6.27 3.6 0.9 0.6 8.2 86.7 12.8 1.6 0.2 6.2 67.2Military 559,204 4.38 5.0 0.5 0.4 4.9 89.2 17.5 1.1 0.4 3.6 59.9Fed/state/local government 390,222 3.06 5.5 1.1 0.8 12.2 80.3 19.1 0.3 1.8 14.5 46.0Manufacturing 542,761 8.16 4.7 0.3 0.3 6.0 88.8 7.5 0.8 0.2 10.1 70.8

Chemical 426,117 8.37 9.0 0.4 0.2 18.9 71.5 3.5 0.6 0.0 45.4 44.4Petroleum refining 290,973 1.25 7.4 1.4 0.0 8.6 82.5 12.5 15.2 0.0 4.8 65.8Primary/fabricated metals 243,036 6.48 4.7 1.8 0.1 2.6 90.9 5.2 2.1 0.0 2.1 65.5Machinery 325,967 8.94 5.5 0.4 2.7 7.8 83.6 15.1 0.6 4.2 8.2 52.1Transportation equipment 956,423 12.81 1.8 0.1 0.0 1.9 96.2 1.2 0.2 0.0 1.2 89.3Other manufacturing 418,998 6.49 6.9 0.5 0.4 6.5 85.6 21.1 1.0 0.1 15.0 46.7

Services 289,257 8.19 3.1 1.9 0.3 20.9 73.8 11.5 3.7 0.4 15.6 59.0Fin/ins/real estate/trade 115,153 14.51 0.7 9.2 0.2 35.1 54.8 0.0 16.5 0.5 55.1 24.2Health care 183,738 3.06 0.5 0.7 2.5 14.2 82.1 8.7 1.1 3.8 11.0 40.1Transportation 269,798 12.13 0.7 0.3 0.2 67.9 31.0 0.0 1.4 1.0 14.9 50.2Communications/utilities 573,730 7.53 4.5 0.2 0.3 6.6 88.4 15.6 0.4 0.1 4.8 70.4

Faith-based 161,643 11.67 2.1 0.6 1.6 17.4 78.3 1.3 2.9 2.9 26.1 36.3Other multiple groups 338,762 7.58 5.4 0.6 0.9 9.8 83.3 14.9 0.9 1.4 7.1 60.6

National total $335,893 8.0% 82.1% 10.4% 55.4%

$ Business



Ag- Construction/ Ag-

% of total business loans outstanding at offering CUs % of total business loans granted first nine months 2018 at offering CUs

developmentsize total loans development UnsecuredAverage loans/ $ Construction/

5.7%

Unsecured

6.79% 4.1% 0.8% 5.0% 12.1% 1.5%

relatedrelated


(45)

By type of membershipCommunity urban/rural 14.14 294,724 2.87 3.05 2.18 4.91 5.92 15.40Associational 1.55 258,867 1.28 1.49 0.34 4.38 5.63 21.83

Religious 0.51 86,561 0.17 1.02 0.10 90.60 95.00 19.00Fraternal 3.77 216,241 2.99 4.52 0.75 4.15 6.86 20.00Other assoc.,incl low income 2.17 328,017 1.71 1.19 0.52 4.19 4.18 24.00

Single group occupational 0.71 331,311 0.77 0.70 0.04 2.52 2.92 5.90Educational 0.42 17,696 0.07 1.82 0.03 2.57 15.38 6.00Military 5.88 156,079 0.67 1.76 1.00 0.67 1.77 17.00Fed/local government 0.85 376,696 0.48 0.45 0.02 1.73 2.04 2.75Manufacturing 0.34 313,843 0.06 0.06 0.00 0.88 0.51 1.00

Chemicals 0.00 0 0.00 0.00 0.00 0.00 0.00 0.00Petroleum refining 0.00 0 0.00 0.00 0.00 0.00 0.00 0.00Primary/fabricated metals 0.00 0 0.00 0.00 0.00 0.00 0.00 0.00Machinery 3.85 313,843 0.80 0.46 0.04 0.88 0.51 1.00Transportation equipment 0.00 0 0.00 0.00 0.00 0.00 0.00 0.00Other manufacturing 0.00 0 0.00 0.00 0.00 0.00 0.00 0.00

Services 0.78 513,763 2.61 0.87 0.06 12.60 8.51 8.00Fin/ins/real estate/trade 1.75 119,836 0.16 0.18 0.02 5.27 3.85 1.00Health care 0.86 117,819 0.20 0.64 0.02 0.56 2.13 2.00Transportation 0.00 0 0.00 0.00 0.00 0.00 0.00 0.00Communication & utilities 0.79 570,231 18.18 1.42 0.17 22.54 12.96 21.00

Other single groups 0.00 0 0.00 0.00 0.00 0.00 0.00 0.00Multiple group occup, primarily 6.58 357,500 3.40 3.85 1.16 5.42 7.23 17.65

Educational 6.61 447,408 4.30 4.16 1.07 7.18 7.78 16.23Military 25.49 314,314 3.70 6.58 7.37 4.61 8.11 28.92Fed/state/local government 3.10 402,035 2.27 2.20 0.35 6.92 7.27 11.25Manufacturing 6.82 246,884 1.94 4.26 1.25 3.22 7.66 18.35

Chemical 3.85 104,192 1.92 7.85 2.50 2.37 12.75 65.00Petroleum refining 2.44 417,741 0.46 0.32 0.02 1.64 1.72 1.00Primary/fabricated metals 2.70 1,260,974 4.22 0.81 0.14 6.60 3.36 5.00Machinery 8.33 262,683 6.65 8.26 2.58 7.20 11.21 31.00Transportation equipment 18.42 489,667 1.81 3.53 2.47 2.91 5.90 13.43Other manufacturing 6.90 166,172 1.32 3.33 0.90 2.92 6.07 13.00

Services 5.62 312,063 2.00 1.86 0.49 2.94 4.58 8.70Fin/ins/real estate/trade 4.26 290,142 0.66 0.26 0.28 3.37 6.81 6.50Health care 3.91 202,249 11.38 10.34 0.58 20.79 17.87 14.80Transportation 2.38 588,664 1.60 0.74 0.14 1.70 0.87 6.00Communications/utilit ies 9.33 362,479 1.86 2.94 0.67 2.40 4.23 7.21

Faith-based 6.90 74,317 0.53 1.14 0.34 1.01 2.42 5.00Other multiple groups 9.59 426,538 6.38 5.07 2.62 9.25 8.17 27.29

National total 15.913.10 6.21

loansper CU

5.03

per CUbusiness

loanstotal $

SBA loans business loans loanssize

7.39% 2.90

SBA $ SBA loans/ SBA loans/

$314,378 1.18

business loans


SBA loans outstanding at offering CUs

% of CUsoffering Average

SBA

SBA loans outstanding at offering CUs

Number of Number of

loanstotal $ business$ SBA loans/ SBA loans/

Number ofNumber of

Section 2 -


embership


(46)





Services 0.43 0.74 0.08 0.10 0.06 0.03 0.57 0.86Fin/ins/real estate/trade 0.50 0.92 0.06 0.08 0.05 0.02 0.61 1.02Health care 0.47 0.72 0.16 0.18 0.09 0.05 0.71 0.94Transportation 0.34 0.69 0.06 0.06 0.05 0.03 0.45 0.77Communication & utilit ies 0.56 0.61 0.10 0.13 0.06 0.04 0.71 0.78




Services 0.62 0.90 0.21 0.14 0.22 0.04 1.04 1.09Fin/ins/real estate/trade 0.54 0.94 0.13 0.08 0.06 0.02 0.73 1.05Health care 0.62 0.78 0.09 0.11 0.07 0.04 0.79 0.94Transportation 1.57 0.92 0.89 0.19 1.18 0.10 3.65 1.20Communications/utilit ies 0.50 0.92 0.14 0.15 0.13 0.04 0.77 1.11


National total 0.50% 0.75% 0.10% 0.09%

Over 12 months delinquent

Dollar Number

0.87%0.07%

Dollar

0.02% 0.67%


Dollar Number

2-6 months delinquent

NumberNumber


Dollar

Total

Section 2 -


embership


(47)











National total

Dollar amount delinquentTotal2-6 months

Dollar amount delinquent6-12 months Over 12 months

0.01% 1.26%

2-6 months 6-12 months Over 12 months Total

0.27%


Unsecured cedit card loans All other consumer loans

0.19% 0.04% 0.04%1.18% 0.08%

Section 2 -


embership


(48)

By type of membershipCommunity urban/rural 0.24 0.06 0.07 0.37 0.40 0.15 0.11 0.65 0.35 0.09 0.13 0.57 0.27 0.08 0.08 0.44Associational 0.33 0.08 0.12 0.53 0.69 0.10 0.08 0.88 0.46 0.27 0.18 0.91 0.35 0.12 0.07 0.53

Religious 0.28 0.07 0.21 0.57 1.36 0.20 0.00 1.57 0.80 1.16 0.04 1.99 0.79 0.00 0.05 0.84Fraternal 0.31 0.05 0.00 0.36 0.74 0.11 0.84 1.69 0.27 0.02 0.00 0.30 0.31 0.19 0.00 0.50Other assoc.,incl low income 0.35 0.09 0.11 0.55 0.35 0.05 0.04 0.43 0.45 0.14 0.28 0.86 0.29 0.13 0.08 0.49

Single group occupational 0.32 0.11 0.08 0.51 0.39 0.11 0.12 0.63 0.45 0.14 0.11 0.70 0.31 0.10 0.10 0.50Educational 0.28 0.06 0.03 0.38 0.47 0.16 0.16 0.79 0.31 0.07 0.02 0.40 0.36 0.11 0.05 0.52Military 0.38 0.14 0.08 0.61 0.49 0.15 0.15 0.79 0.55 0.11 0.10 0.76 0.24 0.11 0.07 0.43Fed/local government 0.27 0.10 0.14 0.51 0.48 0.15 0.13 0.76 0.46 0.27 0.17 0.89 0.34 0.09 0.17 0.61Manufacturing 0.22 0.05 0.03 0.31 0.23 0.07 0.06 0.36 0.45 0.15 0.12 0.71 0.19 0.00 0.02 0.21

Chemicals 0.09 0.01 0.01 0.11 0.24 0.02 0.00 0.26 0.69 0.10 0.04 0.83 0.11 0.00 0.00 0.11Petroleum refining 1.18 0.00 0.00 1.18 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00Primary/fabricated metals 0.36 0.14 0.01 0.52 0.20 0.32 0.16 0.69 0.36 0.00 0.14 0.51 0.12 0.00 0.00 0.12Machinery 1.07 0.57 0.01 1.65 0.11 0.01 0.03 0.16 0.33 0.33 0.00 0.67 0.04 0.00 0.00 0.04Transportation equipment 0.10 0.00 0.08 0.18 0.00 0.00 0.00 0.00 0.03 0.00 0.10 0.13 0.68 0.00 0.00 0.68Other manufacturing 0.46 0.08 0.12 0.67 0.41 0.12 0.11 0.64 0.44 0.15 0.27 0.87 0.29 0.00 0.04 0.33

Services 0.24 0.05 0.07 0.36 0.29 0.05 0.15 0.49 0.39 0.10 0.16 0.65 0.36 0.14 0.09 0.59Fin/ins/real estate/trade 0.23 0.03 0.04 0.30 0.30 0.05 0.16 0.51 0.08 0.06 0.21 0.35 0.50 0.16 0.15 0.81Health care 0.23 0.13 0.19 0.55 0.16 0.00 0.12 0.28 0.37 0.27 0.30 0.94 0.33 0.33 0.17 0.83Transportation 0.14 0.07 0.09 0.30 0.34 0.00 0.03 0.36 0.64 0.15 0.20 0.99 0.24 0.01 0.04 0.29Communication & utilit ies 0.73 0.02 0.00 0.75 0.35 0.21 0.33 0.89 0.47 0.00 0.03 0.50 0.30 0.17 0.04 0.51

Other single groups 0.01 0.01 0.00 0.01 0.07 0.00 0.00 0.07 0.00 0.00 0.00 0.00 0.08 0.00 0.00 0.08Multiple group occup, primari 0.27 0.07 0.09 0.43 0.72 0.20 0.12 1.03 0.36 0.09 0.15 0.60 0.29 0.10 0.09 0.47

Educational 0.22 0.05 0.04 0.31 0.33 0.09 0.11 0.53 0.31 0.09 0.06 0.46 0.28 0.08 0.08 0.44Military 0.29 0.12 0.11 0.52 0.12 0.02 0.02 0.16 0.33 0.05 0.15 0.53 0.25 0.10 0.10 0.45Fed/state/local government 0.32 0.08 0.09 0.49 1.44 0.34 0.15 1.93 0.41 0.10 0.11 0.62 0.31 0.07 0.07 0.46Manufacturing 0.19 0.04 0.07 0.30 0.31 0.27 0.09 0.67 0.38 0.10 0.15 0.64 0.29 0.13 0.10 0.53

Chemical 0.18 0.07 0.08 0.33 0.61 0.18 0.04 0.83 0.24 0.12 0.06 0.42 0.30 0.14 0.19 0.64Petroleum refining 0.25 0.04 0.09 0.38 0.39 0.02 0.09 0.50 0.28 0.07 0.25 0.60 0.45 0.01 0.47 0.93Primary/fabricated metals 0.38 0.12 0.10 0.60 0.55 0.26 0.25 1.07 0.84 0.09 0.16 1.09 0.32 0.03 0.02 0.36Machinery 0.37 0.02 0.09 0.49 0.07 0.13 0.25 0.46 0.55 0.05 0.08 0.68 0.35 0.09 0.05 0.49Transportation equipment 0.17 0.04 0.06 0.27 0.42 0.26 0.07 0.75 0.44 0.15 0.23 0.82 0.25 0.10 0.07 0.42Other manufacturing 0.16 0.04 0.06 0.25 0.16 0.37 0.08 0.61 0.39 0.09 0.15 0.63 0.29 0.16 0.06 0.50

Services 0.33 0.10 0.15 0.58 0.52 0.14 0.17 0.83 0.40 0.14 0.29 0.83 0.27 0.10 0.15 0.51Fin/ins/real estate/trade 0.27 0.17 0.15 0.59 0.62 0.00 0.05 0.67 0.70 0.09 0.13 0.91 0.22 0.02 0.00 0.24Health care 0.44 0.04 0.14 0.62 0.85 0.08 0.02 0.95 0.15 0.06 0.10 0.31 0.50 0.10 0.12 0.72Transportation 1.59 0.25 0.43 2.27 1.10 0.03 0.12 1.25 0.32 0.22 0.17 0.71 0.35 0.10 0.02 0.47Communications/utilit ies 0.21 0.09 0.13 0.43 0.41 0.17 0.21 0.79 0.42 0.16 0.36 0.95 0.22 0.11 0.18 0.51

Faith-based 1.13 0.30 0.10 1.53 0.50 0.09 0.16 0.75 0.27 0.07 0.23 0.57 0.21 0.10 0.14 0.45Other multiple groups 0.27 0.06 0.15 0.48 0.34 0.11 0.20 0.65 0.30 0.07 0.11 0.48 0.29 0.08 0.06 0.44

National total 0.09% 0.46%0.11% 0.82% 0.37% 0.10% 0.13% 0.60% 0.28% 0.09%0.26% 0.07% 0.08% 0.42% 0.55% 0.17%

Table 15

Real estate loan delinquency ratios (%)First mortgage fixed rate/hybrid/balloon First mortgage adjustable rate Other RE fixed rate/hybrid/balloon Other RE adjustable rate

Dollar amount delinquent Dollar amount delinquent2-6 6-12 Over 12Over 12Over 12

Dollar amount delinquent Dollar amount delinquent2-6 6-122-6 6-12

months months months Total months months months Total months months months months months Totalmonths Total

2-6 6-12 Over 12

Section 2 -


embership


(49)

By type of membershipCommunity urban/rural 0.46 0.06 0.03 0.55 0.56 0.11 0.17 0.83 0.33 0.19 0.24 0.75 0.42 0.55 0.39 1.37Associational 0.71 0.08 0.01 0.80 0.65 0.10 0.06 0.81 0.72 0.16 0.08 0.96 0.88 0.38 0.17 1.43

Religious 0.29 0.01 0.03 0.34 0.80 0.18 0.00 0.98 1.24 0.24 0.12 1.60 0.00 0.00 0.00 0.00Fraternal 0.28 0.01 0.15 0.44 0.00 0.00 0.00 0.00 0.22 0.00 0.00 0.22 0.00 0.00 0.00 0.00Other assoc.,incl low income 0.73 0.08 0.01 0.83 0.54 0.02 0.11 0.68 0.44 0.13 0.07 0.64 0.90 0.39 0.18 1.47

Single group occupational 0.60 0.08 0.02 0.70 0.45 0.11 0.04 0.60 0.33 0.11 0.00 0.45 0.00 0.00 0.00 0.00Educational 0.21 0.03 0.00 0.24 0.96 0.02 0.10 1.08 2.05 0.12 0.00 2.17 0.00 0.00 0.00 0.00Military 0.00 0.00 #### 17.06 0.00 0.00 0.00 0.00 0.23 0.00 0.00 0.23 0.00 0.00 0.00 0.00Fed/local government 0.61 0.09 0.04 0.74 0.61 0.31 0.03 0.94 0.37 0.23 0.00 0.60 0.00 0.00 0.00 0.00Manufacturing 0.56 0.06 0.00 0.62 0.52 0.08 0.00 0.60 0.09 0.00 0.01 0.10 0.00 0.00 0.00 0.00

Chemicals 0.28 0.03 0.00 0.31 0.55 0.11 0.00 0.67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00Petroleum refining 0.27 0.04 0.00 0.31 1.55 0.00 0.00 1.55 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00Primary/fabricated metals 2.26 0.54 0.00 2.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00Machinery 0.25 0.00 0.00 0.25 0.00 0.00 0.00 0.00 0.00 0.00 0.07 0.07 0.00 0.00 0.00 0.00Transportation equipment 0.38 0.14 0.09 0.61 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00Other manufacturing 0.88 0.07 0.00 0.94 0.59 0.07 0.00 0.65 0.23 0.00 0.00 0.23 0.00 0.00 0.00 0.00

Services 0.84 0.10 0.01 0.95 0.34 0.07 0.04 0.45 0.12 0.14 0.00 0.26 0.00 0.00 0.00 0.00Fin/ins/real estate/trade 0.85 0.09 0.01 0.94 0.37 0.12 0.00 0.49 0.12 0.00 0.00 0.12 0.00 0.00 0.00 0.00Health care 0.49 0.10 0.00 0.59 0.23 0.01 0.00 0.25 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00Transportation 0.86 0.34 0.20 1.40 0.36 0.08 0.04 0.47 0.23 0.30 0.00 0.53 0.00 0.00 0.00 0.00Communication & utilities 1.22 0.36 0.08 1.66 0.25 0.02 0.16 0.43 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Other single groups 0.11 0.00 0.00 0.11 0.00 0.00 0.00 0.00 0.22 0.04 0.00 0.26 0.00 0.00 0.00 0.00Multiple group occup, primarily 0.58 0.08 0.02 0.68 0.55 0.24 0.52 1.32 0.35 0.19 0.38 0.93 0.00 0.00 0.00 0.00

Educational 0.46 0.08 0.02 0.56 0.28 0.07 0.08 0.42 0.11 0.05 0.03 0.20 0.00 0.00 0.00 0.00Military 0.63 0.07 0.01 0.71 0.83 0.05 0.05 0.93 0.31 0.06 0.10 0.47 0.00 0.00 0.00 0.00Fed/state/local government 0.56 0.09 0.01 0.66 0.35 0.09 0.07 0.51 0.31 0.15 0.29 0.74 0.00 0.00 0.00 0.00Manufacturing 0.50 0.07 0.02 0.60 0.60 0.35 0.68 1.63 0.27 0.11 0.20 0.58 0.00 0.00 0.00 0.00

Chemical 0.45 0.03 0.02 0.49 0.45 0.06 3.45 3.96 0.12 0.09 0.55 0.76 0.00 0.00 0.00 0.00Petroleum refining 0.82 0.15 0.07 1.03 0.29 0.01 0.05 0.34 0.09 0.15 0.36 0.59 0.00 0.00 0.00 0.00Primary/fabricated metals 0.17 0.02 0.00 0.20 0.04 0.00 0.00 0.04 0.58 0.00 0.02 0.60 0.00 0.00 0.00 0.00Machinery 0.69 0.17 0.02 0.89 0.69 0.07 0.04 0.80 1.10 0.01 0.04 1.15 0.00 0.00 0.00 0.00Transportation equipment 0.40 0.08 0.03 0.51 0.42 0.61 0.53 1.56 0.19 0.10 0.08 0.37 0.00 0.00 0.00 0.00Other manufacturing 0.56 0.05 0.01 0.62 0.86 0.43 0.02 1.32 0.31 0.17 0.27 0.75 0.00 0.00 0.00 0.00

Services 0.56 0.08 0.03 0.67 0.74 0.38 0.88 2.00 0.76 0.51 0.88 2.15 0.00 0.00 0.00 0.00Fin/ins/real estate/trade 0.94 0.09 0.02 1.04 0.18 0.00 0.00 0.18 0.06 0.33 0.00 0.40 0.00 0.00 0.00 0.00Health care 0.70 0.04 0.00 0.74 0.58 0.04 0.00 0.62 1.52 0.16 0.00 1.68 0.00 0.00 0.00 0.00Transportation 0.71 0.07 0.01 0.78 3.87 1.62 4.58 10.08 3.75 2.62 4.71 11.08 0.00 0.00 0.00 0.00Communications/utilities 0.49 0.08 0.03 0.60 0.57 0.41 0.87 1.86 0.25 0.12 0.34 0.70 0.00 0.00 0.00 0.00

Faith-based 1.09 0.26 0.01 1.36 0.16 0.13 0.23 0.52 0.41 0.25 1.40 2.07 0.00 0.00 0.00 0.00Other multiple groups 0.68 0.11 0.03 0.83 0.76 0.81 2.17 3.74 0.43 0.30 0.81 1.54 0.00 0.00 0.00 0.00

National total 0.37% 1.32%0.25% 0.94% 0.35% 0.18% 0.27% 0.81% 0.42% 0.53%0.51% 0.07% 0.02% 0.61% 0.54% 0.15%

Table 16Additional loan delinquency ratios (%)

Indirect lending Participation loans MBLs (excluding Ag-related loans) Agricultural loans

Dollar amount delinquent Dollar amount delinquent2-6 6-12 Over 12Over 12Over 12

Dollar amount delinquent Dollar amount delinquent2-6 6-122-6 6-12

months months months Total months months months Total months months months months months Totalmonths Total2-6 6-12 Over 12

Section 2 -


embership


(50)

By type of membershipCommunity urban/rural 0.74 131.88 22.17 11.02 0.08 0.18 17.2Associational 0.87 115.24 3.48 1.15 0.01 0.17 12.6

Religious 1.38 130.76 0.49 0.33 0.01 0.10 5.8Fraternal 0.85 119.02 0.62 0.64 0.00 0.13 4.6Other assoc.,incl low income 0.76 109.23 8.80 2.49 0.01 0.20 15.7

Single group occupational 1.36 168.34 7.55 5.09 0.02 0.16 19.7Educational 0.76 126.98 3.37 1.41 0.02 0.13 23.4Military 2.00 196.43 275.53 166.00 0.29 0.14 18.8Fed/local government 0.93 125.53 6.45 5.03 0.02 0.26 23.6Manufacturing 0.55 115.93 2.85 1.90 0.00 0.21 26.7

Chemicals 0.36 200.29 7.44 2.67 0.00 0.17 31.1Petroleum refining 0.64 78.74 0.62 0.69 0.00 0.08 6.0Primary/fabricated metals 1.01 144.29 3.18 1.53 0.00 0.51 26.7Machinery 0.49 90.72 2.88 1.00 0.00 0.15 54.3Transportation equipment 0.89 158.12 2.00 2.83 0.00 0.17 31.2Other manufacturing 0.76 91.57 1.96 1.96 0.00 0.26 16.3

Services 0.71 124.97 3.32 2.83 0.01 0.11 18.0Fin/ins/real estate/trade 0.74 121.75 6.82 4.74 0.02 0.11 24.9Health care 0.74 103.26 1.98 2.94 0.01 0.19 20.1Transportation 0.74 163.21 6.16 3.89 0.00 0.09 13.6Communication & utilities 0.50 70.69 1.07 1.15 0.01 0.13 21.1

Other single groups 0.41 162.17 3.80 3.10 0.00 0.06 18.0Multiple group occup, primarily 0.87 114.49 19.20 10.60 0.04 0.22 17.2

Educational 0.77 155.32 14.98 7.93 0.02 0.17 19.0Military 0.77 115.03 195.04 90.59 0.14 0.24 15.6Fed/state/local government 0.90 84.39 16.65 11.43 0.06 0.20 19.6Manufacturing 0.75 135.94 14.47 7.36 0.04 0.21 16.4

Chemical 1.06 156.17 11.67 6.12 0.00 0.20 15.7Petroleum refining 0.48 77.93 7.20 5.39 0.05 0.13 12.9Primary/fabricated metals 0.72 114.04 7.38 4.05 0.00 0.19 18.9Machinery 0.74 108.80 6.25 2.50 0.00 0.14 15.4Transportation equipment 0.83 177.09 46.66 18.97 0.16 0.31 18.7Other manufacturing 0.67 124.64 12.26 6.97 0.03 0.17 15.4

Services 1.21 115.76 8.92 4.93 0.03 0.35 16.2Fin/ins/real estate/trade 0.74 101.56 7.43 5.15 0.02 0.26 23.8Health care 0.74 94.02 4.18 2.87 0.01 1.21 18.7Transportation 3.84 105.28 5.62 5.31 0.07 0.74 9.2Communications/utilit ies 0.99 128.38 15.29 6.42 0.03 0.17 18.2

Faith-based 0.94 72.97 4.03 1.98 0.00 0.26 17.3Other multiple groups 0.99 129.73 19.71 12.40 0.02 0.19 16.9

National total 0.88% 16.18 8.68 0.04131.02%

Table 17

Allowance for loan loss and bankruptcyNumber of Number of Number of

per CUloans

Loan balances subject

17.9%

(as % of) due to bankruptcy

0.19%

total loans

to bankruptcies% of $ NetAllowance for loan loss

chapter 7bankruptcies

chapter 11 charge offchapter 13Delinquent

as % of :

outstandingLoans bankruptcies bankruptcies

per CU per CU

Section 2 -


embership


(51)S

ection 2 -O


bership

By type of membershipCommunity urban/rural 0.06 0.53 28.12 0.42 2.03 0.02 -0.03 0.21Associational 0.06 0.52 25.98 0.42 1.90 0.07 0.56 0.34

Religious 0.04 0.61 37.70 0.44 1.56 0.13 4.16 0.71Fraternal 0.14 0.63 16.63 0.55 1.22 0.29 -0.10 0.22Other assoc.,incl low income 0.05 0.48 23.93 0.39 1.99 0.02 0.03 0.11

Single group occupational 0.03 1.21 17.51 1.05 3.91 0.02 0.00 0.54Educational 0.03 0.52 29.58 0.40 2.36 -0.04 -0.11 0.14Military 0.03 1.89 14.59 1.68 4.43 0.04 -0.06 1.48Fed/local government 0.03 0.77 26.74 0.61 2.27 0.01 0.04 0.05Manufacturing 0.04 0.48 21.67 0.40 1.70 0.03 0.16 0.79

Chemicals 0.03 0.22 34.05 0.17 1.13 0.01 0.13 0.00Petroleum refining 0.03 0.83 18.57 0.72 2.03 0.00 0.00 0.00Primary/fabricated metals 0.04 0.65 20.71 0.55 1.57 0.11 0.75 0.00Machinery 0.02 0.59 12.82 0.53 1.81 0.05 0.15 9.88Transportation equipment 0.07 0.62 42.94 0.42 2.00 0.16 -0.01 0.00Other manufacturing 0.04 0.75 18.30 0.65 2.18 0.02 0.11 0.01

Services 0.04 0.45 26.63 0.36 1.79 0.01 0.10 0.42Fin/ins/real estate/trade 0.03 0.36 28.81 0.28 1.77 0.00 0.18 0.00Health care 0.04 0.57 26.25 0.46 1.46 0.04 0.18 0.07Transportation 0.06 0.52 24.71 0.43 2.10 0.00 0.02 1.06Communication & utilities 0.01 0.34 31.26 0.26 0.99 0.02 0.03 0.00

Other single groups 0.00 0.24 26.36 0.20 0.92 0.00 -0.26 0.06Multiple group occup, primarily 0.05 0.65 26.51 0.52 2.27 0.02 0.04 0.42


Chemical 0.04 0.55 35.52 0.41 1.55 0.02 0.11 0.20Petroleum refining 0.04 0.37 22.23 0.31 2.06 0.01 0.13 0.00Primary/fabricated metals 0.06 0.61 32.13 0.46 2.28 0.01 0.03 -0.03Machinery 0.03 0.39 25.72 0.31 1.30 0.00 -0.01 0.45Transportation equipment 0.03 0.51 23.95 0.42 2.36 0.02 -0.05 0.07Other manufacturing 0.04 0.45 22.91 0.38 2.05 0.01 0.03 0.13

Services 0.08 0.80 28.90 0.62 2.32 0.02 0.11 1.54Fin/ins/real estate/trade 0.04 0.70 40.75 0.49 2.17 0.02 0.01 0.03Health care 0.03 0.53 32.33 0.40 1.68 0.01 0.02 -0.08Transportation 0.37 2.33 29.73 1.81 1.90 0.02 0.10 9.51Communications/utilit ies 0.06 0.64 26.05 0.52 2.45 0.02 0.14 0.42

Faith-based 0.07 0.53 24.36 0.43 1.48 0.08 -0.01 0.17Other multiple groups 0.10 0.71 26.44 0.57 2.01 0.01 -0.01 0.46

National total 1 Member business loan charged off includes ag-related business loans.

0.29%0.54% 2.76% 0.02% 0.01%

charged offs/1st mortgages

charged off1/card loans

0.05% 0.67% 24.76%

repossessed assets/ $ Charged off/ $ Recoveries/ $ Net chargedassets $ loans out


Annualized Chargeoffs (as a percent of period-end loans)% Net 1st % Net other

Foreclosed &% Net credit

$ Net MBLs

other RE loans MBLs$ charged off off/ loans out credit card loanscharged off/ charged off/mortgages RE loans


(52)

By type of membershipCommunity urban/rural 98.7 88.7 83.8 87.3 17.6 73.9 12.7 5.4 60.3Associational 62.4 69.9 92.2 90.2 16.1 68.4 5.2 3.1 13.5

Religious 53.8 63.6 97.9 91.3 16.9 63.6 3.1 3.1 7.7Fraternal 62.3 69.8 86.8 92.5 11.3 79.2 3.8 3.8 22.6Other assoc.,incl low income 74.6 79.0 86.2 87.7 16.7 71.0 8.7 2.9 18.1

Single group occupational 70.7 82.7 87.1 87.8 17.8 78.3 6.0 1.6 21.9Educational 62.2 78.6 91.2 91.2 16.4 79.8 3.8 1.7 19.7Military 100.0 82.4 82.4 88.2 17.6 76.5 11.8 5.9 29.4Fed/local government 73.8 83.4 88.1 86.8 16.6 79.1 6.6 1.9 22.6Manufacturing 66.0 80.6 84.7 89.8 16.7 75.5 5.4 1.4 17.0

Chemicals 64.1 79.5 84.6 84.6 15.4 69.2 15.4 0.0 25.6Petroleum refining 69.2 84.6 100.0 84.6 7.7 84.6 0.0 0.0 7.7Primary/fabricated metals 64.7 79.4 79.4 82.4 17.6 73.5 5.9 0.0 14.7Machinery 80.8 88.5 88.5 84.6 11.5 65.4 0.0 0.0 19.2Transportation equipment 58.3 75.0 91.7 91.7 8.3 91.7 0.0 0.0 16.7Other manufacturing 64.7 80.0 83.5 93.5 18.8 77.1 4.7 2.4 15.9

Services 74.0 85.7 85.2 85.2 21.0 79.5 6.8 1.0 25.5Fin/ins/real estate/trade 66.7 82.5 82.5 87.7 19.3 80.7 10.5 5.3 36.8Health care 81.9 90.5 83.6 84.5 20.7 79.3 5.2 0.0 25.9Transportation 75.3 82.4 87.1 85.9 23.5 74.1 7.1 0.0 20.0Communication & utilit ies 69.3 85.0 86.6 84.3 20.5 82.7 6.3 0.8 23.6

Other single groups 80.0 90.0 100.0 90.0 20.0 40.0 10.0 0.0 40.0Multiple group occup, primarily 92.8 90.9 81.7 87.0 17.7 78.0 10.8 4.3 42.8

Educational 90.4 89.2 89.5 85.0 18.0 81.1 12.9 5.7 45.3Military 100.0 86.3 94.1 78.4 13.7 58.8 27.5 13.7 82.4Fed/state/local government 93.5 90.7 79.3 85.8 22.0 80.1 12.4 2.6 42.6Manufacturing 92.3 92.3 80.4 90.2 14.2 77.7 9.8 5.3 41.2

Chemical 84.6 92.3 78.8 90.4 9.6 71.2 9.6 9.6 42.3Petroleum refining 87.8 82.9 87.8 97.6 14.6 75.6 9.8 7.3 43.9Primary/fabricated metals 97.3 97.3 64.9 83.8 21.6 75.7 13.5 0.0 43.2Machinery 87.5 91.7 87.5 91.7 8.3 75.0 4.2 8.3 33.3Transportation equipment 97.4 92.1 81.6 89.5 21.1 81.6 10.5 13.2 50.0Other manufacturing 94.5 93.8 81.4 89.7 13.1 80.7 9.7 2.1 38.6

Services 94.9 92.2 77.5 86.6 18.3 79.2 9.0 3.9 39.4Fin/ins/real estate/trade 95.7 85.1 78.7 91.5 10.6 72.3 12.8 2.1 48.9Health care 97.7 92.2 75.8 87.5 21.9 83.6 7.8 3.9 33.6Transportation 94.0 96.4 78.6 90.5 22.6 73.8 3.6 1.2 29.8Communications/utilit ies 92.7 92.0 78.0 82.0 15.3 80.7 12.0 6.0 46.7

Faith-based 81.0 86.2 91.4 93.1 15.5 69.0 5.2 0.0 29.3Other multiple groups 93.2 91.8 78.5 88.1 15.1 74.9 7.3 3.7 42.5

National total 41.6%17.6% 76.0% 9.9% 3.9%

securitiesfundsagency

equivalentsCash

central CUscommercial banks

S&Ls & MSBsin corporate

securitiesGovernment Mutual

87.5%

on

87.1% 86.6% 84.6%

handdeposit in

corporate CUs financial institutionsdeposit in other


FederalCash Shares/deposits Deposits in Cash on Cash on

Section 2 -


embership


(53)

By type of membershipCommunity urban/rural 3.3 5.4 18.2 0.9 0.7 8.7 1.3 0.6 47.9 0.5 12.6Associational 2.4 7.2 13.9 1.9 0.7 17.3 1.8 0.4 41.4 0.4 12.7

Religious 2.0 15.0 14.5 0.5 2.5 29.7 1.2 0.2 18.8 0.9 14.9Fraternal 1.4 3.9 8.8 0.5 0.2 36.7 0.2 1.3 23.5 0.4 23.1Other assoc.,incl low income 2.6 5.9 14.7 2.5 0.3 10.7 2.2 0.3 50.2 0.3 10.2

Single group occupational 1.6 3.6 8.4 1.2 0.3 9.1 13.2 0.7 43.4 0.2 18.3Educational 1.3 3.4 11.3 0.1 0.4 10.9 3.9 0.8 48.5 0.2 19.1Military 1.3 0.1 2.9 0.0 0.0 0.3 30.0 1.1 36.1 0.0 28.0Fed/local government 2.8 6.4 14.7 4.2 0.4 15.7 2.6 0.2 40.2 0.3 12.4Manufacturing 1.8 6.9 10.2 1.0 0.4 12.5 0.9 0.3 53.7 0.4 12.0

Chemicals 2.2 3.4 19.6 2.8 0.1 6.6 1.3 0.0 46.5 0.2 17.2Petroleum refining 1.4 7.3 15.5 0.4 1.1 50.7 0.0 0.0 9.7 0.3 13.5Primary/fabricated metals 3.6 42.5 3.7 1.8 0.7 21.0 0.1 0.0 18.7 1.3 6.6Machinery 8.1 7.5 30.9 0.3 0.1 24.5 0.0 0.0 2.7 1.0 24.9Transportation equipment 1.3 6.6 0.9 0.1 0.1 15.2 0.0 0.0 66.0 0.6 9.2Other manufacturing 1.0 5.6 4.8 0.1 0.6 12.7 0.8 0.5 64.5 0.4 8.9

Services 1.0 3.9 6.3 0.7 0.5 10.5 14.0 0.9 47.3 0.2 14.8Fin/ins/real estate/trade 0.4 3.2 4.5 0.0 0.3 4.3 31.4 2.0 49.6 0.2 4.1Health care 3.2 8.6 5.0 3.9 1.1 28.8 0.7 0.0 23.4 0.6 24.8Transportation 1.2 2.4 11.8 0.8 0.3 7.2 2.2 0.0 52.6 0.1 21.3Communication & utilit ies 0.8 5.2 2.2 0.5 0.7 19.7 1.1 0.3 46.3 0.5 22.6

Other single groups 1.4 5.6 26.8 0.2 0.1 25.0 0.0 0.0 37.7 0.3 3.0Multiple group occup, primarily 2.9 4.9 20.8 1.6 0.6 8.7 5.1 0.8 42.8 0.4 11.6

Educational 3.2 4.9 14.6 0.6 0.9 9.1 2.3 0.9 51.8 0.3 11.3Military 3.8 4.5 18.1 3.9 0.3 3.2 2.4 1.4 50.6 0.3 11.4Fed/state/local government 2.3 3.2 33.9 2.0 0.2 6.7 13.2 0.3 30.6 0.2 7.3Manufacturing 2.6 4.5 12.5 1.2 0.3 9.6 1.0 0.7 45.4 0.4 21.6

Chemical 1.8 3.2 4.0 0.1 0.1 5.0 0.2 0.6 46.2 0.3 38.5Petroleum refining 2.6 5.2 30.3 0.1 0.4 10.8 0.4 0.9 40.5 0.4 8.3Primary/fabricated metals 3.2 9.2 6.3 0.4 1.5 24.0 0.3 0.0 42.4 1.0 11.7Machinery 2.6 6.7 8.6 0.1 0.2 31.5 0.0 0.1 27.1 1.6 21.5Transportation equipment 4.4 4.2 21.6 2.9 0.2 6.2 0.5 2.9 49.3 0.4 7.3Other manufacturing 2.2 4.4 11.0 1.6 0.4 9.5 2.1 0.1 46.7 0.3 21.8

Services 2.6 8.9 15.4 1.0 1.5 17.6 1.6 1.7 36.9 0.8 12.2Fin/ins/real estate/trade 1.9 7.9 15.5 0.9 6.7 20.1 1.6 0.5 33.2 0.6 11.0Health care 3.1 8.8 9.5 1.0 1.6 30.6 2.2 0.1 22.8 0.6 19.7Transportation 3.7 11.7 7.0 0.7 1.1 29.9 0.8 0.0 30.0 1.0 14.1Communications/utilit ies 2.4 8.7 18.6 1.0 0.4 10.9 1.6 2.7 43.1 0.8 9.8

Faith-based 2.3 13.5 11.4 0.1 0.8 28.0 0.3 0.0 21.5 0.9 21.2Other multiple groups 3.9 5.5 15.6 1.4 0.6 7.7 0.3 0.6 54.8 0.4 9.3

National total

S&Ls & MSBs

2.9% 4.9% 1.2%

On hand corp CUs

17.3% 0.7%

Dep. in

Fin. Inst.

Dep. in

0.6%

central CUs

8.9%

in corp

4.8%

Equivalents

45.1% 0.4% 13.3%

comm. banks Governmentsecurities investmentssecurities

Capital at Othercorporate

agencyfunds

Mutual


(Items as a % of surplus funds)FederalCash Shares/dep. Dep. in

Section 2 -


embership


(54)

By type of membershipCommunity urban/rural 49.1 24.2 17.7 8.1 0.9 0.3 66.7 12.8 20.2 97.9 12.2Associational 47.6 28.1 18.4 5.6 0.4 0.0 41.9 23.3 34.8 98.4 8.1

Religious 64.5 24.5 8.0 2.6 0.4 0.0 30.6 6.0 63.5 104.9 4.0Fraternal 44.9 35.7 15.8 2.9 0.7 0.0 23.1 20.0 56.9 98.7 4.5Other assoc.,incl low income 44.0 27.5 21.3 6.8 0.3 0.0 48.4 27.9 23.7 98.1 9.8

Single group occupational 35.9 27.0 18.9 16.1 2.1 0.0 64.2 20.0 15.8 98.4 11.1Educational 36.7 43.1 17.8 2.0 0.5 0.0 27.5 54.7 17.8 98.1 2.3Military 7.4 13.1 26.6 46.7 6.2 0.0 93.7 2.4 3.8 98.7 21.1Fed/local government 51.8 27.9 14.3 5.2 0.8 0.0 38.3 31.4 30.3 98.4 5.1Manufacturing 42.4 31.8 20.8 4.3 0.7 0.0 42.8 35.1 22.1 99.4 5.5

Chemicals 53.0 26.3 13.4 7.0 0.3 0.0 78.6 8.8 12.6 102.4 10.2Petroleum refining 50.0 29.3 17.3 1.8 1.5 0.0 12.9 7.0 80.0 98.0 8.0Primary/fabricated metals 66.3 20.2 8.8 4.7 0.0 0.0 29.6 11.0 59.4 250.8 0.0Machinery 67.9 20.8 8.7 2.5 0.1 0.0 6.2 17.4 76.4 98.9 0.0Transportation equipment 15.2 20.0 16.0 32.7 16.1 0.0 74.6 0.4 25.1 100.0 5.9Other manufacturing 34.6 37.2 26.8 1.3 0.1 0.0 28.7 50.8 20.4 97.7 3.9

Services 52.1 30.7 13.5 3.6 0.3 0.0 74.9 8.4 16.7 98.2 12.5Fin/ins/real estate/trade 53.9 34.0 8.8 3.2 0.0 0.0 83.7 8.7 7.5 100.0 7.0Health care 48.0 29.6 17.7 4.1 0.7 0.0 29.6 22.1 48.3 98.9 3.0Transportation 61.6 27.4 9.5 1.3 0.2 0.0 81.9 6.2 11.9 92.9 20.4Communication & utilit ies 35.2 29.0 27.5 7.6 0.7 0.0 66.0 4.7 29.4 99.8 16.8

Other single groups 51.4 19.1 18.7 10.7 0.0 0.0 55.1 2.0 42.9 98.5 12.7Multiple group occup, primarily 50.1 24.8 17.3 7.1 0.7 0.5 63.6 16.0 19.8 98.4 10.2

Educational 46.6 27.1 17.9 8.1 0.3 1.0 66.5 13.9 18.7 98.8 11.0Military 49.2 22.3 19.0 8.5 1.0 0.0 73.7 14.2 12.0 98.2 13.1Fed/state/local government 57.3 24.7 14.7 2.7 0.6 0.1 66.9 16.6 16.4 98.3 6.5Manufacturing 45.1 23.6 18.6 11.7 1.0 0.4 68.3 8.8 22.5 98.7 16.5

Chemical 34.3 18.1 25.3 20.5 1.8 0.7 81.7 2.8 14.8 100.2 29.0Petroleum refining 61.9 24.5 9.5 3.6 0.6 0.0 68.5 3.7 27.8 97.1 10.1Primary/fabricated metals 45.9 35.0 14.7 3.7 0.6 0.0 26.2 31.1 42.6 98.0 0.6Machinery 44.2 40.1 12.5 2.5 0.6 2.8 18.9 20.7 57.7 88.1 3.1Transportation equipment 53.9 16.8 16.5 12.4 0.4 0.9 74.2 6.6 18.2 99.9 12.3Other manufacturing 44.1 26.3 18.6 10.1 0.9 0.0 67.6 10.3 22.0 100.5 15.6

Services 50.7 25.9 16.0 6.8 0.6 1.7 52.7 10.2 35.4 99.1 5.2Fin/ins/real estate/trade 51.6 26.3 19.4 2.4 0.2 0.0 40.2 15.7 44.1 98.5 5.6Health care 52.4 34.6 10.2 2.4 0.5 0.0 37.2 9.9 52.9 99.2 3.8Transportation 51.0 35.1 10.0 1.8 2.1 0.0 17.6 28.4 54.0 97.3 3.1Communications/utilit ies 50.0 21.6 18.2 9.8 0.4 3.0 67.4 5.6 24.0 100.9 5.9

Faith-based 51.5 26.9 13.4 6.6 1.6 0.0 39.8 10.3 49.9 100.4 4.9Other multiple groups 44.5 24.0 20.9 9.5 1.0 0.2 49.6 33.6 16.5 97.9 12.4

National total 11.3%

Non-FAS 115

98.2%47.1% 24.9% 9.1% 1.1%17.8%

Less than1 yr. REMICS

CMOs &

1 - 3 yrs. 3 - 5 yrs.


of HTMHTM

Fair value

amort. cost

Maturity of surplus funds

FAS 15

FAS 115 classification of investments

5 - 10 yrs. 10 yrs.Greater than Available

19.4%

Trading for sale

64.7%0.3% 15.6%

HTM

Section 2 -


embership


(55)

By type of membershipCommunity urban/rural 16.3 17.7 5.9 37.0 21.2 1.9 10,623Associational 16.1 25.0 6.4 32.9 17.9 1.8 9,847

Religious 19.1 23.7 3.9 31.0 20.8 1.4 7,415Fraternal 10.1 21.3 6.3 42.6 18.0 1.7 10,217Other assoc.,incl low income 16.2 25.8 7.0 32.0 17.2 1.9 10,643

Single group occupational 7.8 20.2 7.1 44.8 18.5 1.6 10,181Educational 8.4 20.7 6.1 45.2 19.1 0.4 12,287Military 0.1 26.3 8.5 43.6 20.4 1.2 8,579Fed/local government 15.2 17.4 6.6 44.3 15.7 0.8 9,501Manufacturing 13.0 19.4 8.4 42.1 16.0 1.0 13,823

Chemicals 12.0 28.6 6.6 33.8 18.1 0.9 17,651Petroleum refining 29.0 8.8 3.2 47.3 11.5 0.3 10,381Primary/fabricated metals 11.8 17.7 7.5 55.2 6.4 1.4 8,395Machinery 15.4 20.2 4.0 30.4 27.7 2.3 12,380Transportation equipment 9.8 24.5 7.2 46.8 8.2 3.6 11,333Other manufacturing 13.1 10.1 11.8 51.5 12.8 0.7 12,777

Services 12.6 11.2 4.8 49.5 17.7 4.3 12,651Fin/ins/real estate/trade 12.1 12.6 3.2 50.4 20.0 1.6 15,174Health care 17.6 10.1 3.4 55.7 11.5 1.6 6,780Transportation 12.7 10.1 5.5 46.7 16.3 8.8 13,884Communication & utilit ies 10.1 11.7 7.3 50.2 19.9 0.8 12,446

Other single groups 14.2 15.2 6.2 35.8 27.4 1.1 18,585Multiple group occup, primarily 15.0 19.3 6.8 33.4 23.6 1.9 10,429

Educational 17.7 15.3 5.6 40.1 19.9 1.4 9,996Military 15.0 30.6 7.9 23.9 21.9 0.7 9,993Fed/state/local government 14.5 15.4 7.4 29.8 31.1 1.8 11,866Manufacturing 13.3 20.3 6.2 34.5 23.6 2.0 11,518

Chemical 14.8 17.0 5.6 36.9 22.7 3.0 10,876Petroleum refining 11.8 23.2 6.0 30.9 27.5 0.7 13,869Primary/fabricated metals 16.5 18.9 7.4 41.5 11.6 4.2 8,488Machinery 10.1 10.0 6.4 47.8 24.1 1.5 11,065Transportation equipment 14.1 23.9 7.1 28.4 25.5 0.9 11,744Other manufacturing 12.8 19.5 5.8 36.7 22.7 2.6 11,520

Services 14.3 15.5 6.4 43.8 17.7 2.4 9,167Fin/ins/real estate/trade 17.4 16.8 8.4 37.1 16.8 3.5 8,745Health care 16.6 11.5 5.1 47.8 17.8 1.2 7,913Transportation 12.9 23.0 8.4 41.3 9.7 4.8 8,169Communications/utilit ies 13.5 15.0 6.0 44.5 18.9 2.0 9,740

Faith-based 17.8 21.7 5.1 36.2 17.3 1.9 9,392Other multiple groups 15.0 18.3 6.9 34.2 21.5 4.1 9,398



21.6% 1.9%14.6% 18.8%

Percent of total savingsTotal savings

Regular sharesMoney market

shares

1 Some credit unions sweep share draft balances into the regular share balances weekly to reduce reserve requirements. This causes a distortion (i.e. total share draft balances appear smaller than they otherwise would be) where the last business day of the month lands on Friday, as was the case in August and September 2018.

Share drafts per memberOtherCertificates IRAs

6.4% 36.8%

Section 2 -


embership


(56)

By type of membershipCommunity urban/rural 2,932 26,794 16,057 3,506 38,062 7,873Associational 3,157 35,159 19,500 3,454 18,997 2,054

Religious 2,503 31,909 15,519 3,543 51,494 2,209Fraternal 3,285 33,095 22,612 4,218 29,274 4,210Other assoc.,incl low income 3,400 36,237 19,852 3,325 15,371 1,907

Single group occupational 2,878 21,160 17,405 3,182 34,015 5,423Educational 1,659 28,728 18,741 4,422 34,207 4,031Military 3,362 18,428 15,411 2,104 31,113 2,760Fed/local government 2,776 20,395 16,909 3,930 30,968 2,633Manufacturing 3,264 28,911 24,332 4,954 39,124 5,450

Chemicals 3,162 34,463 16,065 5,171 45,640 5,678Petroleum refining 10,360 30,749 25,196 5,037 61,650 223,653Primary/fabricated metals 2,400 24,323 21,970 4,363 30,136 4,097Machinery 2,420 24,284 14,487 2,541 36,469 13,946Transportation equipment 2,587 21,889 18,511 4,819 52,353 3,759Other manufacturing 3,683 22,401 38,719 5,694 33,266 4,074

Services 3,867 26,733 21,357 5,496 44,079 21,677Fin/ins/real estate/trade 7,654 45,601 30,025 6,942 52,870 22,939Health care 2,892 17,528 13,739 3,096 29,350 2,138Transportation 3,118 21,086 18,361 5,733 36,562 49,085Communication & utilit ies 3,248 23,741 26,590 5,551 58,120 4,679

Other single groups 3,798 43,673 25,079 5,764 43,167 12,316Multiple group occup, primarily 2,840 27,157 17,135 3,108 35,274 6,129

Educational 2,954 22,434 14,467 3,540 35,297 8,566Military 3,301 33,250 16,616 2,192 38,079 7,623Fed/state/local government 3,036 26,025 19,055 3,305 34,822 3,689Manufacturing 2,787 33,358 19,313 3,533 39,446 9,807

Chemical 2,913 27,758 18,183 3,504 21,649 5,253Petroleum refining 3,294 37,938 22,643 3,820 52,858 16,975Primary/fabricated metals 2,660 26,360 17,905 3,186 33,398 5,202Machinery 1,969 14,862 16,320 4,789 52,555 2,961Transportation equipment 3,310 35,429 18,513 2,999 50,857 9,342Other manufacturing 2,452 35,818 20,274 3,735 39,507 27,993

Services 2,374 23,314 17,789 3,220 34,054 8,141Fin/ins/real estate/trade 2,459 20,210 16,284 2,621 29,754 5,420Health care 2,785 19,099 15,250 3,174 42,583 2,786Transportation 2,259 28,976 20,559 2,984 37,889 13,622Communications/utilities 2,288 23,769 18,208 3,373 33,212 10,761

Faith-based 3,890 27,303 12,939 3,249 38,504 3,726Other multiple groups 2,373 21,872 15,605 2,880 29,907 6,418

National total $2,897 $25,950 $16,708 $3,308 $35,977 $6,555

Share drafts Certificates IRAs


All otherRegular Money marketshares & accountsshares shares

Section 2 -


embership


(57)





Services 63.9 65.5 49.1 100.0 31.7 35.1 9.9Fin/ins/real estate/trade 63.2 61.4 50.9 100.0 31.6 36.8 12.3Health care 72.4 74.1 50.9 100.0 40.5 38.8 8.6Transportation 61.2 60.0 48.2 100.0 24.7 31.8 9.4Communication & utilit ies 58.3 63.0 47.2 100.0 28.3 33.1 10.2




Services 89.2 87.0 72.4 100.0 48.2 44.3 14.4Fin/ins/real estate/trade 93.6 91.5 87.2 100.0 57.4 40.4 19.1Health care 91.4 85.9 63.3 100.0 46.9 40.6 9.4Transportation 86.9 79.8 69.0 100.0 40.5 46.4 10.7Communications/utilities 87.3 90.7 77.3 100.0 50.7 47.3 19.3


National total 48.1%80.0% 100.0%

Regular shares

68.6%81.4% 51.7%

Share drafts shares shares & accounts Borrowings

17.5%


Certificates IRAsMoney market All other

Section 2 -


embership


(58)











National total 2.4%6.2%

Regular shares

8.1%

All otherBorrowings

15.0% 22.5%18.1% 35.1%

Certificates shares

Table 25Funding sources

(Items as a percent of total funding at using credit unions)

IRAsShare draftsMoney market

shares & accounts

Section 2 -


embership


(59)



Single group occupational 67.0 0.1 10.4 8.7 13.9 0.2 1.9 74.7Educational 61.5 0.0 17.2 6.9 14.3 0.2 1.3 68.9Military 71.2 0.0 6.7 7.8 14.6 -0.2 0.0 70.6Fed/local government 62.1 0.0 11.8 12.0 13.5 0.7 1.9 74.7Manufacturing 63.7 1.7 14.7 10.0 12.4 0.8 3.1 74.8

Chemicals 72.3 4.2 11.7 7.2 12.9 0.1 2.6 64.1Petroleum refining 74.2 0.0 10.6 7.4 8.8 -1.0 0.0 69.2Primary/fabricated metals 66.5 0.0 10.7 15.8 6.9 0.2 2.9 79.4Machinery 58.0 0.0 5.1 13.1 24.0 -0.3 7.7 84.6Transportation equipment 52.1 0.3 25.7 12.0 10.4 0.1 8.3 75.0Other manufacturing 56.6 0.1 21.1 11.0 9.0 2.3 2.4 75.3







National total 2.0% 84.6%63.3% 0.0% 9.5% 11.9% 14.8% 0.6%

operatingFee

Table 26Income items as a percent of total income

Percent of total incomeOperating income items

income operating income

% of CUsgiving interest

refundNon-operating

income

% of CUs withpositive other

Other

incomeinterestLoan interest

refund incomeInvestmentTotal loan

Section 2 -


embership


(60)

By type of membershipCommunity urban/rural 63.5 6.6 9.6 1.6 18.7 94.0Associational 59.5 6.6 13.1 1.8 18.9 79.0




Services 56.1 5.3 18.2 0.3 20.1 83.4Fin/ins/real estate/trade 45.7 4.1 22.1 0.3 27.7 86.0Health care 77.3 6.2 4.9 0.1 11.5 83.6Transportation 55.4 6.6 20.2 0.0 17.8 77.6Communication & utilit ies 61.7 3.5 16.1 1.0 17.7 85.8




Services 65.3 10.1 10.5 1.5 12.6 87.0Fin/ins/real estate/trade 70.3 6.2 9.7 0.9 12.9 87.2Health care 71.6 5.4 6.6 0.3 16.1 87.5Transportation 68.9 28.4 12.7 1.2 -11.2 84.5Communications/utilit ies 62.5 8.8 11.0 1.9 15.8 88.0


National total 8.7% 10.5%60.3%

on savingsfor

loan lossOperating interestexpenses net income

88.0%

positive

18.6%

Net income

1.9%

Interest onborrowings

Table 27Distribution of total income

% of CUs withDividends,ProvisionsPercent of total income

Section 2 -


embership


(61)

By type of membershipCommunity urban/rural 51.1 1.0 6.9 18.5 4.1Associational 54.1 1.6 6.3 16.3 4.4

Religious 52.6 1.3 5.4 17.7 4.5Fraternal 53.2 1.1 5.5 14.0 2.3Other assoc.,incl low income 54.7 1.7 6.7 16.3 4.6

Single group occupational 50.2 0.7 5.2 17.3 4.2Educational 53.0 0.9 5.5 21.2 2.8Military 50.9 0.4 4.4 15.0 5.6Fed/local government 47.9 0.9 5.7 19.8 3.7Manufacturing 51.3 1.2 5.5 18.9 2.5

Chemicals 54.3 0.7 5.0 21.8 3.1Petroleum refining 47.6 1.2 6.0 17.3 2.4Primary/fabricated metals 50.9 1.4 6.2 19.4 1.9Machinery 49.5 1.7 6.0 16.7 1.8Transportation equipment 43.2 1.7 5.5 14.9 4.6Other manufacturing 50.0 1.3 5.6 17.2 2.1

Services 49.2 1.0 6.5 17.6 2.8Fin/ins/real estate/trade 46.8 0.8 6.8 16.1 1.3Health care 47.2 1.0 5.8 20.3 2.8Transportation 50.7 0.9 6.6 18.4 3.8Communication & utilit ies 51.5 1.2 6.3 15.1 2.5

Other single groups 47.5 1.4 8.0 16.4 1.6Multiple group occup, primarily 51.6 1.0 6.6 19.0 3.5

Educational 50.5 0.9 7.2 18.0 4.7Military 51.3 0.7 6.5 20.7 3.7Fed/state/local government 53.9 1.0 6.4 19.5 2.5Manufacturing 52.4 1.1 6.4 18.2 3.1

Chemical 52.0 1.1 5.0 23.4 3.8Petroleum refining 51.3 1.5 6.1 18.8 2.7Primary/fabricated metals 48.8 1.0 6.9 17.7 2.9Machinery 50.3 1.1 6.3 16.0 4.5Transportation equipment 53.4 1.2 7.0 18.2 3.1Other manufacturing 52.9 1.0 6.4 16.4 2.9

Services 49.1 1.0 6.3 17.8 3.6Fin/ins/real estate/trade 50.5 1.1 5.9 22.1 3.3Health care 48.8 1.0 6.1 20.9 2.9Transportation 46.3 0.9 6.1 14.5 2.6Communications/utilit ies 49.3 1.0 6.5 16.7 4.0

Faith-based 49.6 1.4 5.9 22.4 3.8Other multiple groups 50.6 1.1 6.6 19.0 3.7

National total

occupancy operationsfringes

3.9%51.2% 1.0% 6.5% 18.5%

conference promotional



Educational,Office OfficeCompensation, Travel,

Section 2 -


embership


(62)

By type of membershipCommunity urban/rural 7.0 8.3 0.0 0.4 2.6Associational 7.0 7.0 0.1 0.6 2.5




Services 9.7 8.6 0.0 0.7 4.0Fin/ins/real estate/trade 18.4 5.5 0.0 0.9 3.4Health care 4.9 14.4 0.0 0.6 3.0Transportation 7.3 6.4 0.0 0.5 5.3Communication & utilit ies 7.3 12.3 0.1 0.9 2.7


Educational 7.6 8.1 0.1 0.6 2.3Military 7.1 5.9 0.0 0.4 3.7Fed/state/local government 5.6 7.9 0.1 0.5 2.6Manufacturing 6.7 9.4 -0.1 0.6 2.2

Chemical 6.3 5.9 0.0 0.7 1.9Petroleum refining 6.8 10.3 -0.7 0.8 2.4Primary/fabricated metals 7.7 12.3 0.0 0.7 1.9Machinery 7.9 11.8 0.0 0.8 1.3Transportation equipment 5.6 8.5 0.0 0.5 2.5Other manufacturing 7.3 10.4 0.0 0.5 2.1

Services 6.5 10.3 0.0 0.6 4.9Fin/ins/real estate/trade 4.9 8.9 0.1 0.7 2.7Health care 6.2 11.4 0.2 0.7 1.9Transportation 6.2 11.9 0.0 0.6 10.9Communications/utilit ies 6.9 10.0 0.0 0.5 5.0


National total

insurance feesservicing

3.3%7.0% 8.1% 0.0% 0.5%

outside services expenses



OtherMember OperatingLoan Professional &

Section 2 -


embership


(63)

Credit Other First

By type of membership cards unsecured New Used Leases mortgageCommunity urban/rural 10.4 11.1 3.7 4.3 3.7 4.5Associational 11.3 11.9 3.6 4.9 3.9 4.5




Services 11.2 11.1 2.8 3.1 4.3 4.2Fin/ins/real estate/trade 13.4 9.2 3.0 3.1 4.2 3.6Health care 10.2 11.4 3.3 4.2 4.4 4.3Transportation 10.6 13.4 2.5 2.7 0.0 4.5Communication & utilities 10.2 9.8 3.0 3.5 0.0 4.3




Services 10.7 10.8 3.5 4.2 3.7 4.4Fin/ins/real estate/trade 10.3 11.8 3.4 3.7 4.0 4.3Health care 10.4 10.6 3.6 4.5 0.0 4.4Transportation 10.2 10.8 3.8 4.7 4.2 4.8Communications/utilities 10.8 10.7 3.5 4.1 3.6 4.4


National total 11.1% 11.4% 3.6% 4.2% 3.7% 4.4%

Table 29Average rates charged on loans(During the last week of September 2018)

Auto

Section 2 -


embership


(64)

Money market CertificatesBy type of membership Regular shares Share drafts IRAs shares 1 yr maturityCommunity urban/rural 0.2 0.3 1.1 0.5 1.5Associational 0.3 0.3 1.4 0.5 1.8




Services 0.7 0.2 1.2 0.7 1.6Fin/ins/real estate/trade 0.7 0.2 1.4 0.6 1.3Health care 0.2 0.2 0.9 0.4 1.0Transportation 1.0 0.1 1.2 0.8 1.9Communication & utilities 0.5 0.5 1.0 0.8 1.5


Educational 0.2 0.2 1.1 0.5 1.6Military 0.6 0.2 1.5 0.5 2.1Fed/state/local government 0.4 0.2 1.4 0.9 1.7Manufacturing 0.1 0.6 1.0 0.6 1.5

Chemical 0.1 0.2 0.6 0.3 1.2Petroleum refining 0.3 0.1 1.8 0.8 2.0Primary/fabricated metals 0.1 0.1 1.0 0.4 1.5Machinery 0.2 1.3 0.8 0.6 1.8Transportation equipment 0.2 0.2 1.0 0.7 2.0Other manufacturing 0.1 0.8 1.0 0.5 1.1

Services 0.3 0.4 1.2 0.7 1.4Fin/ins/real estate/trade 0.2 0.2 1.3 0.6 1.4Health care 0.2 0.2 1.0 0.5 1.2Transportation 0.2 0.9 1.0 0.7 1.4Communications/utilities 0.3 0.5 1.3 0.7 1.5


National total 0.3% 0.3% 1.2% 0.6% 1.6%


Section 2 -


embership


(65)

By type of membershipCommunity urban/rural 86.1 25.5 12,540 74.34 0.21 383 6.95 0.02 4,096Associational 81.5 30.1 11,569 11.54 0.21 411 2.06 0.04 2,304

Religious 80.2 29.6 8,566 4.35 0.23 506 1.30 0.07 1,696Fraternal 72.8 40.3 11,954 6.83 0.17 480 3.28 0.08 999Other assoc.,incl low income 83.0 28.9 12,562 23.51 0.21 379 2.67 0.02 3,340

Single group occupational 84.4 32.4 12,663 25.64 0.16 486 2.50 0.02 4,992Educational 68.0 45.3 14,468 14.28 0.14 485 2.82 0.03 2,453Military 104.3 21.5 11,752 954.29 0.17 503 53.47 0.01 8,977Fed/local government 75.6 35.7 11,010 16.17 0.18 493 1.97 0.02 4,044Manufacturing 73.6 39.2 16,161 10.97 0.16 383 1.40 0.02 3,006

Chemicals 84.1 28.1 20,382 30.85 0.15 330 1.59 0.01 6,399Petroleum refining 80.6 30.9 12,039 5.92 0.20 406 1.23 0.04 1,953Primary/fabricated metals 79.3 35.8 9,991 6.53 0.21 474 1.82 0.06 1,696Machinery 99.5 15.7 14,958 16.04 0.21 325 1.35 0.02 3,872Transportation equipment 58.5 59.2 13,671 6.25 0.15 476 1.67 0.04 1,786Other manufacturing 56.1 56.3 14,946 7.24 0.16 431 1.27 0.03 2,459

Services 68.2 44.3 14,636 14.28 0.14 493 1.51 0.01 4,662Fin/ins/real estate/trade 60.4 52.3 17,512 22.05 0.09 630 0.89 0.00 15,535Health care 68.5 41.7 7,787 9.28 0.26 490 1.54 0.04 2,948Transportation 77.5 33.9 15,894 26.25 0.15 431 2.32 0.01 4,887Communication & utilities 62.1 53.4 14,928 7.35 0.15 456 1.21 0.02 2,765

Other single groups 80.3 29.1 21,318 30.50 0.13 371 2.90 0.01 3,904Multiple group occup, primarily 84.3 27.9 12,362 57.30 0.20 406 4.41 0.02 5,279

Educational 80.6 30.0 11,716 53.79 0.21 411 4.63 0.02 4,772Military 96.4 17.7 12,112 333.06 0.19 446 18.39 0.01 8,068Fed/state/local government 73.3 35.9 13,528 60.14 0.19 387 3.54 0.01 6,578Manufacturing 92.9 25.6 14,465 48.72 0.18 375 3.79 0.01 4,817

Chemical 87.2 40.8 15,361 41.33 0.16 414 4.58 0.02 3,735Petroleum refining 89.3 22.0 16,123 37.39 0.16 385 1.95 0.01 7,380Primary/fabricated metals 77.3 32.6 9,798 26.14 0.28 363 3.81 0.04 2,492Machinery 87.3 25.0 13,224 33.25 0.21 355 4.71 0.03 2,508Transportation equipment 103.7 15.5 14,650 115.13 0.18 374 7.42 0.01 5,795Other manufacturing 90.9 27.0 14,429 45.50 0.19 365 2.92 0.01 5,679

Services 84.0 29.1 10,886 26.82 0.20 450 2.53 0.02 4,777Fin/ins/real estate/trade 80.3 33.7 10,448 30.34 0.24 395 1.26 0.01 9,553Health care 69.7 40.5 9,153 13.92 0.25 437 1.70 0.03 3,588Transportation 82.6 30.3 9,704 15.27 0.25 419 1.62 0.03 3,955Communications/utilities 87.7 25.9 11,616 43.19 0.18 472 4.15 0.02 4,918

Faith-based 78.0 29.6 10,575 15.98 0.27 356 4.03 0.07 1,412Other multiple groups 83.9 26.9 10,969 74.45 0.23 393 6.93 0.02 4,224

National total $12,479 52.03 0.20 405 4.65 0.02 4,52685.2% 27.5%

PTE

Full-time employees Part-time employees

FTE of assetscredit union credit unionof assets


Per $1 mil. Members/Members/Per PerSurplus funds/

savings andborrowings

Per $1 mil.Loans/savings

Assets permember

Section 2 -


embership


(66)S

ection 2 -O


bership

By type of membershipCommunity urban/rural 5.3 30.8 89.4 1.9 43.8 37.7 14.6 0.9 78.3 66.0 96.0 22.4 49.0 13.4Associational 1.5 11.9 39.6 0.3 7.5 6.7 3.6 0.0 16.1 16.3 36.3 3.9 10.4 3.4

Religious 1.1 9.7 33.3 0.0 6.7 4.1 3.1 0.0 11.3 9.2 20.0 1.5 8.2 2.1Fraternal 1.2 9.4 41.5 0.0 9.4 11.3 1.9 0.0 22.6 26.4 49.1 3.8 11.3 5.7Other assoc.,incl low income 2.1 15.9 47.8 0.7 8.0 8.7 5.1 0.0 20.3 22.5 54.3 7.2 13.0 4.3

Single group occupational 1.9 14.1 54.3 0.3 8.5 6.4 3.5 0.1 25.6 27.3 53.7 4.4 16.8 3.1Educational 1.6 14.7 50.4 0.4 8.0 6.3 1.7 0.0 23.1 23.1 44.1 2.9 11.3 2.9Military 20.0 11.8 64.7 0.0 11.8 17.6 5.9 5.9 35.3 29.4 70.6 5.9 17.6 5.9Fed/local government 1.7 14.3 51.3 0.0 7.2 5.7 3.8 0.0 26.8 28.5 54.9 3.4 17.4 2.3Manufacturing 1.6 12.6 56.1 0.0 7.8 5.4 2.7 0.0 21.4 19.0 46.6 5.1 13.6 3.4

Chemicals 2.1 15.4 53.8 0.0 12.8 12.8 5.1 0.0 23.1 25.6 48.7 5.1 17.9 2.6Petroleum refining 1.2 7.7 69.2 0.0 7.7 0.0 7.7 0.0 7.7 7.7 30.8 7.7 38.5 0.0Primary/fabricated metals 1.7 17.6 50.0 0.0 11.8 0.0 2.9 0.0 26.5 20.6 47.1 0.0 2.9 5.9Machinery 2.6 7.7 69.2 0.0 11.5 7.7 3.8 0.0 30.8 30.8 65.4 3.8 15.4 7.7Transportation equipment 1.8 16.7 58.3 0.0 8.3 8.3 0.0 0.0 33.3 0.0 33.3 8.3 8.3 0.0Other manufacturing 1.4 11.8 54.7 0.0 5.3 4.7 1.8 0.0 18.8 17.6 45.3 5.9 12.9 2.9

Services 1.8 15.3 58.4 0.8 10.6 7.0 4.9 0.0 28.6 34.3 62.6 5.7 21.3 3.6Fin/ins/real estate/trade 1.7 14.0 56.1 1.8 24.6 19.3 5.3 0.0 29.8 38.6 63.2 12.3 24.6 8.8Health care 1.9 19.8 68.1 1.7 8.6 4.3 5.2 0.0 38.8 38.8 70.7 4.3 24.1 0.9Transportation 2.1 15.3 56.5 0.0 7.1 4.7 5.9 0.0 17.6 34.1 58.8 4.7 21.2 3.5Communication & utilit ies 1.5 11.8 52.0 0.0 8.7 5.5 3.9 0.0 26.0 28.3 57.5 4.7 17.3 3.9

Other single groups 2.4 0.0 60.0 0.0 10.0 20.0 0.0 0.0 20.0 40.0 60.0 10.0 30.0 10.0Multiple group occup, primarily 4.1 21.7 79.0 1.6 24.6 20.3 7.7 0.9 55.4 52.0 87.1 10.9 33.1 7.5

Educational 3.7 19.2 79.6 2.1 26.7 19.8 7.2 1.2 57.7 49.8 84.1 11.1 32.4 6.6Military 15.4 39.2 88.2 3.9 60.8 64.7 35.3 3.9 82.4 86.3 98.0 39.2 70.6 9.8Fed/state/local government 3.9 21.4 83.2 1.0 22.5 17.3 8.0 1.6 54.0 58.4 89.7 9.3 33.3 8.8Manufacturing 4.1 22.0 81.3 1.8 24.0 19.3 9.2 0.3 55.2 43.0 88.1 9.2 31.5 8.0

Chemical 3.5 26.9 76.9 0.0 30.8 28.8 3.8 0.0 50.0 42.3 84.6 9.6 26.9 9.6Petroleum refining 3.6 17.1 75.6 7.3 22.0 19.5 4.9 0.0 48.8 36.6 78.0 9.8 17.1 2.4Primary/fabricated metals 3.3 13.5 73.0 0.0 16.2 13.5 5.4 0.0 48.6 40.5 91.9 2.7 18.9 8.1Machinery 2.8 20.8 79.2 0.0 16.7 8.3 12.5 0.0 54.2 45.8 83.3 12.5 33.3 16.7Transportation equipment 7.7 39.5 84.2 2.6 42.1 34.2 10.5 0.0 71.1 60.5 92.1 23.7 50.0 5.3Other manufacturing 4.0 19.3 86.2 1.4 20.7 15.2 12.4 0.7 56.6 40.7 91.0 6.2 35.2 8.3

Services 2.7 21.5 74.8 1.7 18.8 15.2 5.6 0.5 52.3 48.2 88.0 6.4 28.4 5.6Fin/ins/real estate/trade 3.1 25.5 74.5 2.1 17.0 12.8 6.4 0.0 57.4 55.3 91.5 10.6 29.8 6.4Health care 2.4 14.1 78.9 0.0 16.4 11.7 4.7 0.8 51.6 50.0 89.1 3.9 28.9 6.3Transportation 1.9 16.7 73.8 1.2 13.1 8.3 7.1 0.0 51.2 34.5 86.9 7.1 20.2 3.6Communications/utilit ies 3.4 29.3 72.0 3.3 24.7 22.7 5.3 0.7 52.0 52.0 86.7 6.7 32.0 6.0

Faith-based 2.4 13.8 58.6 0.0 13.8 12.1 0.0 0.0 36.2 37.9 55.2 12.1 25.9 6.9Other multiple groups 5.3 23.7 78.1 0.9 31.5 29.2 5.5 0.5 58.9 60.7 90.0 17.4 38.4 9.1

National total 1 Average number of branches per credit union excludes main office.

53.1%

Table 32

Branch information and service offerings% of Credit Unions offering

Aver. # of providing

21.9%

Debt Borrowing

8.8% 0.6%

Interest

mortgages

8.2%48.1% 78.2% 12.8% 32.9%

ATM/Debt

per CU1

branches loans

Direct

3.8 26.1%1.3%73.6%22.3%

branches shared based Financing Lines of card Risk

Cancellation/Approved Insurance/

% of CUs

Protection CreditLeasesMortgage Mortgage Overdraft Repurchase

OverdraftInvestment Brokered

Processing Seller Suspension Agreements sales Depositsprogramonly first


(67)

By type of membershipCommunity urban/rural 1,952 35.2 356.8 28,451 2.5Associational 386 7.0 54.9 4,746 6.0

Religious 195 3.5 18.8 2,200 2.7Fraternal 53 1.0 39.2 3,278 6.0Other assoc.,incl low income 138 2.5 111.9 8,908 10.7

Single group occupational 1,414 25.5 157.7 12,454 6.6Educational 238 4.3 100.2 6,926 6.1Military 17 0.3 5,641.1 479,994 5.4Fed/local government 470 8.5 87.7 7,967 8.4Manufacturing 294 5.3 67.9 4,202 11.0

Chemicals 39 0.7 207.4 10,173 17.0Petroleum refining 13 0.2 28.9 2,404 36.1Primary/fabricated metals 34 0.6 30.9 3,092 31.7Machinery 26 0.5 78.0 5,213 7.4Transportation equipment 12 0.2 40.7 2,977 5.9Other manufacturing 170 3.1 46.7 3,124 8.8

Services 385 6.9 103.0 7,035 9.5Fin/ins/real estate/trade 57 1.0 243.4 13,899 8.0Health care 116 2.1 35.4 4,549 8.3Transportation 85 1.5 180.0 11,325 21.0Communication & utilities 127 2.3 50.0 3,352 5.5

Other single groups 10 0.2 241.4 11,323 2.1Multiple group occup, primarily 1,794 32.3 287.9 23,287 8.0

Educational 333 6.0 258.9 22,099 6.0Military 51 0.9 1,797.4 148,393 12.9Fed/state/local government 387 7.0 315.0 23,285 10.5Manufacturing 337 6.1 264.2 18,267 8.8

Chemical 52 0.9 262.6 17,093 10.1Petroleum refining 41 0.7 232.2 14,400 9.1Primary/fabricated metals 37 0.7 93.1 9,498 5.7Machinery 24 0.4 156.2 11,810 3.7Transportation equipment 38 0.7 630.0 43,006 8.0Other manufacturing 145 2.6 239.6 16,605 11.7

Services 409 7.4 131.5 12,076 8.2Fin/ins/real estate/trade 47 0.8 125.3 11,992 11.4Health care 128 2.3 55.7 6,083 10.5Transportation 84 1.5 62.1 6,404 6.4Communications/utilit ies 150 2.7 236.9 20,393 7.7

Faith-based 58 1.0 60.2 5,696 4.9Other multiple groups 219 3.9 321.2 29,280 5.5

National total 5,547 $262.7 21,048

in sample

Assets percredit union


Number ofcredit unions Percent of

credit unionsMembers/

3.8%100.0%

potential membersMembers percredit union($ in millions)

Section 2 -


embership


(68)

By type of membershipCommunity urban/rural 1,992 700.62 47.8 56.01 47.6Associational 394 21.32 1.5 1.85 1.6

Religious 199 3.70 0.3 0.43 0.4Fraternal 54 2.09 0.1 0.18 0.1Other assoc.,incl low income 141 15.54 1.1 1.24 1.1

Single group occupational 1,443 224.34 15.3 17.76 15.1Educational 243 23.99 1.6 1.66 1.4Military 17 96.48 6.6 8.23 7.0Fed/local government 480 41.48 2.8 3.78 3.2Manufacturing 300 20.09 1.4 1.25 1.1

Chemicals 40 8.14 0.6 0.40 0.3Petroleum refining 13 0.38 0.0 0.03 0.0Primary/fabricated metals 35 1.06 0.1 0.11 0.1Machinery 27 2.04 0.1 0.14 0.1Transportation equipment 12 0.49 0.0 0.04 0.0Other manufacturing 174 7.99 0.5 0.54 0.5

Services 393 39.88 2.7 2.73 2.3Fin/ins/real estate/trade 58 13.96 1.0 0.80 0.7Health care 118 4.13 0.3 0.53 0.5Transportation 87 15.39 1.1 0.97 0.8Communication & utilities 130 6.39 0.4 0.43 0.4

Other single groups 10 2.43 0.2 0.11 0.1Multiple group occup, primarily 1,831 519.55 35.4 42.13 35.8

Educational 340 86.74 5.9 7.42 6.3Military 52 92.22 6.3 7.63 6.5Fed/state/local government 395 122.64 8.4 9.09 7.7Manufacturing 344 89.58 6.1 6.21 5.3

Chemical 53 13.74 0.9 0.90 0.8Petroleum refining 42 9.58 0.7 0.60 0.5Primary/fabricated metals 38 3.46 0.2 0.35 0.3Machinery 24 3.77 0.3 0.29 0.2Transportation equipment 39 24.09 1.6 1.65 1.4Other manufacturing 148 34.95 2.4 2.43 2.1

Services 417 54.09 3.7 4.98 4.2Fin/ins/real estate/trade 48 5.92 0.4 0.57 0.5Health care 131 7.17 0.5 0.79 0.7Transportation 86 5.25 0.4 0.54 0.5Communications/utilities 153 35.75 2.4 3.09 2.6

Faith-based 59 3.51 0.2 0.33 0.3Other multiple groups 224 70.76 4.8 6.47 5.5

National total 5,662 $1,465.84 117.75100.0% 100.0%

Members(millions)

Percent ofmembers


Projected numberof credit unions ($ billions)

Assets Percentof assets

Section 2 -


embership

Operating Ratios By State

First nine months 2018 operating ratios by state

(72)S

ection 3 -O

perating ratios by state

Allowance for Fixed OtherBy state Loans Loan Loss Assets AssetsAlabama 54.8 0.5 1.1 39.3 2.6 2.7Alaska 81.3 0.7 1.3 11.6 2.7 3.8Arizona 66.8 0.6 0.6 27.7 2.5 2.9Arkansas 69.1 0.4 1.1 24.3 2.4 3.6California 68.9 0.5 0.5 26.9 1.2 2.9Colorado 75.8 0.5 0.6 19.5 1.7 2.9Connecticut 63.3 0.4 0.6 32.6 1.3 2.6Delaware 57.4 0.7 1.0 36.0 3.2 3.1District of Columbia 58.1 0.5 0.3 39.4 0.3 2.5Florida 69.8 0.7 0.9 24.6 2.6 2.8Georgia 71.4 0.5 0.9 23.0 1.7 3.4Hawaii 51.2 0.7 0.4 44.4 2.6 2.1Idaho 84.6 0.5 0.8 8.3 3.8 3.0Illinois 69.7 0.5 0.5 26.2 1.3 2.8Indiana 74.6 0.6 0.9 20.2 1.9 3.0Iowa 83.9 0.5 0.6 11.7 2.1 2.3Kansas 77.5 0.7 0.8 17.1 2.4 2.9Kentucky 70.3 0.7 0.9 23.8 2.2 3.5Louisiana 70.6 0.5 1.2 22.3 3.3 3.1Maine 75.5 0.4 1.0 18.3 2.6 3.0Maryland 72.2 0.7 0.7 23.2 1.4 3.2Massachusetts 78.1 0.5 0.4 18.4 1.3 2.3Michigan 69.3 0.5 0.8 25.3 2.6 2.6Minnesota 72.5 0.4 0.6 22.0 2.0 3.3Mississippi 65.8 0.7 1.9 28.1 2.5 2.5Missouri 69.2 0.6 1.1 24.2 2.8 3.3Montana 62.2 0.4 0.8 32.1 2.7 2.6Nebraska 70.2 0.5 0.9 24.4 2.5 2.5Nevada 61.3 0.5 1.1 33.3 1.8 3.0New Hampshire 82.7 0.3 0.6 11.2 2.2 3.6New Jersey 60.2 0.9 0.4 35.5 1.3 3.4New Mexico 69.9 0.5 0.7 25.1 2.1 2.8New York 65.7 0.8 0.6 30.2 1.5 2.8North Carolina 64.0 0.7 1.0 31.2 2.6 1.8North Dakota 72.7 0.9 0.7 21.7 2.5 3.4Ohio 70.6 0.5 0.9 24.1 1.8 3.1Oklahoma 70.7 0.6 0.6 24.7 2.5 2.2Oregon 73.7 0.4 0.7 21.7 1.7 2.6Pennsylvania 66.8 0.5 0.6 28.7 1.9 2.4Puerto Rico 64.5 1.0 0.5 30.9 3.5 1.7Rhode Island 83.3 0.4 0.3 13.1 1.6 2.0South Carolina 73.2 0.6 1.9 18.7 3.4 3.3South Dakota 69.3 0.4 1.0 22.7 4.1 3.2Tennessee 76.0 0.5 1.0 18.4 2.4 2.7Texas 74.2 0.5 0.8 20.5 2.5 2.5Utah 80.6 0.8 0.7 14.0 3.0 2.5Vermont 77.7 0.5 0.8 16.9 2.3 2.7Virginia 76.4 1.2 0.3 18.1 1.9 4.4Washington 74.6 0.6 0.7 19.8 2.2 3.3West Virginia 60.1 0.4 1.2 34.4 2.7 2.0Wisconsin 82.1 0.5 0.6 13.1 2.2 2.5Wyoming 78.2 0.5 0.8 15.0 2.9 3.7

National total 71.5% 0.6% 2.0% 2.9%1 Investments: Includes cash on deposit and cash equivalents.

0.7%

Investments1

23.5%

Table 1Distribution of assets


on handCash


(73)S

ection 3 -O


Other Regular OtherBy state Savings Borrowings Liabilities Reserves ReservesAlabama 87.6 0.3 1.1 3.0 1.9 -1.1 7.3 11.1Alaska 89.3 0.8 1.5 0.7 0.0 -1.4 9.1 8.4Arizona 86.2 1.1 1.7 1.2 0.7 -0.7 9.9 11.1Arkansas 81.4 4.1 0.9 1.5 0.1 -0.2 12.3 13.6California 84.2 3.8 1.2 1.6 1.1 -0.4 8.6 10.9Colorado 84.3 3.0 1.4 0.9 0.4 -0.1 10.0 11.2Connecticut 87.1 2.1 0.9 1.0 1.7 -0.4 7.6 10.0Delaware 88.6 0.5 0.7 1.7 1.8 -0.9 7.4 10.1District of Columbia 86.9 0.8 0.8 1.0 0.1 -0.3 10.7 11.4Florida 84.3 3.7 1.5 1.4 0.6 -0.4 8.9 10.4Georgia 85.5 0.9 1.5 1.2 0.4 -0.5 11.0 12.1Hawaii 87.5 0.2 1.1 1.1 1.5 -0.4 9.0 11.2Idaho 85.7 3.4 1.7 1.4 0.3 -0.2 7.8 9.2Illinois 84.9 3.3 1.0 2.0 0.6 -0.4 8.7 10.8Indiana 83.4 4.4 1.2 3.5 0.2 -0.2 7.3 10.9Iowa 79.5 9.2 1.1 3.1 1.1 -0.1 6.1 10.2Kansas 84.7 2.5 1.3 1.3 1.6 -0.2 8.8 11.4Kentucky 84.8 1.6 1.2 1.1 0.1 -0.5 11.7 12.4Louisiana 85.0 2.8 1.0 2.3 0.6 -0.4 8.6 11.2Maine 85.0 3.4 0.8 2.0 0.4 -0.3 8.7 10.7Maryland 85.8 2.5 1.1 2.1 0.3 -0.5 8.7 10.6Massachusetts 80.5 7.8 0.9 1.2 0.2 -0.2 9.6 10.8Michigan 83.9 3.5 1.2 1.2 1.1 -0.5 9.7 11.5Minnesota 85.9 2.1 1.0 1.4 0.3 -0.4 9.7 11.0Mississippi 84.3 1.0 1.3 1.1 0.1 -0.8 12.9 13.3Missouri 85.0 3.2 1.6 1.5 2.2 -0.5 7.1 10.2Montana 87.1 0.5 0.9 1.5 0.6 -0.4 9.7 11.5Nebraska 84.8 2.4 1.4 3.3 0.4 -0.3 8.1 11.5Nevada 87.5 0.0 1.3 4.5 0.5 -0.4 6.6 11.1New Hampshire 83.3 5.5 1.1 0.8 0.4 -0.4 9.3 10.1New Jersey 84.5 5.2 0.7 1.5 0.8 -0.4 7.6 9.6New Mexico 87.3 0.7 1.2 0.9 0.1 -0.6 10.5 10.9New York 85.1 3.8 1.2 1.4 0.7 -0.8 8.6 9.9North Carolina 89.2 1.1 1.0 3.8 2.4 -0.3 2.7 8.6North Dakota 85.0 1.6 0.7 2.0 1.7 -0.3 9.3 12.7Ohio 85.7 2.2 1.0 1.5 0.5 -0.3 9.3 11.1Oklahoma 83.9 3.9 1.0 1.4 0.1 -0.4 10.2 11.2Oregon 86.5 1.5 1.5 1.6 0.1 -0.1 8.9 10.5Pennsylvania 84.9 2.7 0.9 1.0 0.2 -0.4 10.7 11.4Puerto Rico 86.2 0.0 1.1 1.5 0.1 -0.2 11.2 12.7Rhode Island 81.2 8.1 0.7 1.1 0.1 -0.3 9.1 10.0South Carolina 80.9 5.9 1.4 1.2 0.0 -0.3 10.9 11.8South Dakota 87.1 1.0 1.4 1.2 0.4 -0.3 9.3 10.6Tennessee 83.5 2.9 1.1 2.6 0.2 -0.3 9.9 12.5Texas 85.0 3.2 1.4 1.0 1.2 -0.3 8.6 10.5Utah 86.8 1.5 1.4 0.9 4.5 -0.5 5.3 10.2Vermont 86.8 1.9 1.3 1.1 0.4 -0.4 8.9 10.0Virginia 75.9 11.7 1.6 0.5 7.4 -0.7 3.6 10.9Washington 85.6 2.3 1.3 0.9 0.2 -0.3 10.0 10.8West Virginia 86.1 0.9 0.6 2.2 0.2 -0.2 10.2 12.4Wisconsin 83.7 3.5 1.4 2.7 1.0 -0.2 7.7 11.3Wyoming 85.3 3.3 1.0 1.0 0.9 -0.3 8.8 10.4

National total 83.9% 4.1% 1.2% 1.5% 1.6% 10.8%

(excluding allowancesNet capital

-0.4%

UndividedEarnings

8.1%

Table 2Distribution of liabilities & equity


for loan & inv loss)

Accuml unrealizedgains (losses)

on afs secs


(74)S

ection 3 -O


Loansheld

By state for saleAlabama 4.9 5.0 12.4 31.2 0.2 33.1 4.0 0.7 8.0 0.1 5.5Alaska 3.6 1.7 28.0 35.8 0.0 18.8 1.2 0.6 8.8 0.0 11.7Arizona 4.1 2.5 22.0 29.5 0.0 27.7 6.9 2.9 4.3 0.2 7.6Arkansas 4.5 3.3 23.6 34.5 0.0 23.3 0.3 2.4 8.2 0.0 3.6California 4.4 2.9 15.3 16.7 0.0 49.3 6.5 1.9 2.7 0.0 7.4Colorado 2.8 1.9 15.2 25.1 1.3 36.4 9.6 4.5 2.6 0.2 6.8Connecticut 4.3 5.5 11.2 19.9 0.0 41.6 7.9 7.4 2.2 0.0 3.0Delaware 5.3 7.5 18.9 23.6 0.0 28.2 4.5 8.0 3.9 0.1 5.6District of Columbia 3.8 4.8 2.8 3.9 0.0 76.4 5.1 2.2 1.1 0.0 0.6Florida 6.2 3.2 21.3 24.9 0.0 33.6 3.9 2.3 4.3 0.0 5.6Georgia 4.6 3.4 20.6 28.9 0.0 31.3 4.9 1.6 4.6 0.1 6.0Hawaii 3.4 16.3 9.3 8.2 0.0 43.5 14.6 2.3 2.3 0.1 6.8Idaho 3.3 1.8 15.1 26.6 0.0 34.4 5.0 1.1 12.4 0.4 7.5Illinois 4.4 3.5 15.1 22.4 0.1 40.6 4.6 1.9 6.7 0.1 5.5Indiana 2.9 2.4 10.9 28.2 0.5 42.3 4.5 1.9 6.2 5.0 8.5Iowa 3.2 1.8 12.9 25.0 0.0 43.3 3.0 7.0 3.4 0.9 11.5Kansas 3.2 2.4 14.3 47.2 0.0 21.5 5.0 1.7 4.4 1.0 2.5Kentucky 4.1 4.0 11.8 24.3 0.0 38.0 9.6 2.1 5.7 0.1 5.4Louisiana 4.4 8.3 21.9 24.4 0.0 27.9 2.3 1.9 8.9 0.0 5.7Maine 2.8 3.9 5.6 21.2 0.0 49.7 5.4 4.3 7.2 0.1 4.8Maryland 6.8 5.0 14.8 18.5 0.0 36.4 12.8 2.8 2.8 0.0 6.4Massachusetts 3.0 2.8 8.9 16.8 0.0 47.6 8.9 6.0 5.6 0.3 7.9Michigan 4.8 4.3 8.2 23.8 0.6 42.7 4.0 2.8 8.3 0.1 8.0Minnesota 4.0 2.8 8.2 22.5 0.0 41.0 5.0 5.8 10.5 2.8 8.6Mississippi 3.9 7.8 25.7 25.3 0.0 29.5 0.8 0.6 6.4 0.0 5.5Missouri 4.5 3.8 14.4 32.4 0.0 27.7 8.8 2.7 5.3 0.1 3.8Montana 2.6 2.7 9.9 21.4 0.0 44.8 3.3 3.1 12.1 2.6 8.8Nebraska 2.9 5.6 8.8 32.5 0.0 32.4 4.3 5.7 7.3 1.6 2.9Nevada 2.8 2.2 12.6 27.8 0.0 42.2 3.4 1.4 7.1 0.2 11.8New Hampshire 2.8 4.3 19.2 30.5 0.0 34.0 4.9 1.6 2.6 0.0 6.0New Jersey 4.1 6.5 4.5 13.9 4.4 45.6 7.7 7.9 5.4 0.1 7.1New Mexico 4.4 3.6 28.9 23.8 0.0 31.2 2.4 2.6 3.0 0.0 12.1New York 3.7 6.2 9.3 11.1 2.9 44.7 11.2 5.1 5.5 0.0 10.7North Carolina 3.7 5.4 6.6 15.1 0.0 61.3 5.8 0.7 1.4 0.0 3.3North Dakota 1.7 1.2 4.2 15.8 0.0 42.3 1.4 5.5 27.4 29.0 17.3Ohio 4.8 3.2 16.9 26.4 0.7 34.9 4.7 2.6 5.4 0.1 6.3Oklahoma 3.6 3.7 25.6 37.4 0.0 17.6 1.3 2.4 8.4 0.1 2.3Oregon 4.2 1.8 20.2 19.4 0.0 36.0 5.6 3.3 9.3 0.5 7.9Pennsylvania 7.0 5.6 13.0 20.8 0.8 36.0 6.3 7.6 2.9 0.0 4.7Puerto Rico 3.8 27.7 37.3 12.4 0.0 14.1 0.0 0.1 4.1 0.0 3.8Rhode Island 0.4 1.1 6.5 14.7 0.0 59.9 5.4 3.5 8.6 0.0 7.4South Carolina 6.2 6.0 13.4 24.6 0.0 38.9 4.5 1.6 4.7 0.0 1.7South Dakota 2.7 2.3 8.0 29.2 0.0 34.5 5.5 3.1 14.2 2.2 9.6Tennessee 2.9 3.6 18.5 22.6 0.0 41.3 3.1 1.7 6.3 0.0 5.9Texas 3.9 5.4 22.0 28.4 0.9 29.3 0.3 3.2 6.3 0.1 3.9Utah 5.6 2.4 12.4 35.1 0.0 26.9 6.2 2.8 8.4 0.1 9.6Vermont 4.0 3.9 4.3 15.6 0.2 54.4 6.2 3.5 7.4 0.1 8.7Virginia 16.7 5.8 10.3 12.6 0.0 45.1 3.6 2.7 2.0 0.0 1.7Washington 6.5 2.6 14.3 19.6 0.0 38.5 6.0 3.2 9.0 0.1 11.3West Virginia 1.8 5.5 13.9 27.4 0.0 37.7 3.0 2.9 7.9 0.0 4.8Wisconsin 3.3 2.6 6.9 20.5 0.1 49.4 5.3 2.5 8.5 0.8 11.5Wyoming 2.4 2.4 12.3 34.4 3.6 23.6 3.9 2.7 14.6 0.1 4.2

National totalColumns 1-10 sum to 100%. Business loans are included in columns 1-10, as well as reported separately.

businessloans

6.5%0.4% 5.3% 0.3%

0.31.4

0.20.8

UsedNewunsecured

Agriculturalbusiness

loansHomeequity Other

5.2%14.0% 21.1% 40.8% 0.4%

CreditLeases First

Other

0.2

Table 3Distribution of dollar amounts in loans outstanding


Mortgage OtherAuto

cards Other

1.2

0.10.50.60.1

0.20.10.40.6

0.5

0.20.1

5.7% 4.1% 3.0%

0.20.3

0.20.0

0.6

0.60.4

0.00.4

0.10.6

0.00.1

0.10.2

0.00.0

0.50.0

0.00.0

0.10.1

0.40.7

0.00.20.10.1

0.10.4

0.30.40.20.5


(75)S

ection 3 -O


Loansheld



Leases loans

33.9%

18.89.6

Other

3.20.05.4

businessloans

6.7%

Homeequity Other

36.421.4

FirstcardsOther

UsedNewunsecuredCredit


Mortgage AgriculturalAuto Otherbusiness

61.5% 99.4% 68.8% 61.6%95.7%

5.5

3.611.013.6

17.1

21.10.0

11.7

11.726.76.73.1

7.8

12.2

9.7

13.615.04.80.60.0

13.19.8

16.1

5.75.0

17.24.8

9.5

5.520.67.79.7

8.2

96.9% 52.3%

5.216.7

2.329.5

8.315.0

3.7

18.9

9.7%

12.931.615.619.5

1.5%


(76)S

ection 3 -O


Loansheld


National total

First equity

41.1% 5.6% 3.1%

0.30.1

0.91.7

0.3

businessloans

7.6%11.1%

businessloans

1.9%

Other

6.1% 4.1% 14.0% 21.1% 5.1%

Creditcards Newunsecured Used Leases



Mortgage AgriculturalAuto OtherHomeOther

Other

0.30.4

0.60.4

0.70.8

0.0

0.61.1

0.61.3

0.60.6

1.1

0.30.80.90.80.20.2

0.2

0.7

0.10.0

0.81.20.50.0

0.7

0.70.2

0.30.60.80.90.10.30.2

1.3

0.10.3

0.7%

0.30.10.93.5

0.60.3


(77)S

ection 3 -O


By stateAlabama 2.4 2.2 23.5 12.8 148.9 97.8 26.1 13.4 89.4 191.0Alaska 1.8 2.9 22.7 15.7 0.0 250.4 37.0 10.2 0.0 578.9Arizona 2.4 1.8 23.1 13.8 0.0 171.3 33.6 11.7 440.7 666.1Arkansas 2.6 2.1 22.9 13.9 0.0 84.6 22.9 11.4 0.0 560.1California 2.6 3.4 23.0 14.1 29.6 308.4 49.7 15.1 396.5 588.1Colorado 2.3 1.4 22.2 12.9 33.4 175.3 36.2 15.1 122.9 585.4Connecticut 2.2 4.3 19.4 12.1 0.0 131.1 37.6 16.1 0.0 329.8Delaware 2.1 3.7 22.1 11.5 0.0 129.7 42.4 13.5 349.3 160.1District of Columbia 2.1 4.2 19.9 12.6 2.7 342.1 55.7 5.0 0.0 600.2Florida 2.5 2.6 21.8 14.1 24.6 126.4 33.7 14.5 175.1 377.7Georgia 2.4 2.7 11.2 9.5 0.0 144.2 34.0 11.9 257.0 411.1Hawaii 2.2 7.7 11.5 6.2 0.0 203.4 56.2 4.8 1,748.9 615.3Idaho 2.2 1.7 20.8 11.0 0.0 142.0 28.1 15.8 140.8 351.6Illinois 2.5 3.9 15.6 10.5 38.6 182.5 34.4 16.7 218.0 377.7Indiana 2.0 2.6 18.1 11.6 31.0 111.7 24.7 14.8 214.4 160.3Iowa 2.2 2.4 21.6 12.7 0.0 135.5 26.7 13.2 235.0 463.8Kansas 2.0 2.2 22.9 12.7 0.0 84.2 23.8 12.3 62.1 97.6Kentucky 2.1 2.8 21.7 11.9 4.9 102.7 29.4 9.5 190.6 283.6Louisiana 2.3 3.4 22.3 15.0 12.7 95.2 35.7 11.5 897.0 321.2Maine 2.0 2.9 19.8 11.1 0.0 24.9 26.6 11.2 126.9 123.4Maryland 3.1 3.2 20.3 14.1 0.0 184.5 46.1 15.4 185.7 422.5Massachusetts 2.5 3.8 15.4 10.6 27.2 186.7 46.0 18.6 435.3 415.0Michigan 2.2 2.6 19.9 11.4 30.6 116.2 26.0 15.0 189.9 225.3Minnesota 2.4 2.3 18.1 11.6 22.8 126.2 32.1 14.2 134.2 284.2Mississippi 2.5 2.6 22.6 12.4 0.0 100.2 28.4 8.6 0.0 383.7Missouri 2.4 2.9 21.0 12.1 0.0 120.3 32.5 10.2 111.4 276.6Montana 1.8 2.3 21.9 11.5 0.0 126.7 33.5 17.2 101.9 209.2Nebraska 1.7 2.5 19.7 11.5 0.0 99.0 25.7 15.1 160.5 124.5Nevada 1.7 1.8 23.7 14.6 0.0 200.6 35.2 21.8 155.0 622.7New Hampshire 2.4 5.6 20.8 13.4 0.0 122.5 35.1 10.0 0.0 370.7New Jersey 2.7 4.0 18.1 12.4 30.2 193.8 46.5 4.7 179.2 374.2New Mexico 2.2 2.8 23.3 14.7 0.0 170.9 31.4 12.5 148.9 432.4New York 2.2 3.9 20.1 12.7 29.9 166.3 46.1 17.0 685.6 468.0North Carolina 2.7 3.5 21.5 11.2 41.7 121.8 28.5 7.7 224.9 396.6North Dakota 1.7 2.6 22.5 12.2 0.0 162.4 41.8 30.8 128.8 171.7Ohio 2.2 2.4 18.3 11.5 33.5 101.2 25.8 13.0 132.8 168.8Oklahoma 2.3 2.7 23.9 14.3 0.0 97.7 30.5 15.5 201.6 467.1Oregon 2.1 2.3 18.3 10.8 0.0 131.9 29.5 17.4 175.0 316.6Pennsylvania 2.9 3.8 19.4 12.4 31.2 112.8 33.1 8.5 226.7 223.8Puerto Rico 2.1 7.7 19.2 14.7 0.0 101.5 20.4 7.2 0.0 290.3Rhode Island 2.3 2.5 16.8 11.0 0.0 144.9 36.6 57.6 530.3 282.6South Carolina 3.1 2.4 21.9 12.1 0.0 106.3 28.7 11.8 97.2 122.2South Dakota 1.8 1.6 21.7 11.5 0.0 114.0 31.2 9.2 88.5 137.2Tennessee 2.2 2.7 21.9 12.5 0.0 114.4 30.1 13.9 311.0 414.4Texas 2.4 3.4 21.9 14.7 30.4 119.8 42.7 14.0 145.0 404.7Utah 2.3 1.4 24.5 13.3 0.0 143.3 34.3 13.6 421.9 484.7Vermont 2.0 3.2 21.0 10.8 27.9 115.5 24.8 12.7 439.0 186.2Virginia 5.4 3.3 20.8 12.2 7.6 243.6 42.3 10.9 395.7 427.3Washington 2.6 3.4 21.5 13.4 0.0 185.8 40.0 22.1 365.2 609.1West Virginia 1.6 2.8 20.6 12.0 34.5 81.1 25.6 12.0 0.0 169.5Wisconsin 2.1 1.9 18.8 11.3 26.9 109.0 24.1 12.0 105.5 306.1Wyoming 1.8 2.0 27.4 14.8 33.5 124.5 32.6 13.3 230.1 111.7

National total $151.2

unsecuredCreditcards

OtherOther

businessloans

businessloans

mortgageNew LeasesUsed mortgage (incl. home equity)

Table 6Average size of outstanding loans

($ in thousands)

OtherAuto Other AgriculturalFirst

$155.0 $357.8$2.9 $3.1 $20.4 $12.6 $30.7 $36.5 $13.8


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ection 3 -O


By stateAlabama 11,820 5,963 0.50 7,110 2,344 0.33Alaska 14,051 9,135 0.65 28,001 4,076 0.15Arizona 14,248 7,569 0.53 18,228 3,022 0.17Arkansas 12,630 6,076 0.48 13,738 2,443 0.18California 20,428 11,344 0.56 20,268 3,526 0.17Colorado 16,694 9,966 0.60 23,734 4,262 0.18Connecticut 15,922 7,562 0.47 24,177 2,198 0.09Delaware 12,034 5,259 0.44 11,923 1,406 0.12District of Columbia 25,182 16,424 0.65 18,476 4,424 0.24Florida 13,725 7,957 0.58 9,575 2,790 0.29Georgia 11,312 7,917 0.70 12,904 2,926 0.23Hawaii 14,663 6,654 0.45 16,787 2,510 0.15Idaho 14,357 9,203 0.64 28,697 4,413 0.15Illinois 15,075 9,820 0.65 13,970 3,418 0.24Indiana 15,365 8,079 0.53 22,111 3,109 0.14Iowa 17,468 12,812 0.73 22,779 5,194 0.23Kansas 12,554 7,304 0.58 12,609 2,503 0.20Kentucky 13,692 7,341 0.54 11,839 2,366 0.20Louisiana 12,297 6,628 0.54 12,095 2,269 0.19Maine 12,590 8,511 0.68 10,300 2,397 0.23Maryland 15,335 9,288 0.61 16,671 3,139 0.19Massachusetts 20,145 10,101 0.50 27,301 3,183 0.12Michigan 13,221 8,103 0.61 7,966 3,032 0.38Minnesota 15,032 9,602 0.64 16,785 3,548 0.21Mississippi 11,313 5,672 0.50 12,479 2,265 0.18Missouri 13,072 6,399 0.49 19,084 2,446 0.13Montana 16,189 8,090 0.50 15,879 2,864 0.18Nebraska 11,846 6,221 0.53 14,791 2,440 0.16Nevada 16,778 8,719 0.52 27,224 4,364 0.16New Hampshire 17,144 9,918 0.58 26,394 3,148 0.12New Jersey 15,595 8,006 0.51 13,631 2,066 0.15New Mexico 15,041 8,681 0.58 16,906 2,680 0.16New York 17,854 9,297 0.52 17,241 2,758 0.16North Carolina 18,297 8,359 0.46 19,958 2,488 0.12North Dakota 23,580 12,827 0.54 27,736 5,662 0.20Ohio 12,779 7,257 0.57 15,688 2,327 0.15Oklahoma 13,403 7,961 0.59 13,340 2,816 0.21Oregon 14,689 9,163 0.62 22,244 3,564 0.16Pennsylvania 13,626 7,704 0.57 17,748 2,458 0.14Puerto Rico 11,177 5,668 0.51 17,621 1,916 0.11Rhode Island 31,979 13,250 0.41 34,435 3,624 0.11South Carolina 12,401 6,851 0.55 10,470 2,292 0.22South Dakota 12,463 8,333 0.67 12,614 4,012 0.32Tennessee 15,810 8,540 0.54 16,335 3,106 0.19Texas 14,353 8,570 0.60 13,518 3,124 0.23Utah 12,030 8,339 0.69 19,891 5,332 0.27Vermont 15,743 8,977 0.57 19,650 2,831 0.14Virginia 14,523 9,285 0.64 11,874 4,752 0.40Washington 16,070 10,343 0.64 19,509 4,281 0.22West Virginia 13,450 5,851 0.44 13,348 1,719 0.13Wisconsin 15,154 9,828 0.65 20,050 4,074 0.20Wyoming 14,495 9,198 0.63 18,556 3,083 0.17

National total $15,331 $8,921 0.58 $15,001 0.22

Loans granted first nine months 2018

$3,339

per

Table 7

Loans outstanding and granted first nine months 2018

Number ofAverage $ Loans

Loans outstanding

size

$ Loansper

memberloan loans per

member

Number of

member

Average loansize member

loans per


(79)S

ection 3 -O


By stateAlabama 20.91 22.94 17,648 6.36 0.35 12,080 12.73 0.87 13,321Alaska 36.36 58.12 21,141 18.18 0.06 9,969 72.73 1.60 35,386Arizona 45.24 28.97 18,905 42.86 9.47 18,614 30.95 3.35 56,690Arkansas 32.14 27.98 20,057 21.43 4.16 18,162 5.36 0.86 6,758California 30.42 6.68 20,131 30.42 13.65 21,433 52.10 3.92 22,848Colorado 30.86 9.47 17,522 44.44 24.88 16,108 55.56 3.71 30,590Connecticut 14.74 10.93 14,587 9.47 6.87 16,974 18.95 2.64 14,573Delaware 35.29 21.30 19,269 11.76 6.86 16,394 29.41 3.86 8,710District of Columbia 0.00 0.00 0 2.70 0.00 9,019 27.03 1.92 12,340Florida 29.32 19.51 19,972 28.57 6.20 20,668 45.86 2.61 12,398Georgia 14.42 9.90 20,609 4.81 0.87 40,279 27.88 21.23 6,920Hawaii 27.27 4.55 18,893 18.18 3.17 14,626 56.36 6.22 3,439Idaho 41.18 32.32 15,676 11.76 1.74 15,142 32.35 0.79 14,083Illinois 19.69 13.27 14,602 11.20 7.03 16,291 19.31 1.37 1,837Indiana 37.01 27.09 13,813 9.74 0.73 16,407 29.22 1.17 20,327Iowa 35.23 26.08 16,559 10.23 0.56 15,726 52.27 1.19 22,967Kansas 25.00 31.08 16,162 10.00 9.09 16,501 26.25 0.84 22,685Kentucky 38.10 20.17 16,624 11.11 1.04 14,905 23.81 3.25 11,532Louisiana 7.26 14.72 19,697 10.61 6.98 20,302 14.53 4.16 13,235Maine 34.55 7.77 12,954 18.18 3.55 12,977 65.45 12.31 8,232Maryland 27.38 10.50 22,640 20.24 8.17 18,043 29.76 5.36 38,114Massachusetts 17.07 11.49 14,605 12.80 2.65 14,050 31.71 3.12 25,204Michigan 60.27 19.33 15,050 21.43 4.71 30,229 47.32 3.78 23,373Minnesota 30.28 8.37 13,290 27.52 6.21 15,770 50.46 4.56 11,971Mississippi 8.00 14.39 20,892 2.67 0.00 2,529 12.00 1.08 5,702Missouri 22.52 15.86 16,373 18.02 9.69 15,991 39.64 1.94 7,927Montana 31.37 12.91 17,147 0.00 0.00 0 19.61 2.82 18,228Nebraska 15.00 8.06 15,766 21.67 4.79 13,590 18.33 1.78 8,702Nevada 26.67 6.82 23,025 53.33 18.36 26,386 53.33 3.30 13,448New Hampshire 40.00 18.81 15,185 26.67 18.77 16,673 40.00 1.23 25,753New Jersey 6.25 8.49 23,227 3.75 1.74 11,667 38.13 8.87 8,998New Mexico 29.27 25.88 20,699 19.51 10.46 21,363 21.95 1.31 11,193New York 13.45 12.87 18,772 7.02 5.70 41,314 22.51 3.74 32,558North Carolina 20.83 4.28 18,588 20.83 2.07 17,486 29.17 0.46 9,404North Dakota 22.86 5.19 13,941 5.71 0.05 12,002 37.14 3.25 61,424Ohio 26.22 26.75 15,198 16.48 6.05 27,797 32.21 2.95 21,620Oklahoma 31.67 29.39 21,522 23.33 15.17 20,060 20.00 1.02 6,769Oregon 34.48 16.02 17,745 41.38 18.13 16,331 63.79 2.02 7,231Pennsylvania 12.60 16.75 15,334 13.40 4.44 17,710 19.30 1.97 13,516Puerto Rico 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0Rhode Island 25.00 15.50 13,038 50.00 9.61 25,905 40.00 0.39 8,764South Carolina 22.22 11.54 19,634 14.29 0.25 15,813 19.05 0.64 12,409South Dakota 43.24 11.54 14,340 5.41 0.23 8,694 40.54 3.15 4,762Tennessee 23.57 20.82 18,533 5.71 1.76 28,243 28.57 1.34 27,102Texas 18.12 24.19 19,914 16.59 3.46 22,887 23.36 3.61 9,987Utah 19.35 0.93 17,499 25.81 33.77 18,709 25.81 0.70 4,897Vermont 26.32 6.50 13,056 21.05 3.19 11,139 36.84 1.37 60,638Virginia 25.00 4.98 17,375 18.75 1.02 20,748 31.25 1.30 20,872Washington 42.53 20.65 18,441 35.63 10.08 18,990 49.43 2.40 15,882West Virginia 10.34 7.38 14,583 4.60 0.90 13,886 10.34 3.09 123,290Wisconsin 34.11 11.55 13,527 24.03 7.19 13,669 37.98 1.76 19,332Wyoming 51.85 24.27 16,869 14.81 12.62 19,847 33.33 4.24 144,470

National total $17,458 $19,512 12,332

Point of sale arrangements Outscored lending relationships

Table 8Indirect and participation loans outstanding

Indirect loans Participation loans

Average$ Participation% of

24.10%

Averagerelationships loan credit unions

$ Point of sale % of $ Outsourced lending Averagecredit unions arrangements loan credit unions

% of

loanoffering per $ loans size offering size

loansper $ loans size offering per $ loans

14.22 6.94 30.95% 2.9716.30%


(80)S

ection 3 -O


By stateAlabama 281 173 134 71 13 59 151 74.0 121.5 151.2 178.2 55.4 55.7 104.6Alaska 167 235 147 40 34 134 35 97.1 167.3 660.3 310.8 762.9 106.9 420.6Arizona 289 293 118 66 111 70 33 100.5 162.5 343.9 675.8 65.5 32.9 469.6Arkansas 142 75 47 39 0 21 215 49.5 104.8 164.0 228.7 0.0 31.2 127.6California 244 399 201 192 45 56 57 148.5 299.0 446.9 552.9 85.1 150.9 312.1Colorado 198 352 51 72 35 135 27 110.7 184.0 191.3 595.3 239.6 48.8 113.0Connecticut 238 144 73 86 94 60 44 90.5 172.6 195.4 227.4 58.7 68.7 287.4Delaware 87 67 76 5 3 55 111 86.6 141.9 183.4 428.3 110.1 83.4 188.6District of Columbia 105 118 150 296 184 50 81 258.5 296.3 405.2 426.7 251.5 172.1 313.8Florida 435 422 248 116 45 215 100 88.1 142.9 190.4 268.1 49.2 69.8 207.0Georgia 249 284 85 63 5 32 46 87.5 158.6 224.8 374.0 406.0 170.4 211.9Hawaii 85 110 58 68 9 48 69 91.7 212.3 371.9 388.7 185.5 124.7 227.9Idaho 359 252 242 25 13 157 85 86.5 175.8 273.2 282.2 149.2 58.2 138.8Illinois 225 241 187 290 21 57 152 83.0 151.3 268.3 433.0 180.9 91.0 159.2Indiana 357 231 135 181 21 115 144 78.7 116.6 222.0 217.5 92.9 64.1 152.6Iowa 293 176 245 399 63 62 85 78.2 136.1 188.1 149.0 280.2 84.2 190.9Kansas 148 85 109 104 40 110 79 66.9 111.9 110.0 143.2 37.8 52.4 79.0Kentucky 180 167 97 103 9 153 493 70.5 117.4 158.0 207.4 39.9 39.5 132.9Louisiana 142 114 37 42 14 73 52 59.1 136.4 246.6 148.0 159.8 46.3 89.6Maine 361 1,611 46 75 682 96 129 37.3 19.2 121.0 109.2 5.8 33.3 79.6Maryland 211 286 143 107 4 18 83 103.6 175.9 298.9 331.7 143.5 173.2 253.0Massachusetts 220 245 197 170 36 63 96 112.1 194.7 259.6 344.0 294.7 107.7 221.9Michigan 276 317 122 104 19 96 179 82.5 130.6 144.3 150.4 122.2 44.9 167.2Minnesota 266 197 171 159 15 137 78 89.8 153.9 145.5 225.6 65.4 43.0 112.9Mississippi 162 230 43 30 10 79 60 88.1 115.7 145.7 154.4 71.3 39.3 57.6Missouri 134 141 111 37 27 42 107 80.3 149.0 155.5 219.0 256.2 42.2 118.7Montana 103 191 57 43 6 37 145 75.2 145.6 98.4 162.3 139.3 92.0 179.4Nebraska 105 43 23 29 23 63 139 77.4 125.3 87.0 144.6 68.1 114.0 119.3Nevada 133 291 10 21 116 51 101 145.7 188.0 469.8 552.1 115.9 283.9 294.2New Hampshire 612 708 168 112 9 36 184 81.9 107.3 260.9 364.4 118.4 76.8 151.4New Jersey 84 96 63 94 0 52 68 107.2 201.0 224.0 364.1 0.0 99.4 312.9New Mexico 195 120 235 105 5 185 71 85.4 139.2 246.8 230.3 31.1 85.1 583.7New York 325 165 134 259 31 176 158 92.3 166.8 394.6 376.4 95.9 105.2 215.4North Carolina 649 437 107 91 13 52 4,232 65.3 122.2 269.9 423.5 57.0 64.0 131.9North Dakota 76 30 73 92 5 92 171 96.2 239.7 169.9 186.4 433.9 175.3 168.1Ohio 197 142 93 77 18 47 78 73.2 118.8 140.7 171.9 95.7 62.6 96.3Oklahoma 260 166 104 42 47 29 114 68.3 130.0 212.3 178.4 58.5 73.1 68.3Oregon 316 307 94 61 24 340 51 101.1 168.6 314.9 324.0 104.1 19.1 211.1Pennsylvania 239 147 104 165 190 112 158 77.4 140.7 224.0 262.4 48.5 52.7 134.8Puerto Rico 31 106 51 9 0 2 2 46.0 98.7 313.6 245.1 0.0 253.5 82.1Rhode Island 659 468 103 221 64 164 597 105.2 198.4 181.1 248.8 282.6 82.2 118.3South Carolina 391 338 271 290 77 148 181 71.0 147.2 165.7 154.2 61.3 34.3 100.3South Dakota 84 81 97 36 28 15 34 67.1 146.0 118.9 167.1 88.4 65.0 191.6Tennessee 249 349 177 119 147 97 122 83.1 135.0 137.0 177.5 120.5 69.7 113.8Texas 406 265 118 187 96 54 61 76.1 147.6 232.1 292.0 100.9 111.0 198.0Utah 512 185 180 150 86 438 30 119.2 225.4 208.5 232.5 338.4 75.9 275.3Vermont 418 227 278 209 134 237 62 80.4 158.0 185.6 193.7 41.0 53.0 151.8Virginia 565 1,749 232 160 3 154 1,046 116.1 265.4 255.5 433.0 60.1 68.1 322.0Washington 470 382 134 261 9 153 60 121.2 214.2 351.3 273.3 78.4 61.4 411.4West Virginia 112 64 33 24 70 100 136 58.6 102.7 107.3 152.7 54.4 93.6 95.1Wisconsin 474 149 316 352 43 184 264 69.2 111.5 154.1 140.2 98.9 54.0 139.9Wyoming 109 80 31 42 5 1 42 84.8 166.8 229.4 161.9 39.1 103.9 88.4

National total

Fixed rate Balloon/Hybrid Other Adjustable rate<= 15yrs> 1 yrfixed rate



First mortgages outstanding at offering CUs

Fixed rateNumber per credit union Average loan size ($ in thousands)

OtherBalloon/Hybrid Adjustable ratefixed rate<= 15yrs > 15 yrs <= 5 yrs > 5 yrs > 15 yrs <= 5 yrs > 5 yrs

233

<= 1 yr > 1 yr

$89.1 $169.6283 295 149 151 61

<= 1 yr

109 $172.3$240.0 $294.2 $85.6 $70.1


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ection 3 -O



Alabama 58 62 20 7 42 37 28 115.0 162.7 181.1 222.8 32.1 24.4 185.7Alaska 51 436 33 10 12 8 4 165.8 264.3 969.3 403.6 3,474.4 88.6 175.3Arizona 39 146 30 32 49 22 8 160.6 207.2 455.9 776.4 64.9 75.3 825.5Arkansas 44 60 18 5 1 7 37 39.6 170.4 467.1 173.8 53.4 29.5 152.2California 25 92 42 61 45 25 44 261.9 358.6 592.0 681.5 105.6 195.0 250.9Colorado 22 117 13 20 7 57 7 165.1 276.1 476.2 1,012.4 359.6 154.9 119.9Connecticut 37 33 8 29 17 22 10 156.4 212.0 271.6 254.2 88.4 166.7 258.2Delaware 13 14 11 3 3 12 32 104.8 180.7 304.2 275.2 384.7 33.2 182.8District of Columbia 14 20 30 57 0 0 13 296.2 373.4 566.6 503.4 0.0 0.0 395.1Florida 53 114 37 31 18 36 20 133.5 184.6 280.0 378.6 83.2 109.8 212.6Georgia 29 85 33 17 2 14 16 117.7 196.3 267.0 618.0 862.5 1,600.4 204.9Hawaii 8 22 27 27 8 16 18 186.4 404.1 284.2 420.2 281.8 112.8 263.8Idaho 135 273 113 12 6 90 21 102.0 204.9 230.7 485.2 109.3 103.4 227.0Illinois 33 75 40 66 6 45 36 124.3 192.8 323.2 445.5 388.7 64.5 225.0Indiana 62 94 26 51 7 45 74 135.3 159.6 237.8 259.4 216.4 91.0 121.1Iowa 45 145 56 120 33 24 14 122.4 157.4 244.0 199.7 488.4 184.8 230.2Kansas 31 43 44 61 5 135 23 80.3 131.3 86.3 163.8 27.0 9.6 156.8Kentucky 26 39 24 42 3 64 100 114.5 147.2 208.1 374.7 79.8 39.0 159.7Louisiana 78 28 13 12 13 50 8 39.5 161.5 302.2 235.3 257.5 29.0 151.6Maine 38 287 9 14 188 27 23 47.9 19.6 141.5 112.9 8.4 32.8 105.5Maryland 20 66 25 18 7 4 38 165.5 229.4 476.4 439.1 280.7 218.2 186.1Massachusetts 21 51 18 44 10 19 17 204.4 285.1 407.8 464.9 513.9 157.6 362.8Michigan 35 103 23 19 8 47 90 127.8 166.2 231.1 194.5 146.5 70.4 248.9Minnesota 45 96 35 34 13 54 23 140.3 199.9 223.5 376.9 49.8 65.6 171.6Mississippi 28 57 16 13 5 20 15 171.1 148.4 264.3 211.9 180.8 45.0 34.8Missouri 31 87 35 38 10 14 14 140.1 195.2 148.7 246.6 322.2 74.9 116.4Montana 17 55 12 16 5 15 31 118.1 192.6 124.9 210.8 235.5 63.4 198.5Nebraska 16 61 4 5 5 28 43 101.3 160.1 161.2 149.4 190.8 148.9 155.9Nevada 28 117 25 5 60 25 26 388.5 242.4 3,689.0 1,126.2 78.9 4,184.9 1,071.5New Hampshire 34 116 23 29 6 5 20 171.4 204.5 304.9 562.0 214.2 108.3 198.3New Jersey 9 16 25 38 0 19 41 130.2 260.2 211.9 406.0 0.0 38.7 193.5New Mexico 25 54 43 28 1 32 16 169.0 181.1 347.3 288.3 0.0 261.3 746.2New York 37 65 32 54 11 116 61 149.7 207.4 620.9 524.7 135.7 93.1 211.7North Carolina 138 132 30 30 9 11 666 119.0 177.4 336.7 666.3 40.5 122.3 176.2North Dakota 26 58 12 18 4 24 38 131.3 185.9 208.5 168.3 512.3 323.1 203.3Ohio 28 60 17 18 15 18 20 119.6 145.2 191.1 262.7 172.9 77.5 120.4Oklahoma 47 76 17 17 26 285 22 117.0 169.8 315.5 188.1 147.3 8.9 95.8Oregon 53 112 13 16 12 115 10 128.9 238.7 409.8 369.4 44.6 39.7 294.0Pennsylvania 34 49 20 35 44 52 35 101.4 184.1 420.8 333.7 65.4 69.4 191.4Puerto Rico 4 11 5 0 0 2 2 91.4 148.3 134.8 0.0 0.0 1,000.0 82.1Rhode Island 58 122 9 55 24 77 205 150.5 238.9 270.1 291.3 424.2 118.5 177.5South Carolina 56 106 54 106 51 25 35 111.4 172.7 241.5 213.2 64.8 37.3 170.3South Dakota 21 73 24 17 12 11 6 105.2 172.5 124.5 168.0 128.9 56.8 228.4Tennessee 34 92 33 21 30 47 68 149.9 170.8 191.8 240.3 164.3 72.2 99.2Texas 69 84 31 36 62 28 28 113.7 198.5 405.3 378.7 122.4 92.4 223.7Utah 127 276 124 71 204 308 67 182.2 233.5 203.3 176.2 264.1 83.0 121.3Vermont 70 156 43 38 38 113 47 117.1 202.7 177.4 212.8 95.0 42.3 79.9Virginia 99 785 42 61 1 68 176 164.7 277.9 349.6 503.5 50.0 76.3 359.4Washington 64 149 26 51 4 46 23 166.4 256.3 498.8 413.6 140.7 110.5 506.7West Virginia 19 15 11 5 86 26 18 74.9 131.0 111.2 234.3 58.6 70.9 119.2Wisconsin 70 184 79 95 21 51 88 114.1 169.9 210.6 172.4 267.8 91.0 116.6Wyoming 19 31 7 10 1 0 15 115.5 210.4 283.5 228.1 24.0 0.0 137.7

National total

Other


Number and average sizeFirst mortgages granted first nine months 2018 by offering CUs

Adjustable rateNumber per credit union Average loan size ($ in thousands)

Fixed rate Balloon/Hybrid Other Adjustable rate Fixed rate Balloon/Hybrid> 5 yrs<= 15yrs > 15 yrs <= 5 yrs > 5 yrs fixed rate <= 1 yr > 1 yr <= 15yrs > 15 yrs <= 5 yrs fixed rate <= 1 yr > 1 yr

45 $132.0 $213.9 $328.0106 5933 42 29 50 $379.1 $147.9 $91.9 $205.9


(82)S

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Alabama 18.2 38.3 23.7 15.9 8.1 0.2 2.8 10.9Alaska 15.3 11.2 19.8 48.6 5.5 4.8 6.3 3.7Arizona 18.5 23.2 38.0 14.9 16.4 0.9 0.9 5.8Arkansas 16.1 32.9 20.2 11.6 11.3 0.0 0.7 23.4California 34.0 12.3 41.6 19.9 22.6 0.1 1.4 2.1Colorado 27.6 19.5 52.1 5.0 19.4 1.1 1.9 1.2Connecticut 26.3 36.8 39.9 4.6 7.7 0.6 1.9 8.6Delaware 16.2 22.6 28.4 11.5 1.1 0.3 7.5 28.6District of Columbia 44.3 14.7 19.0 15.7 39.8 1.3 1.5 8.0Florida 23.4 26.8 39.0 15.0 8.3 0.2 5.0 5.6Georgia 22.3 27.0 43.0 10.7 12.8 0.2 1.9 4.5Hawaii 22.3 12.3 38.0 16.7 18.3 0.3 6.0 8.5Idaho 29.1 26.7 33.3 28.4 4.6 0.5 3.6 3.0Illinois 28.3 15.1 25.7 17.6 34.5 0.4 1.4 5.3Indiana 31.5 31.5 30.0 12.0 13.5 0.2 3.9 8.8Iowa 36.3 17.2 12.0 28.3 33.1 1.7 1.5 6.1Kansas 16.7 39.5 31.9 9.6 7.9 0.4 3.6 7.2Kentucky 26.7 21.9 27.6 8.0 11.2 0.1 4.9 26.4Louisiana 19.7 33.4 43.4 11.9 5.9 0.6 2.1 2.8Maine 37.5 24.5 55.3 3.4 5.8 1.2 3.2 6.6Maryland 26.3 18.0 39.1 16.3 16.9 0.0 1.0 8.6Massachusetts 37.2 19.7 38.2 14.4 16.7 1.0 2.3 7.7Michigan 29.6 23.8 40.3 12.8 10.4 0.4 1.8 10.5Minnesota 29.7 27.1 23.2 20.1 21.9 0.1 2.5 5.1Mississippi 19.4 37.7 48.3 5.7 4.2 0.3 2.0 1.9Missouri 19.2 22.7 38.3 17.0 6.3 1.4 1.8 12.4Montana 27.9 16.2 36.8 8.2 8.3 0.4 3.1 27.1Nebraska 22.7 36.9 19.8 2.9 6.1 1.3 11.2 21.8Nevada 25.9 17.9 50.4 3.4 8.2 3.1 5.6 11.4New Hampshire 28.1 25.7 35.7 13.1 14.0 0.1 0.7 10.7New Jersey 27.4 16.9 37.3 8.3 17.3 0.0 3.4 16.8New Mexico 21.8 16.4 14.4 33.4 13.0 0.0 5.8 17.0New York 29.4 24.9 23.3 13.7 23.9 0.2 5.5 8.5North Carolina 39.3 10.0 10.9 2.4 2.8 0.0 0.3 73.6North Dakota 30.7 11.4 6.8 21.7 16.4 1.0 12.6 30.1Ohio 24.7 31.9 35.2 12.0 13.0 0.4 2.3 5.2Oklahoma 12.5 37.4 31.2 17.0 6.2 1.1 1.5 5.6Oregon 26.5 26.4 42.1 13.9 10.6 0.3 2.9 3.8Pennsylvania 24.1 32.4 28.9 9.5 13.8 1.5 2.8 11.0Puerto Rico 9.1 12.0 62.8 19.3 5.0 0.0 0.6 0.2Rhode Island 49.9 29.4 36.7 4.5 11.7 1.7 3.3 12.9South Carolina 28.5 24.5 34.5 16.1 13.9 1.2 2.9 6.9South Dakota 23.9 16.8 24.9 38.6 10.4 2.2 0.7 6.4Tennessee 31.4 25.4 40.4 12.1 8.9 3.9 2.9 6.4Texas 21.8 34.4 38.9 8.0 12.8 1.2 1.3 3.5Utah 21.6 43.0 17.1 12.3 14.3 1.9 9.8 1.6Vermont 42.3 25.4 27.0 19.5 15.3 0.6 8.1 4.1Virginia 34.5 10.0 59.4 3.6 5.0 0.0 0.6 21.5Washington 28.7 27.0 34.7 13.3 17.4 0.0 2.3 5.1West Virginia 22.6 32.9 24.4 5.9 4.4 0.9 10.1 21.5Wisconsin 40.5 22.1 7.5 29.4 23.4 0.6 4.1 13.0Wyoming 18.4 34.0 42.4 10.6 9.1 0.1 0.1 3.7

National total

assets


Distribution of dollar amountsFirst mortgages outstanding at all CUs

% of outstanding with First mortgage/

<= 15 yrs > 15 yrs <= 5 yrs

29.1%

Other

35.8%

<= 1yrs

15.1%

Balloon/Hybrid> 5 yrs

Fixed ratefixed rate

Adjustable rate> 1yrs

2.4%20.8% 13.4% 0.5% 12.0%


(83)S

ection 3 -O



Alabama 4.0 37.8 37.1 9.9 3.0 0.7 2.3 9.1 26.2Alaska 10.1 5.7 65.6 18.4 2.0 7.9 0.3 0.1 65.0Arizona 6.0 11.8 60.1 7.8 14.1 0.9 1.4 3.9 46.6Arkansas 4.7 18.9 37.0 23.9 3.3 0.0 0.5 16.4 38.3California 7.2 7.5 44.8 17.3 26.2 0.2 1.3 2.6 20.7Colorado 10.0 7.1 66.7 4.4 18.2 0.7 2.4 0.4 44.7Connecticut 4.8 37.9 40.2 2.5 11.4 0.9 2.9 4.2 12.7Delaware 2.1 10.8 31.3 13.8 3.4 2.4 1.6 36.6 8.5District of Columbia 6.8 9.8 21.8 18.8 42.8 0.0 0.0 6.7 1.1Florida 4.5 19.6 50.2 10.8 9.9 0.5 4.5 4.4 19.2Georgia 5.5 12.8 40.5 14.4 12.9 0.3 15.3 3.9 39.5Hawaii 5.2 6.9 39.3 16.4 22.2 1.2 5.5 8.5 18.8Idaho 14.7 19.6 55.7 12.9 3.2 0.2 6.6 1.7 51.7Illinois 5.7 12.9 38.4 14.2 25.4 0.7 2.0 6.5 29.7Indiana 8.6 24.5 44.0 6.2 12.2 0.6 5.4 7.1 31.3Iowa 11.7 10.4 25.7 20.2 34.3 4.2 2.8 2.3 41.3Kansas 5.0 26.9 55.8 5.7 3.0 0.1 1.1 7.4 58.9Kentucky 6.1 16.1 29.3 6.9 16.5 0.1 6.1 25.1 10.2Louisiana 4.4 37.0 41.4 12.0 4.5 1.3 1.7 2.1 8.8Maine 6.0 20.2 58.6 3.9 4.4 2.3 3.4 7.2 6.8Maryland 5.1 10.1 46.4 17.1 14.9 0.2 0.6 10.7 49.5Massachusetts 7.6 11.3 45.6 8.5 23.5 1.5 2.3 7.3 25.1Michigan 8.1 14.9 51.5 9.2 5.7 0.5 2.8 15.4 36.0Minnesota 8.5 20.4 41.8 16.4 13.8 0.2 3.3 4.0 36.7Mississippi 4.4 34.8 47.1 10.2 4.5 1.0 1.4 1.0 3.8Missouri 7.1 14.2 64.0 8.5 8.9 0.9 1.1 2.5 54.1Montana 6.7 13.3 49.2 6.2 6.0 1.9 1.9 21.5 28.0Nebraska 7.7 16.3 59.2 1.6 1.9 1.7 7.4 11.8 61.2Nevada 20.0 8.5 31.1 27.5 2.7 0.9 20.8 8.4 33.6New Hampshire 5.1 13.8 49.6 9.8 19.0 0.6 0.7 6.5 21.1New Jersey 3.9 9.7 36.1 8.1 26.0 0.0 0.5 19.6 10.7New Mexico 5.2 15.4 28.6 20.5 12.5 0.0 8.5 14.4 19.1New York 6.8 13.7 37.1 13.4 22.4 0.3 4.8 8.4 34.4North Carolina 6.8 13.8 16.7 3.5 3.7 0.0 0.3 61.9 11.8North Dakota 9.0 14.2 32.0 13.7 7.2 2.8 11.6 18.7 47.8Ohio 6.1 21.4 48.9 9.4 12.3 1.6 2.9 3.3 24.4Oklahoma 3.7 33.4 45.0 8.8 4.1 2.9 2.3 3.5 38.5Oregon 7.7 14.8 64.0 6.3 7.0 0.1 5.6 2.3 43.8Pennsylvania 5.1 20.5 39.2 10.8 12.2 1.5 5.4 10.3 25.3Puerto Rico 1.1 9.7 62.9 6.5 0.0 0.0 19.3 1.6 23.1Rhode Island 10.4 15.3 42.6 2.2 11.6 4.4 8.0 15.9 12.4South Carolina 6.7 16.4 37.1 15.9 20.6 2.0 1.3 6.7 15.5South Dakota 9.6 11.8 58.3 16.9 6.1 3.2 0.9 2.8 60.5Tennessee 6.8 21.8 47.2 9.4 7.0 4.3 3.4 6.8 10.2Texas 5.2 26.8 48.8 8.5 7.6 3.5 1.1 3.9 28.8Utah 11.6 25.5 37.3 9.2 8.0 6.6 11.7 1.7 38.9Vermont 12.0 20.2 54.1 8.6 6.2 0.7 8.2 2.1 44.9Virginia 10.2 6.5 76.2 2.0 4.3 0.0 0.4 10.5 47.0Washington 7.3 17.2 48.9 9.8 14.9 0.0 4.1 5.0 30.3West Virginia 2.8 33.3 27.1 8.2 4.8 4.9 5.4 16.4 8.3Wisconsin 13.1 15.7 31.8 21.7 15.6 1.6 4.5 9.2 35.6Wyoming 4.7 23.4 61.1 6.7 4.7 0.0 0.0 4.1 31.8

National total

First mortgagegranted/


Distribution of dollar amountsFirst mortgages granted first nine months 2018 by all CUs

% of granted with % sold inFixed rate Balloon/Hybrid Other Adjustable rate sec market first

assets <= 15 yrs > 15 yrs <= 5 yrs nine months 2018> 5 yrs fixed rate <= 1yrs > 1yrs

7.3% 14.4% 48.4% 10.7% 13.5% 1.1% 3.2% 8.7% 32.3%


(84)S

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Fixed Fixed Fixed FixedBy state rate rate rate rateAlabama 55 287 30.1 25.7 19 128 50.3 12.8Alaska 126 262 30.8 39.3 26 114 44.2 41.8Arizona 325 832 35.8 32.8 160 360 42.3 33.4Arkansas 106 23 21.4 22.6 36 12 33.8 14.0California 211 760 47.4 50.4 72 348 62.8 43.6Colorado 207 921 49.2 34.1 103 307 56.2 50.8Connecticut 158 274 38.8 36.7 32 84 50.4 33.9Delaware 129 143 51.1 32.3 24 37 86.1 31.3District of Columbia 41 235 43.5 57.5 12 117 59.9 53.7Florida 233 631 34.8 33.4 77 238 53.5 30.2Georgia 142 408 32.6 34.6 45 170 44.9 30.2Hawaii 160 304 22.2 67.6 20 210 99.6 32.3Idaho 70 730 34.9 26.8 37 242 46.7 45.6Illinois 171 400 29.5 36.7 48 216 40.0 22.4Indiana 133 422 27.7 23.8 49 113 39.5 36.6Iowa 610 433 28.3 24.3 145 262 35.8 13.3Kansas 93 288 25.1 23.5 36 81 33.6 24.6Kentucky 77 468 25.9 30.6 23 273 33.1 16.7Louisiana 48 130 42.1 32.4 12 52 96.5 28.6Maine 135 274 34.1 22.7 40 57 45.9 25.3Maryland 231 896 39.3 47.8 52 260 52.9 58.0Massachusetts 275 570 48.8 44.7 76 104 64.8 67.3Michigan 227 425 30.8 23.5 71 189 41.1 20.6Minnesota 271 433 38.6 27.9 76 117 50.0 36.0Mississippi 29 61 30.7 28.0 6 20 44.8 21.5Missouri 137 453 40.1 31.2 37 98 67.2 36.8Montana 76 108 37.0 32.4 27 33 54.9 41.8Nebraska 97 148 30.4 22.2 28 32 45.9 35.9Nevada 74 255 36.4 33.9 16 97 37.8 37.6New Hampshire 167 806 44.2 33.5 83 128 60.2 63.2New Jersey 135 212 47.7 45.7 23 103 61.9 31.4New Mexico 198 448 31.9 31.0 53 148 41.0 17.7New York 265 718 40.0 49.0 65 193 58.6 54.8North Carolina 194 1,323 32.6 28.2 65 444 46.0 31.3North Dakota 103 72 43.1 36.3 25 16 49.9 50.5Ohio 83 257 29.0 25.0 25 101 38.6 20.0Oklahoma 128 194 34.1 27.1 30 157 47.4 12.5Oregon 225 719 37.1 26.5 112 447 41.7 23.2Pennsylvania 253 448 33.8 32.5 62 128 47.4 32.5Puerto Rico 12 0 20.4 0.0 0 0 0.0 0.0Rhode Island 316 658 37.0 36.4 72 161 49.2 57.6South Carolina 132 395 35.6 27.2 45 121 46.9 22.1South Dakota 71 209 31.1 31.7 22 70 44.7 21.4Tennessee 95 297 33.6 29.1 33 89 48.3 37.5Texas 251 128 43.2 38.5 60 70 64.3 34.2Utah 399 1,150 34.0 34.4 190 791 42.6 27.7Vermont 354 596 25.8 24.3 71 176 34.8 20.4Virginia 813 1,232 41.5 43.0 184 674 55.6 36.3Washington 484 846 37.3 41.7 209 313 45.0 39.2West Virginia 54 154 29.9 22.6 16 20 45.7 37.4Wisconsin 198 834 28.2 23.0 53 343 38.4 26.8Wyoming 97 173 38.2 30.2 32 28 52.5 29.9

National total 217 522 $37.4 $36.3 65 206 $50.5 $34.5

All second mortgages including home equityTable 10a

Average loan size ($ in thousands)


rate raterate


AdjustableAdjustableNumber per credit union

Second mortgages outstanding at offering CUs Second mortgages granted first nine months 2018 by offering CUsAverage loan size ($ in thousands)Number per credit union


(85)S

ection 3 -O



Alabama 2.6 13.6 1.1 0.9 84.4 0.5 24.5 1.0 9.3 65.2Alaska 1.5 25.2 8.6 1.2 65.1 0.5 19.5 0.0 0.9 79.7Arizona 6.5 28.4 0.4 0.5 70.7 2.8 30.5 0.2 0.7 68.7Arkansas 1.8 38.0 1.8 49.1 11.0 0.6 33.0 0.2 58.8 8.0California 5.8 18.5 4.0 0.6 77.0 1.9 17.5 0.5 0.9 81.0Colorado 10.7 20.4 0.6 11.0 67.9 4.9 19.3 0.1 12.4 68.1Connecticut 9.7 44.3 3.7 0.2 51.7 1.9 41.8 0.1 0.3 57.8Delaware 7.2 61.3 1.4 1.5 35.7 1.6 62.3 4.8 3.1 29.7District of Columbia 4.2 10.2 19.8 0.1 69.9 1.4 7.3 4.2 0.3 88.2Florida 4.3 29.9 5.3 2.2 62.7 1.4 30.5 2.3 3.5 63.7Georgia 4.7 22.0 0.5 2.3 75.3 1.4 20.0 0.4 9.1 70.5Hawaii 8.7 9.8 3.4 0.3 86.4 2.6 9.3 0.4 0.2 90.1Idaho 5.2 10.3 1.2 6.6 81.8 2.4 7.6 2.3 5.1 85.0Illinois 4.5 24.8 2.6 2.5 70.1 1.3 24.2 0.9 3.7 71.2Indiana 4.8 25.6 3.2 0.6 70.6 1.6 26.8 5.0 0.6 67.6Iowa 8.4 56.5 2.5 11.0 30.0 2.3 54.4 3.4 14.4 27.8Kansas 5.2 22.7 0.5 1.8 75.0 1.2 31.0 0.8 2.8 65.4Kentucky 8.2 10.4 0.2 7.5 82.0 2.2 9.5 0.0 2.6 87.9Louisiana 2.9 33.7 2.9 7.7 55.7 0.9 37.6 0.1 11.2 51.2Maine 7.3 39.2 0.7 4.4 55.6 1.8 43.8 0.5 5.7 50.0Maryland 11.3 17.5 0.5 0.1 81.9 3.2 13.7 0.0 0.2 86.1Massachusetts 11.7 35.7 3.8 0.5 59.9 3.0 41.5 2.1 0.3 56.1Michigan 4.7 40.0 0.6 0.7 58.6 1.5 38.1 0.7 0.9 60.4Minnesota 7.8 46.4 6.9 0.6 46.1 2.5 45.0 5.6 1.9 47.5Mississippi 0.9 32.0 3.3 6.4 58.3 0.2 20.4 0.2 13.0 66.3Missouri 7.9 20.1 2.7 0.9 76.4 1.8 22.3 2.4 1.5 73.8Montana 4.0 36.6 2.7 9.3 51.4 1.4 38.0 1.3 8.7 52.0Nebraska 7.0 49.1 2.6 5.5 42.9 2.3 54.8 2.3 7.2 35.7Nevada 2.9 20.2 0.2 9.2 70.4 0.9 8.0 0.0 12.2 79.8New Hampshire 5.4 19.8 2.9 1.8 75.5 1.5 27.3 2.2 3.8 66.7New Jersey 9.4 46.0 3.7 0.8 49.5 1.9 36.8 1.3 0.5 61.4New Mexico 3.5 35.5 15.3 0.5 48.6 0.7 42.9 8.5 1.9 46.7New York 10.8 24.5 5.4 1.4 68.7 2.7 23.7 4.9 2.0 69.4North Carolina 4.1 9.6 0.9 0.2 89.3 1.3 9.0 0.3 0.1 90.6North Dakota 5.0 42.5 7.7 29.7 20.0 1.3 38.8 6.0 36.3 18.9Ohio 5.2 26.6 2.0 6.7 64.6 1.4 23.5 1.2 7.2 68.2Oklahoma 2.6 46.5 5.9 11.6 36.0 0.7 39.6 2.5 16.6 41.2Oregon 6.6 23.4 1.5 12.4 62.8 2.9 21.1 0.7 7.0 71.3Pennsylvania 9.2 50.0 3.1 1.5 45.4 2.4 49.6 1.6 4.0 44.8Puerto Rico 0.1 100.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0Rhode Island 7.4 36.1 3.4 0.0 60.6 2.1 33.3 1.9 0.0 64.8South Carolina 4.5 23.6 0.6 1.4 74.4 1.0 26.9 0.3 1.2 71.6South Dakota 6.0 28.4 5.6 2.5 63.5 1.4 39.7 0.1 5.6 54.6Tennessee 3.7 26.3 6.5 3.4 63.8 1.2 23.7 4.1 9.8 62.4Texas 2.6 87.4 0.8 2.7 9.1 0.7 80.5 0.4 6.6 12.6Utah 7.2 26.6 3.0 1.7 68.7 3.7 24.9 2.5 1.5 71.1Vermont 7.5 33.3 2.2 0.7 63.8 1.8 35.1 1.2 0.2 63.4Virginia 4.8 39.0 3.3 0.6 57.1 1.4 28.5 0.7 1.0 69.7Washington 6.9 33.0 0.5 1.5 65.0 2.4 37.3 0.2 1.8 60.7West Virginia 3.5 40.0 2.6 6.3 51.1 0.7 44.9 4.2 8.6 42.2Wisconsin 6.4 22.9 8.7 0.6 67.8 2.7 16.7 5.9 1.5 75.9Wyoming 5.2 35.1 2.3 3.1 59.5 1.2 58.1 4.2 4.2 33.5

National total



Second mortgages outstanding at all CUs Second mortgages granted first nine months 2018 by all CUs

O pen-end/assets

Second % outstanding with

/assets fixed ratemortgage Closed-end Closed-end O pen-end

adj ratesadj rates fixed rate

% granted withmortgage O pen-endClosed-end Closed-end O pen-end

Second

fixed rate adj rates fixed rate adj rates

1.8% 28.5%63.7% 1.7% 3.1%6.0% 30.8% 3.3% 2.2% 66.7%


(86)S

ection 3 -O


By asset size Commercial & Secured by RE Commercial & Secured by RE($ in millions) Industrial (Non-Farm) Industrial (Non-Farm)

Alabama 188,965 5.51 8.2 1.2 0.9 7.0 82.7 19.2 2.1 1.1 15.8 43.1Alaska 578,883 11.70 7.9 0.3 0.0 6.9 84.9 31.0 0.2 0.0 4.9 52.7Arizona 658,334 7.74 2.4 0.1 2.3 2.8 92.5 8.6 0.2 7.9 5.1 61.7Arkansas 560,075 3.61 9.8 0.4 0.0 17.7 72.0 1.5 0.4 0.0 77.5 20.6California 587,386 7.39 0.6 0.9 0.2 5.7 92.5 2.6 2.3 0.3 6.3 78.2Colorado 538,006 6.95 3.8 0.8 2.3 6.2 87.0 14.7 0.4 3.2 5.8 68.7Connecticut 329,779 3.01 0.2 2.5 0.0 11.2 86.2 1.0 3.4 0.0 7.6 77.2Delaware 161,766 5.73 2.2 1.7 1.9 24.2 70.1 7.7 3.2 0.0 21.4 26.7District of Columbia 600,160 0.58 0.0 0.0 0.0 0.0 100.0 0.0 0.0 0.0 0.0 100.0Florida 376,488 5.58 4.2 0.7 0.3 6.9 88.0 12.7 1.0 0.3 8.6 47.7Georgia 408,484 6.04 3.4 0.6 1.1 7.6 87.3 12.3 0.7 0.4 4.4 37.4Hawaii 618,787 6.81 4.1 1.6 0.9 6.0 87.5 3.1 3.4 1.9 4.0 62.4Idaho 328,828 7.90 3.4 0.7 4.6 9.3 82.0 31.9 1.3 7.8 11.4 24.9Illinois 375,087 5.60 2.9 0.3 0.9 5.2 90.7 4.1 0.8 0.8 23.2 55.9Indiana 176,867 13.49 3.9 0.6 37.1 8.6 49.8 14.8 1.2 21.7 21.3 25.5Iowa 434,457 12.40 7.9 0.8 6.9 5.9 78.5 18.7 1.5 4.8 9.1 60.0Kansas 83,467 3.50 1.6 0.6 29.6 12.4 55.9 0.0 0.7 50.5 20.0 18.4Kentucky 281,749 5.47 2.5 0.3 1.3 10.1 85.8 2.4 3.1 1.5 2.5 88.4Louisiana 322,824 5.73 8.4 2.6 0.8 11.0 77.2 12.7 3.3 1.5 13.0 39.2Maine 123,470 4.90 2.7 1.2 1.2 13.1 81.7 0.9 2.0 2.3 20.9 61.6Maryland 421,085 6.44 2.8 3.0 0.3 10.5 83.5 13.2 5.7 0.4 5.4 68.8Massachusetts 415,827 8.27 6.3 0.7 4.2 8.3 80.5 16.5 0.5 3.1 8.7 64.0Michigan 224,733 8.10 5.8 1.2 1.4 8.6 83.0 14.0 3.7 1.1 13.5 45.8Minnesota 223,018 11.40 5.0 0.3 24.6 10.3 59.9 14.1 0.5 23.9 12.8 39.9Mississippi 383,661 5.48 1.7 0.3 0.0 9.5 88.5 3.3 0.2 0.0 4.0 67.6Missouri 269,214 3.88 4.5 0.5 1.8 8.9 84.2 19.5 1.0 1.6 12.5 39.6Montana 169,049 11.42 0.6 0.6 22.5 11.3 65.0 4.4 1.8 42.6 18.9 23.3Nebraska 135,227 4.51 1.0 1.4 35.3 12.6 49.7 2.8 0.2 61.3 9.2 24.8Nevada 597,621 11.95 7.1 0.4 1.4 10.7 80.4 12.4 0.3 1.8 12.4 25.7New Hampshire 370,728 6.03 8.7 0.6 0.0 6.0 84.6 38.9 0.4 0.0 7.3 37.4New Jersey 370,995 7.13 4.9 0.9 0.8 23.2 70.3 8.4 2.6 0.9 14.9 61.7New Mexico 431,061 12.12 6.0 0.2 0.2 3.4 90.2 35.4 0.2 0.1 7.5 36.7New York 468,272 10.74 2.9 0.5 0.2 16.8 79.6 2.2 0.9 0.2 10.8 76.0North Carolina 396,450 3.32 6.4 0.6 0.0 17.9 75.1 16.5 0.5 0.0 8.1 60.7North Dakota 142,066 46.32 3.1 0.4 62.7 5.6 28.2 5.4 0.5 71.4 11.6 8.0Ohio 168,120 6.35 5.1 3.3 1.4 6.3 83.9 17.4 3.4 1.5 6.6 49.1Oklahoma 447,177 2.38 2.2 1.7 3.4 8.5 84.2 5.5 0.2 1.6 6.7 70.2Oregon 301,217 8.48 2.3 0.5 6.3 7.9 83.1 7.3 1.9 9.0 14.8 50.4Pennsylvania 223,804 4.72 4.0 1.6 0.7 4.9 88.9 5.0 2.1 0.3 8.1 67.5Puerto Rico 290,336 3.84 0.0 0.0 0.0 3.3 96.7 0.0 0.0 0.0 39.2 0.0Rhode Island 283,077 7.41 4.8 1.0 0.4 8.9 84.9 22.4 1.5 0.0 14.1 39.8South Carolina 121,995 1.72 3.0 0.7 0.7 7.0 88.5 13.9 2.3 0.9 9.5 51.4South Dakota 124,411 11.82 1.5 0.4 18.7 18.7 60.6 7.6 0.2 23.5 34.0 9.4Tennessee 413,498 5.92 1.7 0.8 0.7 4.3 92.4 18.8 1.2 1.7 5.4 61.1Texas 394,743 3.93 5.4 0.8 1.4 5.7 86.6 15.7 1.8 2.2 9.2 51.9Utah 483,934 9.71 9.5 0.3 1.1 3.9 85.2 23.3 0.5 0.0 4.1 48.4Vermont 187,116 8.74 4.0 1.5 0.9 12.9 80.8 25.7 3.2 0.0 18.3 36.0Virginia 426,989 1.73 3.8 0.9 0.8 9.7 84.7 17.3 2.0 1.5 11.9 55.7Washington 606,788 11.35 4.8 0.4 0.6 5.6 88.7 12.2 1.4 0.8 11.3 63.6West Virginia 169,454 4.78 4.5 0.5 0.0 2.5 92.5 2.6 3.3 0.0 7.0 86.7Wisconsin 274,150 12.24 4.6 0.6 6.1 6.1 82.6 12.5 1.7 6.5 14.6 51.2Wyoming 112,403 4.24 1.3 0.4 1.3 4.1 92.9 8.0 0.0 0.2 7.5 77.8

National total 335,893 8.0% 82.1% 10.4% 55.4%

$ Business



% of total business loans outstanding at offering CUs

Average loans/ $ Construction/size total loans development Unsecured

6.79% 4.1% 0.8% 5.0% 12.1% 1.5% 5.7%

development Unsecured RelatedAg- Construction/

Related

% of total business loans granted first nine months 2018 at offering CUs

Ag-


(87)S

ection 3 -O



Alabama 1.82 228,708 1.56 1.29 0.42 5.71 10.67 23.00Alaska 27.27 688,979 4.80 4.04 6.27 5.01 4.68 23.00Arizona 9.52 926,110 1.83 1.30 0.43 3.85 3.38 4.50Arkansas 1.79 1,003,945 8.27 4.62 0.11 94.58 100.00 6.00California 10.36 406,223 4.03 5.82 3.24 9.58 18.63 31.25Colorado 3.70 611,072 1.81 1.59 0.49 8.34 10.18 13.33Connecticut 2.11 344,605 0.85 0.81 0.05 12.24 11.11 2.50Delaware 11.76 166,973 1.80 1.75 0.47 2.84 3.45 4.00District of Columbia 0.00 0 0.00 0.00 0.00 0.00 0.00 0.00Florida 13.53 504,404 4.53 3.38 1.74 10.99 7.21 12.83Georgia 6.73 276,587 1.93 2.85 0.69 4.96 7.45 10.29Hawaii 12.73 84,458 2.75 20.12 2.40 5.39 32.51 18.86Idaho 5.88 348,964 3.59 3.38 1.94 5.08 6.63 33.00Illinois 3.47 457,721 1.93 1.58 0.29 2.57 2.45 8.44Indiana 7.79 240,861 0.41 0.30 0.31 1.56 1.30 4.00Iowa 9.09 464,756 1.56 1.46 0.78 5.51 4.93 8.63Kansas 0.00 0 0.00 0.00 0.00 0.00 0.00 0.00Kentucky 6.35 68,959 0.23 0.94 0.19 0.87 3.16 3.00Louisiana 6.15 266,541 4.18 5.06 0.41 5.93 7.64 6.73Maine 14.55 80,960 1.77 2.71 1.16 6.87 5.93 8.00Maryland 9.52 324,040 1.26 1.63 0.54 3.07 4.38 5.63Massachusetts 12.80 152,827 2.52 6.85 2.55 3.66 10.35 19.95Michigan 16.52 302,873 3.27 2.43 1.70 3.98 3.22 10.27Minnesota 13.76 414,721 2.28 1.23 0.99 3.84 1.74 7.20Mississippi 2.67 399,129 0.78 0.75 0.05 1.54 1.48 2.00Missouri 3.60 195,770 0.88 1.21 0.16 2.70 3.81 4.50Montana 5.88 213,477 2.16 1.71 0.73 3.36 3.91 12.33Nebraska 5.00 177,637 3.34 2.55 0.37 7.46 4.80 7.33Nevada 6.67 987,002 7.24 4.38 1.80 20.34 17.31 27.00New Hampshire 40.00 122,383 1.91 5.79 4.33 1.96 6.05 10.83New Jersey 5.00 255,228 4.71 6.85 0.68 6.22 10.83 13.63New Mexico 0.00 0 0.00 0.00 0.00 0.00 0.00 0.00New York 6.14 175,568 0.84 2.25 0.82 1.14 3.69 13.38North Carolina 6.94 367,563 2.10 2.26 0.94 3.00 3.12 13.60North Dakota 8.57 111,219 0.82 1.05 2.66 1.36 1.95 31.00Ohio 7.87 89,574 1.69 3.17 0.98 3.19 6.69 12.43Oklahoma 6.67 176,631 2.31 5.86 0.53 3.29 15.17 8.00Oregon 17.24 532,862 2.53 1.43 1.19 4.68 2.98 6.90Pennsylvania 2.68 683,100 1.44 0.47 0.09 2.88 1.90 3.20Puerto Rico 0.00 0 0.00 0.00 0.00 0.00 0.00 0.00Rhode Island 25.00 169,438 6.43 10.75 7.75 6.46 10.82 31.00South Carolina 0.00 0 0.00 0.00 0.00 0.00 0.00 0.00South Dakota 10.81 322,066 7.57 2.93 1.76 13.30 8.98 16.25Tennessee 2.14 237,270 0.49 0.85 0.16 4.12 10.41 7.67Texas 5.02 315,840 5.22 6.52 1.09 7.87 12.63 21.78Utah 17.74 353,607 11.27 15.42 11.34 11.79 16.97 63.91Vermont 26.32 76,785 4.05 9.86 8.26 5.95 12.46 31.40Virginia 9.38 503,571 5.63 4.77 1.78 8.11 7.28 19.00Washington 11.49 566,523 1.94 2.08 1.80 2.81 4.16 15.70West Virginia 1.15 154,866 0.44 0.48 0.03 3.39 3.16 3.00Wisconsin 13.95 225,382 2.47 3.01 3.29 2.69 3.74 23.56Wyoming 3.70 133,876 0.25 0.21 0.07 4.08 3.64 2.00

National total 2.90 3.10 1.18 5.03 6.21 15.91

SBA loansNumber of

SBA loans outstanding at all CUs

per CU business loans business loans per CUbusiness loanstotal $

business loanssize


% of CUs $ SBA loans/ Number of Number of Number ofSBA loans outstanding at offering CUs

SBA loans/SBA loans total $SBA loans/$ SBA loans/

7.39% $314,378

offering AverageSBA loans


(88)S

ection 3 -O


By stateAlabama 0.51 0.70 0.11 0.10 0.04 0.03 0.67 0.82Alaska 0.69 0.76 0.18 0.05 0.14 0.01 1.01 0.82Arizona 0.39 0.49 0.04 0.06 0.02 0.01 0.46 0.56Arkansas 0.52 0.58 0.09 0.11 0.06 0.05 0.66 0.74California 0.32 0.58 0.06 0.03 0.02 0.00 0.39 0.61Colorado 0.36 0.47 0.04 0.03 0.01 0.01 0.41 0.51Connecticut 0.39 0.61 0.14 0.19 0.13 0.07 0.66 0.87Delaware 0.77 1.02 0.11 0.13 0.18 0.05 1.06 1.20District of Columbia 0.48 0.74 0.10 0.17 0.07 0.02 0.65 0.93Florida 0.39 0.54 0.06 0.04 0.08 0.01 0.54 0.59Georgia 0.38 0.57 0.06 0.06 0.02 0.01 0.46 0.64Hawaii 0.59 0.78 0.09 0.10 0.05 0.03 0.74 0.91Idaho 0.42 0.61 0.07 0.07 0.01 0.01 0.51 0.68Illinois 0.46 0.73 0.10 0.11 0.07 0.03 0.64 0.88Indiana 0.38 0.63 0.09 0.10 0.08 0.03 0.56 0.76Iowa 0.52 0.91 0.17 0.17 0.05 0.05 0.73 1.12Kansas 0.56 0.80 0.10 0.15 0.02 0.02 0.69 0.97Kentucky 0.55 0.68 0.08 0.10 0.03 0.02 0.67 0.80Louisiana 0.70 1.07 0.17 0.20 0.06 0.06 0.94 1.33Maine 0.51 0.55 0.11 0.10 0.06 0.03 0.67 0.68Maryland 0.59 0.85 0.12 0.11 0.09 0.02 0.80 0.98Massachusetts 0.41 0.64 0.12 0.21 0.05 0.03 0.58 0.88Michigan 0.51 0.80 0.12 0.16 0.05 0.02 0.67 0.98Minnesota 0.33 0.50 0.06 0.07 0.03 0.02 0.42 0.59Mississippi 0.81 1.12 0.17 0.18 0.02 0.02 1.01 1.32Missouri 0.52 0.72 0.11 0.11 0.06 0.03 0.69 0.87Montana 0.41 0.52 0.09 0.10 0.03 0.02 0.54 0.64Nebraska 0.55 0.80 0.09 0.11 0.05 0.02 0.69 0.93Nevada 0.38 0.35 0.13 0.03 0.07 0.01 0.58 0.39New Hampshire 0.24 0.33 0.02 0.01 0.01 0.01 0.27 0.36New Jersey 0.99 1.44 0.27 0.26 0.46 0.09 1.72 1.79New Mexico 0.41 0.53 0.05 0.05 0.08 0.01 0.53 0.59New York 0.52 0.73 0.19 0.10 0.39 0.07 1.10 0.89North Carolina 1.18 1.15 0.24 0.10 0.09 0.03 1.51 1.28North Dakota 0.72 0.51 0.44 0.12 0.08 0.05 1.24 0.68Ohio 0.47 0.70 0.09 0.11 0.08 0.06 0.64 0.87Oklahoma 0.57 0.72 0.09 0.11 0.02 0.01 0.68 0.84Oregon 0.26 0.34 0.05 0.04 0.01 0.01 0.32 0.39Pennsylvania 0.43 0.60 0.10 0.09 0.09 0.04 0.62 0.72Puerto Rico 0.45 0.47 0.12 0.03 0.34 0.07 0.90 0.57Rhode Island 0.26 0.50 0.04 0.04 0.03 0.02 0.34 0.56South Carolina 0.42 0.79 0.06 0.07 0.04 0.03 0.52 0.89South Dakota 0.36 0.62 0.18 0.14 0.05 0.05 0.59 0.82Tennessee 0.38 0.57 0.06 0.08 0.02 0.01 0.46 0.67Texas 0.54 0.88 0.11 0.18 0.04 0.03 0.68 1.09Utah 0.50 0.82 0.09 0.10 0.05 0.04 0.64 0.96Vermont 0.47 0.64 0.13 0.13 0.15 0.04 0.75 0.81Virginia 0.78 1.23 0.09 0.05 0.04 0.01 0.90 1.29Washington 0.27 0.34 0.04 0.03 0.01 0.01 0.32 0.38West Virginia 0.78 0.94 0.12 0.20 0.10 0.08 1.00 1.23Wisconsin 0.45 0.68 0.15 0.14 0.06 0.04 0.65 0.86Wyoming 0.39 0.56 0.06 0.06 0.02 0.01 0.47 0.63

National total


0.10%

Dollar

0.50%

Number

0.75% 0.67%


0.87%

Dollar6-12 months delinquent

NumberDollarTotalOver 12 months delinquent

0.09%

Number

0.02%0.07%

Dollar Number


(89)S

ection 3 -O


By stateAlabama 0.56 0.03 0.00 0.60 0.14 0.06 0.01 0.20Alaska 1.16 0.01 0.01 1.18 0.14 0.02 0.01 0.17Arizona 0.72 0.11 0.00 0.83 0.06 0.01 0.00 0.06Arkansas 0.21 0.00 0.00 0.22 0.09 0.02 0.01 0.11California 1.03 0.04 0.00 1.07 0.13 0.02 0.00 0.15Colorado 0.52 0.02 0.00 0.54 0.08 0.00 0.00 0.08Connecticut 0.87 0.27 0.11 1.25 0.18 0.05 0.02 0.25Delaware 1.06 0.19 0.00 1.25 0.39 0.05 0.10 0.53District of Columbia 1.66 0.48 0.00 2.14 0.62 0.17 0.00 0.80Florida 0.68 0.03 0.00 0.70 0.06 0.01 0.01 0.09Georgia 0.55 0.07 0.00 0.62 0.08 0.02 0.00 0.10Hawaii 0.86 0.05 0.05 0.96 0.48 0.08 0.02 0.58Idaho 0.60 0.04 0.01 0.64 0.12 0.02 0.00 0.15Illinois 0.91 0.11 0.01 1.03 0.15 0.02 0.01 0.18Indiana 0.77 0.08 0.02 0.87 0.10 0.03 0.05 0.18Iowa 1.14 0.09 0.01 1.25 0.10 0.05 0.01 0.15Kansas 0.79 0.19 0.01 0.99 0.12 0.03 0.01 0.16Kentucky 0.77 0.08 0.00 0.85 0.37 0.03 0.01 0.40Louisiana 1.07 0.17 0.01 1.24 0.26 0.06 0.02 0.35Maine 0.83 0.16 0.00 0.99 0.15 0.04 0.00 0.19Maryland 1.15 0.17 0.00 1.33 0.21 0.03 0.02 0.27Massachusetts 1.37 0.42 0.01 1.80 0.14 0.04 0.01 0.18Michigan 0.83 0.14 0.02 0.98 0.20 0.05 0.02 0.27Minnesota 0.53 0.06 0.02 0.62 0.12 0.04 0.01 0.16Mississippi 1.12 0.04 0.00 1.17 0.23 0.04 0.01 0.28Missouri 0.89 0.08 0.01 0.98 0.11 0.02 0.01 0.14Montana 0.71 0.09 0.00 0.79 0.27 0.04 0.04 0.35Nebraska 0.94 0.10 0.00 1.04 0.13 0.04 0.03 0.20Nevada 0.76 0.00 0.00 0.76 0.14 0.15 0.09 0.37New Hampshire 0.53 0.00 0.01 0.54 0.05 0.01 0.00 0.06New Jersey 1.51 0.27 0.01 1.79 1.21 0.32 0.60 2.13New Mexico 0.88 0.04 0.00 0.92 0.08 0.01 0.01 0.10New York 1.09 0.18 0.01 1.28 0.58 0.33 0.67 1.58North Carolina 1.21 0.04 0.00 1.25 0.19 0.01 0.00 0.20North Dakota 0.76 0.16 0.00 0.93 0.55 0.27 0.10 0.92Ohio 0.89 0.13 0.01 1.03 0.11 0.03 0.01 0.14Oklahoma 1.06 0.07 0.00 1.14 0.13 0.03 0.00 0.16Oregon 0.65 0.04 0.00 0.70 0.08 0.02 0.00 0.10Pennsylvania 0.82 0.08 0.01 0.90 0.16 0.04 0.01 0.20Puerto Rico 0.34 0.00 0.00 0.34 0.26 0.02 0.03 0.31Rhode Island 0.52 0.02 0.00 0.55 0.07 0.00 0.03 0.11South Carolina 0.86 0.10 0.06 1.02 0.16 0.01 0.00 0.18South Dakota 0.50 0.09 0.10 0.69 0.10 0.03 0.03 0.16Tennessee 0.73 0.09 0.00 0.82 0.11 0.02 0.00 0.13Texas 1.07 0.15 0.00 1.22 0.20 0.07 0.01 0.28Utah 0.82 0.08 0.02 0.92 0.15 0.02 0.01 0.18Vermont 0.57 0.09 0.01 0.67 0.22 0.03 0.04 0.30Virginia 1.80 0.04 0.00 1.84 0.45 0.02 0.00 0.47Washington 0.38 0.02 0.01 0.40 0.06 0.01 0.00 0.06West Virginia 1.05 0.49 0.02 1.55 0.24 0.06 0.05 0.35Wisconsin 0.73 0.16 0.03 0.92 0.22 0.06 0.01 0.28Wyoming 0.69 0.03 0.02 0.74 0.11 0.02 0.00 0.14

National total

6-12 months Over 12 months


Unsecured credit card loans All other consumer loans

0.04% 0.27%

6-12 months Over 12 monthsDollar amount delinquent Dollar amount delinquent

Total 2-6 months Total2-6 months

1.18% 0.08% 0.01% 1.26% 0.19% 0.04%


(90)S

ection 3 -O


By stateAlabama 0.26 0.05 0.07 0.38 0.65 0.11 0.11 0.86 0.49 0.13 0.00 0.62 0.25 0.06 0.01 0.32Alaska 1.23 1.76 1.44 4.43 0.24 0.05 0.02 0.30 0.27 0.10 0.00 0.37 0.87 0.04 0.90 1.81Arizona 0.30 0.00 0.00 0.30 0.71 0.00 0.18 0.89 0.33 0.18 0.00 0.51 0.25 0.04 0.00 0.29Arkansas 0.66 0.05 0.14 0.84 0.16 0.04 0.03 0.23 0.63 0.00 0.24 0.87 0.30 0.00 0.00 0.30California 0.15 0.03 0.02 0.20 0.36 0.19 0.05 0.61 0.30 0.07 0.06 0.42 0.27 0.07 0.03 0.36Colorado 0.18 0.04 0.00 0.23 0.22 0.04 0.01 0.26 0.16 0.04 0.02 0.21 0.14 0.05 0.01 0.20Connecticut 0.29 0.10 0.11 0.50 0.27 0.05 0.65 0.97 0.32 0.22 0.21 0.75 0.46 0.35 0.19 1.00Delaware 0.69 0.08 0.38 1.15 0.54 0.00 0.00 0.54 0.74 0.05 0.34 1.13 0.67 0.64 0.02 1.32District of Columbia 0.23 0.03 0.04 0.30 0.54 0.04 0.15 0.73 0.46 0.09 0.22 0.77 1.00 0.35 0.32 1.66Florida 0.35 0.08 0.18 0.61 0.53 0.12 0.22 0.87 0.40 0.12 0.43 0.95 0.27 0.11 0.09 0.47Georgia 0.20 0.06 0.04 0.31 0.39 0.04 0.02 0.44 0.39 0.12 0.03 0.54 0.16 0.01 0.01 0.18Hawaii 0.30 0.03 0.03 0.36 0.60 0.15 0.06 0.81 0.40 0.00 0.29 0.69 0.21 0.07 0.05 0.33Idaho 0.08 0.03 0.03 0.14 0.21 0.15 0.00 0.36 0.58 0.17 0.12 0.86 0.22 0.17 0.05 0.43Illinois 0.23 0.08 0.12 0.43 0.34 0.20 0.18 0.72 0.37 0.12 0.14 0.63 0.31 0.07 0.06 0.45Indiana 0.21 0.05 0.15 0.41 0.18 0.09 0.02 0.29 0.40 0.08 0.08 0.56 0.17 0.07 0.04 0.28Iowa 0.16 0.06 0.01 0.24 0.41 0.31 0.11 0.83 0.36 0.16 0.07 0.58 0.28 0.06 0.07 0.40Kansas 0.38 0.04 0.03 0.45 0.81 0.10 0.00 0.91 0.46 0.03 0.00 0.50 0.33 0.12 0.01 0.46Kentucky 0.18 0.05 0.02 0.25 0.35 0.08 0.07 0.50 0.57 0.20 0.04 0.81 0.31 0.05 0.06 0.42Louisiana 0.47 0.18 0.07 0.71 0.75 0.23 0.13 1.11 0.33 0.20 0.14 0.67 0.13 0.07 0.03 0.23Maine 0.35 0.11 0.10 0.55 0.91 0.17 0.04 1.12 0.26 0.08 0.14 0.48 0.39 0.05 0.02 0.45Maryland 0.37 0.11 0.17 0.66 0.66 0.11 0.17 0.94 0.44 0.17 0.15 0.76 0.28 0.08 0.08 0.44Massachusetts 0.24 0.07 0.05 0.36 0.46 0.15 0.09 0.70 0.14 0.06 0.06 0.26 0.28 0.07 0.08 0.43Michigan 0.32 0.09 0.07 0.48 0.29 0.07 0.04 0.40 0.47 0.15 0.11 0.72 0.30 0.13 0.03 0.47Minnesota 0.20 0.04 0.02 0.26 0.24 0.03 0.05 0.32 0.26 0.04 0.03 0.33 0.30 0.06 0.02 0.39Mississippi 0.92 0.25 0.02 1.19 0.15 0.09 0.00 0.25 1.85 0.05 0.00 1.89 0.29 0.00 0.00 0.29Missouri 0.37 0.11 0.11 0.59 0.40 0.14 0.16 0.71 0.25 0.03 0.12 0.41 0.28 0.03 0.03 0.35Montana 0.19 0.13 0.00 0.32 0.14 0.01 0.00 0.15 0.66 0.03 0.04 0.73 0.32 0.08 0.01 0.40Nebraska 0.44 0.04 0.11 0.59 0.41 0.04 0.00 0.45 0.31 0.12 0.08 0.51 0.78 0.00 0.00 0.79Nevada 0.39 0.14 0.05 0.58 0.14 0.00 0.00 0.14 0.23 0.00 0.00 0.23 0.23 0.01 0.09 0.32New Hampshire 0.12 0.01 0.01 0.14 0.13 0.08 0.00 0.22 0.49 0.00 0.22 0.71 0.23 0.07 0.02 0.32New Jersey 0.35 0.12 0.40 0.87 0.52 0.25 0.37 1.13 0.78 0.29 0.60 1.66 0.50 0.25 0.57 1.32New Mexico 0.45 0.06 0.17 0.68 0.28 0.05 0.22 0.56 0.32 0.10 0.19 0.61 0.37 0.23 0.11 0.70New York 0.23 0.06 0.23 0.51 0.44 0.13 0.36 0.94 0.38 0.12 0.31 0.81 0.32 0.13 0.30 0.75North Carolina 0.67 0.14 0.10 0.91 1.59 0.38 0.14 2.12 0.83 0.10 0.21 1.15 0.36 0.09 0.06 0.50North Dakota 0.26 0.81 0.15 1.22 0.72 0.56 0.01 1.29 1.97 0.41 0.06 2.44 1.32 0.13 0.03 1.49Ohio 0.28 0.09 0.10 0.47 0.52 0.07 0.22 0.81 0.58 0.22 0.23 1.03 0.26 0.09 0.10 0.45Oklahoma 0.36 0.07 0.05 0.47 0.59 0.02 0.07 0.68 0.44 0.08 0.08 0.61 0.22 0.06 0.08 0.36Oregon 0.15 0.04 0.03 0.22 0.21 0.09 0.01 0.31 0.44 0.09 0.01 0.54 0.08 0.04 0.01 0.13Pennsylvania 0.35 0.12 0.16 0.63 0.39 0.15 0.15 0.69 0.42 0.13 0.18 0.72 0.28 0.12 0.12 0.52Puerto Rico 1.06 0.76 2.69 4.51 0.00 0.00 0.00 0.00 0.00 2.92 0.00 2.92 0.00 0.00 0.00 0.00Rhode Island 0.18 0.03 0.03 0.24 0.27 0.05 0.02 0.34 0.45 0.08 0.12 0.65 0.57 0.20 0.00 0.78South Carolina 0.24 0.03 0.05 0.33 0.44 0.10 0.07 0.61 0.30 0.10 0.10 0.50 0.31 0.11 0.16 0.57South Dakota 0.20 0.11 0.04 0.35 0.23 0.61 0.01 0.85 0.41 0.01 0.00 0.41 0.03 0.00 0.12 0.15Tennessee 0.18 0.04 0.02 0.24 0.53 0.09 0.09 0.71 0.17 0.14 0.01 0.32 0.52 0.03 0.07 0.62Texas 0.32 0.07 0.07 0.46 0.38 0.06 0.06 0.50 0.31 0.05 0.06 0.42 0.19 0.01 0.13 0.33Utah 0.18 0.04 0.13 0.36 0.11 0.01 0.02 0.14 0.16 0.03 0.01 0.19 0.28 0.04 0.02 0.34Vermont 0.17 0.08 0.25 0.50 0.56 0.20 0.09 0.84 0.68 0.14 0.28 1.10 0.50 0.14 0.14 0.77Virginia 0.35 0.12 0.07 0.54 0.27 0.06 0.07 0.40 0.43 0.09 0.11 0.63 0.24 0.11 0.06 0.41Washington 0.16 0.04 0.01 0.21 0.24 0.06 0.06 0.36 0.29 0.04 0.05 0.37 0.27 0.05 0.02 0.34West Virginia 0.48 0.03 0.08 0.58 0.93 0.20 0.18 1.31 0.79 0.02 0.06 0.87 0.55 0.04 0.07 0.66Wisconsin 0.22 0.05 0.06 0.33 0.35 0.23 0.08 0.66 0.21 0.09 0.07 0.36 0.23 0.06 0.07 0.37Wyoming 0.16 0.02 0.03 0.21 0.18 0.08 0.00 0.26 0.43 0.00 0.03 0.46 0.02 0.08 0.00 0.11

National total

Dollar amount delinquent2-6

Table 15Real estate loan delinquency ratios (%)

First mortgage fixed rate/hybrid/balloon First mortgage adjustable rate Other RE fixed rate/hybrid/balloon Other RE adjustable rate

2-6months Total


Dollar amount delinquent Dollar amount delinquent6-12 Over 12 Over 12

0.26% 0.07% 0.08% 0.42%

2-6 6-126-12 2-6months months months months months Total

Over 12Over 12

0.28% 0.09%

months months

0.55% 0.17% 0.11% 0.82% 0.37% 0.10% 0.13% 0.60%

months Total

0.09% 0.46%

months Total months months


(91)S

ection 3 -O


By stateAlabama 0.62 0.12 0.02 0.76 0.33 0.07 0.01 0.41 0.32 0.34 0.32 0.98 0.00 0.00 0.00 0.00Alaska 0.57 0.05 0.00 0.62 0.15 0.01 0.00 0.16 0.05 0.01 0.12 0.18 0.00 0.00 0.00 0.00Arizona 0.42 0.05 0.02 0.49 0.05 0.00 0.00 0.06 0.74 0.00 0.14 0.88 0.00 0.00 0.00 0.00Arkansas 0.52 0.06 0.02 0.61 0.08 0.00 0.00 0.08 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00California 0.37 0.03 0.01 0.40 0.50 0.15 0.05 0.69 0.36 0.12 0.04 0.52 0.00 1.10 0.00 1.10Colorado 0.56 0.04 0.01 0.61 0.46 0.00 0.01 0.47 0.06 0.00 0.00 0.06 0.24 0.00 0.00 0.24Connecticut 0.27 0.05 0.01 0.33 0.41 0.13 0.02 0.56 0.28 0.02 1.15 1.45 0.00 0.00 0.00 0.00Delaware 0.53 0.04 0.02 0.59 2.50 0.06 1.44 4.00 1.44 0.00 0.95 2.40 0.00 0.00 0.00 0.00District of Columbia 0.00 0.00 0.00 0.00 0.22 0.01 0.00 0.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00Florida 0.35 0.02 0.00 0.38 0.21 0.03 0.01 0.25 0.21 0.16 0.27 0.63 0.00 0.00 0.00 0.00Georgia 0.29 0.04 0.00 0.33 0.40 0.04 0.03 0.47 0.06 0.00 0.00 0.06 0.00 0.00 0.00 0.00Hawaii 1.49 0.13 0.04 1.65 1.13 0.09 0.01 1.22 0.68 0.15 0.01 0.84 0.00 0.00 0.00 0.00Idaho 0.61 0.04 0.00 0.64 0.44 0.03 0.00 0.47 0.10 0.02 0.01 0.13 0.12 0.30 0.28 0.70Illinois 0.74 0.13 0.04 0.91 0.48 0.16 0.43 1.07 0.19 0.17 0.12 0.47 0.00 0.00 0.00 0.00Indiana 0.52 0.09 0.01 0.62 0.60 0.07 0.04 0.71 0.27 0.18 0.70 1.14 0.30 0.21 1.13 1.63Iowa 0.83 0.18 0.06 1.07 0.52 0.01 0.01 0.53 0.14 0.41 0.06 0.61 0.22 5.54 0.00 5.76Kansas 0.49 0.07 0.01 0.58 0.24 0.01 0.00 0.25 0.80 0.16 0.11 1.07 0.69 0.34 0.00 1.03Kentucky 0.65 0.09 0.01 0.75 3.37 0.01 0.07 3.44 1.43 0.00 0.04 1.47 0.00 0.00 0.00 0.00Louisiana 0.59 0.11 0.04 0.75 0.15 0.03 0.01 0.19 0.27 0.17 0.00 0.44 0.00 0.00 0.00 0.00Maine 0.93 0.14 0.02 1.10 0.08 0.00 0.02 0.10 0.54 0.17 0.00 0.71 0.00 0.00 0.00 0.00Maryland 0.78 0.14 0.00 0.92 0.34 0.03 0.03 0.40 0.12 0.04 0.19 0.34 0.00 0.00 0.00 0.00Massachusetts 0.47 0.10 0.03 0.59 0.11 0.03 0.03 0.17 0.13 0.06 0.00 0.19 0.98 0.00 0.00 0.98Michigan 0.65 0.13 0.03 0.81 0.35 0.21 0.18 0.74 0.40 0.14 0.24 0.78 0.00 0.00 0.00 0.00Minnesota 0.54 0.08 0.03 0.65 0.35 0.06 0.02 0.42 0.23 0.12 0.00 0.35 0.29 0.23 0.01 0.52Mississippi 0.57 0.11 0.01 0.70 0.52 0.28 0.00 0.80 0.47 0.05 0.00 0.52 0.00 0.00 0.00 0.00Missouri 0.68 0.11 0.03 0.82 0.60 0.05 0.10 0.75 0.19 0.06 0.06 0.31 0.00 0.00 0.00 0.00Montana 0.32 0.05 0.02 0.40 1.36 0.02 0.57 1.96 0.32 0.05 0.03 0.39 0.45 0.12 0.00 0.56Nebraska 0.88 0.18 0.02 1.08 0.25 0.08 0.00 0.33 0.37 0.29 0.37 1.02 0.00 0.00 0.00 0.00Nevada 0.39 0.07 0.02 0.47 0.54 0.11 0.27 0.91 0.22 0.16 0.27 0.65 0.00 0.00 0.00 0.00New Hampshire 0.26 0.01 0.00 0.27 0.66 0.10 0.87 1.63 0.03 0.00 0.00 0.03 0.00 0.00 0.00 0.00New Jersey 0.82 0.05 0.03 0.90 2.57 0.64 1.84 5.05 3.37 0.80 1.83 5.99 0.00 0.00 0.00 0.00New Mexico 0.34 0.04 0.01 0.39 0.22 0.03 0.16 0.41 0.26 0.01 0.31 0.58 0.00 0.00 0.00 0.00New York 0.43 0.07 0.15 0.65 1.26 0.93 2.28 4.46 0.99 0.65 1.75 3.40 0.00 0.00 0.00 0.00North Carolina 0.62 0.06 0.01 0.68 0.25 0.09 0.02 0.36 0.15 0.01 0.00 0.17 0.00 0.00 0.00 0.00North Dakota 0.61 0.11 0.00 0.72 1.76 1.06 0.00 2.83 2.29 2.12 0.23 4.65 0.83 0.69 0.10 1.62Ohio 0.44 0.06 0.04 0.54 0.36 0.05 0.37 0.78 0.15 0.09 0.17 0.40 1.30 0.00 0.00 1.30Oklahoma 0.56 0.07 0.01 0.65 0.38 0.04 0.06 0.48 0.49 0.14 0.03 0.66 0.00 0.00 0.00 0.00Oregon 0.31 0.04 0.00 0.35 0.58 0.00 0.00 0.59 0.17 0.13 0.02 0.33 0.26 0.95 0.00 1.22Pennsylvania 0.31 0.04 0.01 0.36 0.57 0.06 0.05 0.68 0.20 0.33 0.06 0.59 0.00 0.00 0.00 0.00Puerto Rico 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.10 3.10 0.00 0.00 0.00 0.00Rhode Island 0.29 0.03 0.03 0.34 0.38 0.00 0.06 0.44 0.31 0.00 0.04 0.35 0.00 0.00 0.00 0.00South Carolina 0.23 0.02 0.00 0.24 0.15 0.02 0.00 0.17 0.04 0.02 0.00 0.06 0.00 0.00 0.00 0.00South Dakota 0.56 0.09 0.03 0.68 0.86 0.13 2.61 3.61 0.37 0.95 0.00 1.33 0.00 0.01 0.05 0.05Tennessee 0.41 0.04 0.00 0.45 0.46 0.00 0.00 0.46 0.03 0.00 0.00 0.03 0.00 0.00 0.00 0.00Texas 0.58 0.06 0.02 0.66 0.31 0.11 0.01 0.43 0.31 0.10 0.08 0.50 0.00 0.00 0.00 0.00Utah 0.61 0.11 0.04 0.76 3.31 0.08 0.04 3.43 0.30 0.01 0.26 0.58 0.05 0.00 0.00 0.05Vermont 1.05 0.31 0.06 1.42 0.17 0.00 0.05 0.22 0.05 0.03 0.69 0.77 0.00 0.00 0.00 0.00Virginia 0.98 0.18 0.03 1.20 0.29 0.05 0.00 0.34 0.19 0.03 0.08 0.29 0.00 0.00 0.00 0.00Washington 0.34 0.03 0.00 0.38 0.41 0.03 0.01 0.45 0.05 0.00 0.01 0.07 0.00 0.00 0.00 0.00West Virginia 1.33 0.12 0.04 1.49 0.11 0.00 0.13 0.24 0.03 0.00 0.03 0.07 0.00 0.00 0.00 0.00Wisconsin 0.69 0.15 0.03 0.87 0.45 0.05 0.00 0.50 0.21 0.29 0.05 0.56 0.48 0.21 0.22 0.92Wyoming 0.42 0.05 0.03 0.49 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

National total


Table 16

Additional delinquency ratios (%)Indirect lending Participation loans MBLs (excluding Ag-related loans) Agricultural loans

2-6months Total


Dollar amount delinquent Dollar amount delinquent6-12 Over 12 Over 12

0.51% 0.07% 0.02% 0.61%

2-6 6-126-12 2-6months months months months months Total

Over 12Over 12

0.42% 0.53%

months months

0.54% 0.15% 0.25% 0.94% 0.35% 0.18% 0.27% 0.81%

months Total

0.37% 1.32%

months Total months months


(92)S

ection 3 -O


By StateAlabama 0.87 129.83 15.30 22.71 0.03 0.36 26.5Alaska 0.90 89.33 130.64 34.45 0.18 0.34 13.4Arizona 0.90 196.65 38.43 9.69 0.05 0.25 22.7Arkansas 0.57 85.93 4.23 6.41 0.00 0.44 23.4California 0.71 179.34 25.48 7.55 0.06 0.12 17.1Colorado 0.64 157.88 19.46 5.98 0.04 0.14 16.5Connecticut 0.65 97.57 4.98 0.95 0.00 0.15 20.2Delaware 1.30 122.84 6.65 5.59 0.00 0.19 26.5District of Columbia 0.88 135.73 2.14 1.62 0.03 0.05 14.8Florida 0.96 179.02 31.23 13.86 0.28 0.17 12.4Georgia 0.65 141.89 11.27 16.72 0.01 0.18 14.1Hawaii 1.27 173.05 3.33 1.53 0.00 0.07 13.7Idaho 0.54 107.01 32.09 4.88 0.00 0.17 19.6Illinois 0.77 120.22 13.54 6.54 0.02 0.19 23.5Indiana 0.76 137.35 18.31 8.84 0.02 0.21 27.7Iowa 0.65 89.07 15.23 3.67 0.01 0.18 16.1Kansas 0.88 128.24 13.43 9.44 0.09 0.43 17.7Kentucky 1.01 151.27 22.68 13.95 0.02 0.45 25.1Louisiana 0.78 82.26 4.91 10.76 0.01 0.38 19.8Maine 0.56 82.54 6.85 1.35 0.02 0.10 9.9Maryland 0.95 119.19 24.88 10.04 0.02 0.29 21.4Massachusetts 0.66 112.58 6.05 2.26 0.01 0.11 11.9Michigan 0.73 108.65 23.11 9.82 0.19 0.31 21.8Minnesota 0.61 145.45 12.64 4.03 0.05 0.15 25.7Mississippi 1.11 109.86 7.29 9.81 0.00 0.40 17.1Missouri 0.85 124.18 13.88 9.88 0.04 0.33 18.2Montana 0.70 131.23 4.04 0.92 0.02 0.12 19.4Nebraska 0.74 107.46 6.63 4.03 0.03 0.27 24.8Nevada 0.82 140.29 26.47 9.47 0.07 0.21 21.8New Hampshire 0.42 154.03 30.60 8.67 0.00 0.13 6.2New Jersey 1.44 84.05 4.52 2.49 0.00 0.19 18.5New Mexico 0.76 142.73 19.56 2.29 0.00 0.17 21.6New York 1.24 112.97 11.16 3.58 0.03 0.18 10.8North Carolina 1.08 71.94 19.49 24.06 0.10 0.17 12.9North Dakota 1.24 99.87 2.34 0.60 0.11 0.20 4.9Ohio 0.69 108.33 13.85 6.46 0.03 0.38 24.9Oklahoma 0.84 123.57 50.28 11.78 0.03 0.35 23.9Oregon 0.56 175.15 29.17 9.81 0.05 0.19 22.5Pennsylvania 0.72 115.95 5.68 3.40 0.00 0.16 18.2Puerto Rico 1.59 176.24 2.42 5.67 0.00 0.20 22.8Rhode Island 0.44 130.37 11.65 4.05 0.10 0.10 11.5South Carolina 0.80 152.20 7.40 13.87 0.02 0.15 12.0South Dakota 0.51 86.47 5.03 0.97 0.00 0.09 11.1Tennessee 0.70 151.67 18.13 13.31 0.04 0.30 27.4Texas 0.74 108.33 9.45 8.26 0.05 0.15 9.6Utah 1.03 161.10 29.79 19.94 0.02 0.16 20.4Vermont 0.61 81.08 8.84 1.63 0.05 0.12 11.6Virginia 1.52 168.52 80.12 50.01 0.09 0.20 19.7Washington 0.77 237.61 34.93 13.21 0.07 0.16 18.6West Virginia 0.65 65.48 2.17 0.46 0.00 0.18 15.8Wisconsin 0.59 90.73 19.21 7.71 0.03 0.18 27.7Wyoming 0.67 143.19 12.74 2.89 0.15 0.20 15.3

National total

per CUbankruptcies

outstandingLoans bankruptcies

per CU

Bankruptcy

131.02%

Allowance for loan lossas % of

Delinquentloans

0.19%16.18

Number ofchapter 7

Loan balances subject

(as % of)

8.68

Number ofchapter 13

bankruptciesper CU

0.04

to bankruptcies

total loans

17.9%0.88%

Table 17Allowance for loan loss and bankruptcy

% of $ Net charge off

Number ofchapter 11

due to bankruptcy


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By StateAlabama 0.10 0.76 30.75 0.58 1.96 0.04 0.25 0.02Alaska 0.06 0.86 32.14 0.65 3.13 0.03 0.10 0.04Arizona 0.11 0.72 33.63 0.54 2.27 0.02 -0.15 0.00Arkansas 0.03 0.59 30.39 0.45 2.07 0.02 0.15 0.00California 0.03 0.43 28.64 0.34 2.29 0.01 -0.11 0.22Colorado 0.05 0.54 40.05 0.38 1.84 0.00 -0.01 0.01Connecticut 0.03 0.40 23.81 0.33 1.84 0.03 0.13 0.17Delaware 0.03 1.19 26.01 0.96 2.01 0.56 0.27 0.79District of Columbia 0.02 0.27 24.51 0.22 1.76 0.00 0.14 0.00Florida 0.05 0.73 31.60 0.56 2.02 0.01 -0.05 0.24Georgia 0.07 0.72 24.06 0.59 1.80 0.01 -0.03 1.99Hawaii 0.06 0.71 27.10 0.57 1.57 0.03 -0.02 1.34Idaho 0.04 0.51 24.99 0.41 1.55 0.00 0.00 0.01Illinois 0.03 0.56 23.96 0.46 2.12 0.03 0.10 0.30Indiana 0.05 0.43 28.48 0.34 1.69 0.02 0.07 0.02Iowa 0.04 0.45 19.92 0.38 2.33 0.01 0.09 0.00Kansas 0.16 0.79 24.05 0.65 2.08 0.13 0.10 0.84Kentucky 0.03 0.73 26.50 0.58 1.98 0.03 0.10 0.81Louisiana 0.06 0.86 32.21 0.65 1.92 0.05 0.09 0.37Maine 0.04 0.34 36.38 0.25 1.33 0.01 0.05 0.05Maryland 0.05 0.76 26.18 0.61 2.51 0.04 0.06 0.18Massachusetts 0.03 0.32 30.65 0.25 2.63 0.02 0.02 0.04Michigan 0.04 0.58 30.24 0.45 1.69 0.02 0.03 0.11Minnesota 0.04 0.31 36.49 0.23 1.34 0.01 0.00 0.01Mississippi 0.10 1.15 25.09 0.93 2.37 0.09 0.49 0.07Missouri 0.09 0.78 21.27 0.66 2.47 0.01 0.06 0.01Montana 0.20 0.38 25.02 0.31 1.62 0.11 0.01 0.29Nebraska 0.02 0.53 40.12 0.37 1.55 0.02 0.03 -0.07Nevada 0.08 0.57 33.31 0.43 3.32 0.07 -0.89 0.15New Hampshire 0.01 0.40 30.76 0.30 1.71 0.01 0.02 0.00New Jersey 0.13 0.92 31.86 0.70 2.56 0.06 0.14 1.05New Mexico 0.07 0.56 23.02 0.47 2.12 0.02 0.06 0.06New York 0.09 0.70 25.43 0.56 2.14 0.04 0.06 1.65North Carolina 0.04 0.57 18.48 0.49 2.02 0.04 0.05 0.02North Dakota 0.13 0.27 21.83 0.23 1.10 0.05 0.04 0.38Ohio 0.05 0.59 31.70 0.45 1.85 0.02 0.09 0.04Oklahoma 0.12 0.93 35.71 0.68 2.52 0.02 0.10 0.14Oregon 0.04 0.43 30.58 0.33 1.81 0.00 -0.08 -0.01Pennsylvania 0.03 0.54 22.47 0.45 2.01 0.05 0.07 0.19Puerto Rico 0.07 0.93 39.23 0.65 2.45 0.00 0.00 0.00Rhode Island 0.03 0.18 47.49 0.11 1.83 0.01 0.03 0.00South Carolina 0.04 0.71 28.38 0.56 1.78 0.01 -0.03 0.07South Dakota 0.05 0.24 27.76 0.19 0.81 0.07 0.02 0.10Tennessee 0.07 0.48 32.21 0.37 1.51 0.01 0.04 0.02Texas 0.05 0.71 21.55 0.59 2.42 0.01 0.04 0.03Utah 0.14 0.61 25.46 0.49 1.85 0.00 -0.03 0.05Vermont 0.03 0.34 18.89 0.29 1.56 0.01 0.08 0.11Virginia 0.04 1.47 16.82 1.28 4.23 0.03 0.03 0.41Washington 0.04 0.54 27.27 0.43 1.71 0.00 -0.20 -0.01West Virginia 0.06 0.40 30.81 0.31 1.60 0.04 0.04 0.00Wisconsin 0.04 0.31 26.42 0.25 1.61 0.02 0.03 0.01Wyoming 0.10 0.59 37.08 0.42 1.42 0.03 0.12 0.02

National total1 Member business loan charged off includes ag-related business loans.

Annualized Chargeoffs (as a percent of period-end loans)

$ Charged off/

Foreclosed & credit card

charged offs/ charged off/$ Net charged$ Recoveries/

0.54%

$ charged off

0.05% 0.67% 24.76%

$ loans out


off/ loans out credit card loans 1st mortgages RE loansassets

RE charged $ Net MBLsrepossessed assets/

% Net Other RE% Net % Net 1stmortgages

2.76% 0.02%

MBLsoff/ other charged offs

1/

0.01% 0.29%


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ection 3 -O


By stateAlabama 86.4 98.2 74.5 68.2 57.3 77.3 9.1 2.7 42.7Alaska 100.0 81.8 100.0 90.9 27.3 54.5 18.2 0.0 81.8Arizona 95.2 83.3 59.5 90.5 14.3 54.8 14.3 11.9 54.8Arkansas 78.6 92.9 89.3 98.2 7.1 94.6 3.6 0.0 10.7California 94.8 79.6 80.9 90.0 8.1 70.6 18.4 6.5 64.7Colorado 88.9 87.7 84.0 90.1 17.3 66.7 24.7 2.5 48.1Connecticut 87.4 85.3 77.9 75.8 10.5 76.8 5.3 2.1 36.8Delaware 94.1 88.2 64.7 88.2 17.6 70.6 5.9 0.0 64.7District of Columbia 70.3 75.7 89.2 78.4 18.9 64.9 29.7 0.0 54.1Florida 95.5 94.0 78.2 83.5 26.3 74.4 23.3 5.3 60.9Georgia 77.9 90.4 78.8 79.8 27.9 78.8 5.8 5.8 37.5Hawaii 98.2 89.1 96.4 85.5 9.1 89.1 12.7 7.3 80.0Idaho 97.1 88.2 61.8 88.2 11.8 73.5 8.8 0.0 38.2Illinois 71.0 78.4 89.2 92.7 28.2 82.2 7.7 2.3 31.3Indiana 93.5 89.6 74.7 90.3 16.9 77.9 10.4 5.2 36.4Iowa 79.5 22.7 98.9 95.5 10.2 86.4 3.4 5.7 30.7Kansas 86.3 92.5 81.3 93.8 10.0 80.0 7.5 1.3 26.3Kentucky 92.1 95.2 90.5 93.7 9.5 90.5 11.1 3.2 36.5Louisiana 74.3 79.3 86.6 95.0 7.8 86.0 3.9 1.7 22.3Maine 100.0 83.6 78.2 92.7 3.6 78.2 5.5 1.8 41.8Maryland 79.8 72.6 88.1 81.0 14.3 58.3 15.5 4.8 58.3Massachusetts 82.3 87.8 94.5 84.1 35.4 77.4 11.0 4.9 53.0Michigan 98.2 96.0 75.4 93.3 12.1 65.6 16.5 5.4 59.8Minnesota 95.4 84.4 86.2 86.2 37.6 76.1 8.3 5.5 36.7Mississippi 72.0 94.7 90.7 85.3 18.7 86.7 2.7 4.0 25.3Missouri 86.5 89.2 89.2 86.5 11.7 82.9 3.6 5.4 36.9Montana 94.1 94.1 88.2 96.1 21.6 84.3 7.8 0.0 31.4Nebraska 95.0 85.0 78.3 91.7 20.0 88.3 5.0 0.0 31.7Nevada 100.0 93.3 86.7 86.7 20.0 73.3 0.0 6.7 80.0New Hampshire 93.3 100.0 93.3 100.0 13.3 73.3 20.0 13.3 66.7New Jersey 73.8 84.4 86.3 81.9 13.8 74.4 9.4 1.9 42.5New Mexico 95.1 80.5 90.2 87.8 22.0 75.6 9.8 2.4 39.0New York 84.8 83.9 87.1 87.1 23.4 69.3 9.6 3.2 36.3North Carolina 87.5 95.8 77.8 68.1 13.9 70.8 12.5 2.8 43.1North Dakota 85.7 14.3 100.0 91.4 11.4 88.6 0.0 2.9 34.3Ohio 89.5 92.5 80.5 83.1 21.7 81.6 6.0 6.4 38.2Oklahoma 95.0 78.3 95.0 91.7 1.7 73.3 6.7 3.3 55.0Oregon 98.3 86.2 74.1 91.4 10.3 70.7 17.2 6.9 56.9Pennsylvania 81.2 93.0 83.6 89.8 13.1 77.5 7.5 4.6 35.4Puerto Rico 75.0 91.7 100.0 91.7 25.0 100.0 16.7 0.0 50.0Rhode Island 95.0 90.0 95.0 85.0 40.0 70.0 10.0 0.0 55.0South Carolina 92.1 96.8 65.1 77.8 17.5 73.0 14.3 1.6 46.0South Dakota 94.6 97.3 70.3 91.9 40.5 89.2 18.9 0.0 24.3Tennessee 88.6 97.1 69.3 86.4 13.6 80.7 10.7 0.7 40.0Texas 89.3 88.2 94.5 91.3 7.2 77.3 5.9 2.0 36.2Utah 80.6 90.3 79.0 88.7 14.5 62.9 12.9 3.2 37.1Vermont 94.7 84.2 89.5 100.0 5.3 52.6 10.5 15.8 42.1Virginia 88.3 87.5 91.4 83.6 11.7 65.6 10.9 8.6 50.0Washington 98.9 80.5 87.4 85.1 9.2 64.4 12.6 8.0 57.5West Virginia 81.6 95.4 89.7 90.8 12.6 86.2 3.4 3.4 18.4Wisconsin 92.2 92.2 91.5 79.1 45.7 65.9 7.0 3.9 36.4Wyoming 96.3 92.6 81.5 85.2 18.5 77.8 11.1 3.7 25.9

National total 76.0% 9.9% 3.9% 41.6%87.5%

hand financial institutions

87.1% 86.6% 84.6%

corporate CUs

Cash Cash on Cash onon deposit in deposit in other

17.6%

central CUscommercial banks


Mutualfunds

Shares/depositsGovernment

securitiesin corporate agency

FederalDeposits in

S&Ls & MSBsCash

equivalents securities


(95)S

ection 3 -O


By stateAlabama 2.8 7.5 5.7 1.4 1.9 6.5 1.0 0.8 64.6 1.1 6.7Alaska 9.7 1.5 15.9 20.9 0.1 1.5 0.3 0.0 17.9 0.3 31.9Arizona 2.3 3.7 11.0 2.3 0.1 2.8 0.5 1.2 63.1 0.2 12.8Arkansas 4.2 12.0 7.5 0.7 0.5 31.6 0.0 0.0 33.1 0.5 9.9California 2.0 2.4 17.3 0.6 0.3 5.0 2.3 0.4 59.9 0.1 9.5Colorado 3.0 4.2 33.9 6.0 0.4 10.5 2.0 0.2 29.9 0.5 9.4Connecticut 1.7 3.2 7.9 13.2 0.1 14.4 0.2 0.1 45.9 0.2 13.1Delaware 2.7 7.5 5.9 0.1 0.1 10.6 0.0 0.0 62.2 0.7 10.3District of Columbia 0.8 1.6 10.4 0.5 0.3 7.0 30.6 0.0 40.0 0.2 8.7Florida 3.4 6.3 18.9 0.9 1.0 5.4 3.4 1.1 50.5 0.4 8.8Georgia 3.6 8.7 17.1 0.8 0.4 9.3 0.2 0.2 54.4 0.2 5.0Hawaii 0.9 3.9 12.4 0.7 0.1 14.1 0.8 0.7 51.1 0.1 15.2Idaho 8.6 10.0 19.2 0.8 0.4 33.0 4.1 0.0 11.1 0.6 12.1Illinois 1.9 3.1 9.4 0.1 0.4 12.7 10.0 1.2 46.3 0.2 14.7Indiana 4.2 5.3 18.5 0.2 0.6 15.9 0.8 0.4 36.4 0.5 17.2Iowa 4.9 0.5 18.9 0.1 0.6 17.9 0.1 5.6 28.1 0.4 22.9Kansas 4.5 15.0 4.2 0.6 0.4 23.8 0.1 0.1 33.9 1.6 15.8Kentucky 3.7 18.4 11.2 1.7 0.6 20.7 1.8 0.0 29.7 0.7 11.5Louisiana 5.2 10.6 13.6 0.1 0.1 25.9 0.3 0.6 29.4 0.6 13.5Maine 5.4 10.8 8.7 0.9 0.1 35.2 0.2 0.1 16.9 0.8 20.9Maryland 2.8 3.0 25.1 9.0 0.3 8.8 1.8 0.4 40.2 0.2 8.5Massachusetts 2.3 4.4 21.7 0.9 0.8 9.9 0.9 2.8 42.1 0.4 13.8Michigan 3.2 5.4 7.3 0.1 1.1 6.7 1.2 0.3 51.1 0.5 23.0Minnesota 2.5 3.6 14.2 0.2 1.0 13.3 0.2 0.3 35.3 0.2 29.2Mississippi 6.4 12.0 11.4 0.4 0.4 18.8 0.0 7.4 35.9 0.8 6.7Missouri 4.5 3.3 16.4 1.1 0.2 14.1 4.0 0.2 46.5 0.5 9.2Montana 2.4 8.4 5.6 0.0 0.4 18.0 0.7 0.0 41.4 0.6 22.6Nebraska 3.6 7.6 11.2 0.9 1.6 40.1 0.1 0.0 18.1 0.8 16.1Nevada 3.3 4.7 32.2 0.0 0.4 6.9 0.0 0.1 44.9 0.2 7.3New Hampshire 5.2 11.4 20.3 0.0 0.2 8.7 3.4 0.9 39.6 0.8 9.5New Jersey 1.2 7.2 6.4 0.6 0.6 16.9 0.3 0.3 53.3 0.3 12.9New Mexico 2.7 2.9 20.3 0.2 0.4 6.1 0.6 0.0 55.7 0.1 11.0New York 2.1 2.6 10.7 0.9 0.3 5.8 0.6 1.0 59.0 0.1 16.8North Carolina 3.2 2.8 56.4 0.6 0.3 1.8 27.0 0.3 4.5 0.2 3.0North Dakota 3.1 0.0 20.0 0.4 0.1 23.5 0.0 0.6 37.3 0.1 14.8Ohio 3.6 8.0 15.1 3.8 2.1 13.4 0.9 1.1 27.0 1.4 23.5Oklahoma 2.5 4.2 10.8 0.2 0.0 6.7 3.5 0.4 53.4 0.2 18.1Oregon 3.3 5.5 33.3 0.1 0.4 8.7 5.4 0.4 30.8 0.2 11.9Pennsylvania 2.2 8.8 16.7 0.3 0.5 12.5 0.5 0.7 42.6 0.7 14.6Puerto Rico 1.5 5.9 10.9 0.2 0.9 14.5 1.2 0.0 45.4 0.3 19.2Rhode Island 2.4 4.1 18.7 0.1 0.3 12.2 0.4 0.0 37.7 0.3 23.6South Carolina 9.2 12.8 17.6 5.1 0.7 10.9 3.1 0.4 32.6 1.0 6.8South Dakota 4.3 8.0 19.7 0.6 2.3 28.6 0.5 0.0 13.4 0.3 22.2Tennessee 5.0 14.6 14.6 2.2 0.5 17.6 1.9 0.0 35.6 1.0 7.1Texas 3.7 6.1 19.1 0.4 0.2 13.3 1.0 0.3 43.3 0.3 12.3Utah 4.8 7.5 21.6 3.4 0.5 8.1 0.3 0.0 39.2 0.6 13.9Vermont 4.7 6.9 18.9 0.0 0.3 9.8 0.3 1.0 45.3 0.4 12.4Virginia 1.8 1.4 8.0 0.9 0.1 2.0 19.8 1.0 42.7 0.1 22.2Washington 3.2 2.6 24.7 0.8 0.0 5.5 0.7 0.7 55.4 0.1 6.3West Virginia 3.4 8.6 5.6 0.2 0.6 53.7 0.3 0.9 10.3 1.0 15.3Wisconsin 4.4 18.3 16.9 1.3 6.2 9.9 1.5 0.4 27.9 2.6 10.6Wyoming 4.8 13.0 11.1 1.9 0.2 38.3 0.1 0.0 12.8 1.9 15.9

National total 13.3%0.7% 45.1%

Capital atcorporate

Otherinvestments

0.4%

Governmentsecurities

Federalagency

fundsMutual

securities


Shares/dep. Dep. in(Items as a % of surplus funds)

8.9%0.6%17.3%

comm. banksS&Ls & MSBs

in corpcentral CUs

Cash

4.8%

Dep. n Dep. inFin. Inst.

2.9% 1.2%

On hand corp CUs Equivalents

4.9%


(96)S

ection 3 -O


By stateAlabama 38.3 19.5 22.8 17.9 1.5 0.4 82.8 1.9 14.9 112.7 8.0Alaska 82.7 4.2 7.9 5.1 0.1 0.0 88.1 2.5 9.3 98.3 8.8Arizona 36.7 17.1 21.9 20.8 3.5 1.0 64.9 27.0 7.1 95.9 35.6Arkansas 56.8 23.2 8.7 10.9 0.3 0.0 43.3 2.4 54.3 102.6 16.8California 43.6 28.7 20.0 7.4 0.4 0.1 69.4 19.3 11.3 97.8 12.7Colorado 68.5 15.9 10.5 4.9 0.2 0.0 66.4 2.9 30.6 100.9 4.9Connecticut 44.8 32.9 19.3 2.4 0.6 0.1 19.0 55.2 25.7 98.3 2.2Delaware 34.9 23.1 32.6 9.0 0.4 0.0 78.8 3.9 17.2 98.6 12.5District of Columbia 64.7 20.0 9.3 5.4 0.5 0.0 80.2 8.0 11.8 97.1 18.8Florida 54.9 22.3 15.1 7.3 0.4 1.1 73.7 11.2 14.1 98.3 12.4Georgia 51.3 26.9 15.7 5.5 0.6 0.0 74.4 6.4 19.1 98.9 8.1Hawaii 34.9 28.1 25.5 9.4 2.2 0.1 40.8 36.4 22.7 97.2 16.5Idaho 61.9 23.3 10.8 3.6 0.4 0.0 25.4 2.3 72.3 98.4 1.1Illinois 50.7 35.5 11.3 2.0 0.4 0.3 72.3 6.8 20.7 98.4 6.1Indiana 53.0 23.8 15.0 7.0 1.2 0.1 40.2 25.2 34.5 98.4 9.2Iowa 44.5 22.5 9.7 21.6 1.6 0.0 48.7 14.0 37.2 98.2 3.8Kansas 48.6 23.7 13.8 10.1 3.8 0.0 36.9 10.7 52.4 96.8 10.0Kentucky 58.5 26.3 11.0 3.7 0.4 0.1 32.3 21.4 46.1 98.3 2.7Louisiana 49.5 27.1 14.6 8.0 0.9 0.1 28.6 24.1 47.2 97.7 13.8Maine 58.3 24.6 9.4 6.8 0.8 0.0 21.8 12.4 65.7 98.5 2.0Maryland 62.2 22.0 11.3 3.5 1.0 0.0 66.7 12.8 20.5 98.0 11.4Massachusetts 52.6 21.2 13.6 10.2 2.4 4.9 57.3 11.3 26.4 98.7 8.0Michigan 32.4 35.9 24.9 6.5 0.4 0.3 74.8 8.6 16.2 98.5 12.6Minnesota 43.6 25.4 18.8 11.6 0.5 0.1 66.6 6.4 27.0 99.1 11.7Mississippi 43.6 25.9 24.9 5.3 0.1 0.0 63.0 2.7 34.3 98.8 17.5Missouri 42.1 30.5 22.7 4.5 0.2 0.0 66.1 5.9 28.0 99.2 8.9Montana 42.0 23.0 18.2 13.0 3.8 0.5 59.0 8.4 32.1 97.7 18.5Nebraska 52.4 29.6 14.5 3.1 0.4 0.0 19.2 9.0 71.8 98.3 2.7Nevada 62.9 14.9 15.1 6.6 0.6 0.1 66.9 16.8 16.2 98.0 12.3New Hampshire 53.3 29.6 8.8 6.5 1.8 0.0 74.7 0.8 24.5 100.7 4.0New Jersey 40.3 34.6 22.4 2.4 0.2 0.0 36.6 38.0 25.4 98.3 3.9New Mexico 43.9 42.6 11.4 1.8 0.3 0.0 63.0 19.7 17.3 100.8 1.8New York 37.3 26.4 22.5 12.9 0.9 0.2 63.4 23.6 12.8 99.1 14.7North Carolina 66.6 19.5 12.7 1.0 0.1 0.0 86.0 5.0 8.9 99.9 0.4North Dakota 45.8 29.2 20.1 4.4 0.5 0.7 41.5 15.9 41.9 99.7 6.4Ohio 55.0 25.9 14.2 4.2 0.6 0.7 38.5 22.8 37.9 99.0 8.8Oklahoma 41.2 22.7 23.6 11.7 0.8 0.1 82.1 5.3 12.5 96.4 23.2Oregon 65.2 18.7 10.7 4.5 0.9 0.9 59.1 16.7 23.4 99.0 7.5Pennsylvania 53.0 28.3 13.6 4.6 0.4 0.0 62.4 10.9 26.7 98.7 8.2Puerto Rico 48.8 38.4 11.5 1.2 0.0 0.0 40.7 31.5 27.7 100.4 5.7Rhode Island 47.4 36.9 12.2 2.5 0.9 0.0 43.3 25.6 31.1 98.5 1.0South Carolina 62.7 25.1 8.2 3.0 1.0 0.0 38.0 31.3 30.7 98.5 1.2South Dakota 60.9 24.6 8.3 3.4 2.9 0.0 32.3 4.3 63.4 101.8 2.1Tennessee 61.1 26.6 9.3 2.3 0.7 0.2 39.2 23.5 37.2 96.7 2.1Texas 54.8 24.5 15.7 3.8 1.2 0.3 51.4 22.0 26.4 97.9 15.3Utah 51.4 27.9 18.9 1.5 0.2 0.0 27.4 52.4 20.2 98.0 1.2Vermont 40.2 23.0 18.1 10.9 7.8 0.0 78.7 1.0 20.3 102.2 9.1Virginia 21.4 15.9 24.2 34.2 4.3 0.0 88.2 4.8 7.0 98.3 17.8Washington 52.2 16.3 20.9 10.1 0.5 0.0 66.8 20.9 12.3 96.5 20.3West Virginia 47.7 33.1 12.0 5.8 1.4 0.0 8.1 12.1 79.8 96.9 1.1Wisconsin 65.8 17.3 11.7 3.7 1.4 0.0 51.5 6.8 41.6 98.7 4.6Wyoming 52.9 26.0 11.9 3.2 6.0 0.2 19.7 0.3 79.8 98.2 1.6



Fair valueamort cost

Maturity of surplus fundsFAS 15

FAS 115 classification of investmentsGreater than

24.9%

10 yrs.5 - 10 yrs.3 - 5 yrs.

17.8% 9.1% 1.1%

CMOs &REMICS1 yr.

Non-FAS115 HTM

Availablefor sale

Less thanof HTM1 - 3 yrs. Trading

64.7% 98.2%15.6% 19.4%

HTM

0.3%


(97)S

ection 3 -O


By stateAlabama 13.6 15.6 9.1 48.0 12.9 0.9 9,521Alaska 21.0 19.6 5.5 23.7 28.5 1.7 10,034Arizona 14.1 10.6 5.6 30.6 38.6 0.6 9,757Arkansas 9.2 18.9 9.1 44.6 14.5 3.7 7,162California 13.0 17.1 5.3 38.0 25.3 1.4 13,848Colorado 16.5 18.7 4.6 31.3 26.6 2.3 11,089Connecticut 13.2 14.2 4.7 47.7 18.5 1.6 10,398Delaware 17.3 14.3 6.9 44.9 15.6 1.0 8,127District of Columbia 22.6 14.3 1.8 30.4 30.6 0.3 24,600Florida 16.5 15.6 6.9 40.2 18.9 1.9 9,622Georgia 20.7 13.1 6.5 37.7 20.9 1.1 9,479Hawaii 14.9 15.3 4.8 46.2 17.2 1.7 11,366Idaho 18.9 28.1 5.5 29.6 14.4 3.5 9,319Illinois 11.9 14.4 5.9 54.0 13.0 0.8 11,964Indiana 18.3 16.1 5.7 36.2 19.8 3.9 9,037Iowa 12.0 30.7 5.4 29.7 15.9 6.1 12,149Kansas 18.1 23.2 7.6 31.1 15.1 5.0 7,989Kentucky 13.8 25.9 7.6 38.9 13.2 0.6 8,853Louisiana 15.7 18.2 6.1 47.2 8.0 4.9 7,984Maine 17.2 18.9 9.1 37.6 14.5 2.7 9,591Maryland 16.8 20.0 6.5 39.2 14.8 2.7 11,039Massachusetts 15.1 18.9 6.2 37.8 18.9 3.1 10,404Michigan 15.9 15.9 5.1 30.1 31.4 1.6 9,809Minnesota 16.7 16.9 5.9 35.3 23.9 1.2 11,374Mississippi 13.0 24.9 7.6 39.7 13.8 1.0 7,274Missouri 20.3 14.2 6.8 35.4 22.3 0.9 7,865Montana 15.7 11.1 6.8 55.6 9.6 1.1 11,326Nebraska 17.9 19.0 6.0 42.1 12.5 2.5 7,515Nevada 22.3 5.3 4.9 44.9 22.5 0.2 12,450New Hampshire 16.5 26.5 5.9 33.3 17.6 0.3 9,991New Jersey 15.9 13.1 7.9 49.3 10.7 3.0 11,235New Mexico 19.5 18.6 6.0 38.5 16.5 0.9 10,847New York 12.8 20.8 5.8 38.8 19.9 1.9 12,041North Carolina 13.1 13.9 9.8 18.9 43.1 1.2 11,650North Dakota 24.7 21.5 4.3 30.3 16.3 2.8 15,007Ohio 16.5 20.3 7.0 33.7 18.5 4.0 8,810Oklahoma 15.1 22.0 6.9 32.7 22.2 1.2 9,448Oregon 17.5 9.8 5.2 37.0 29.6 0.9 10,762Pennsylvania 14.9 19.3 8.6 36.0 19.8 1.4 9,793Puerto Rico 4.6 19.9 2.3 69.9 0.0 3.4 7,575Rhode Island 11.1 36.7 7.4 28.8 14.7 1.4 12,908South Carolina 18.7 16.8 9.1 34.8 18.8 1.7 7,569South Dakota 20.6 20.1 6.1 27.8 22.7 2.6 10,464Tennessee 18.0 21.8 7.3 36.4 14.4 2.1 9,375Texas 18.1 20.9 5.9 37.3 15.3 2.5 9,815Utah 16.4 20.2 5.0 27.0 24.0 7.4 8,990Vermont 17.7 17.2 7.0 35.3 21.0 1.9 10,024Virginia 5.7 28.4 8.6 34.8 21.7 0.8 9,214Washington 16.5 12.5 4.5 46.2 19.5 0.7 11,860West Virginia 14.4 15.3 7.4 56.8 4.5 1.5 8,384Wisconsin 15.8 19.2 5.8 34.0 22.9 2.2 10,022Wyoming 23.0 21.0 4.8 32.6 15.7 2.9 10,033

National total $10,4751 So me c redit unio ns s weep s hare dra ft ba lances into the regula r s hare ba lances weekly to reduce res e rve requirements . This caus es a dis to rtio n (i.e . to ta l s hare dra ft ba lances appear s malle r than they o therwis e wo uld be) where the las t bus ines s day o f the mo nth lands o n Friday, as was the cas e in Augus t and September 2018.


per memberOtherRegular savingsmarket

6.4%

Share drafts

TotalMoney

sharesIRAs

36.8%

Certificates

Percent of total savings

1.9%

shares

18.8%14.6% 21.6%


(98)S

ection 3 -O


By stateAlabama 2,358 29,771 23,011 4,116 39,159 4,206Alaska 4,249 33,567 18,676 2,747 47,923 61,333Arizona 2,256 24,920 17,093 2,765 25,303 3,703Arkansas 1,605 28,214 24,684 3,033 44,417 12,934California 2,817 33,852 16,782 4,888 39,513 21,060Colorado 3,203 26,508 14,941 2,945 35,059 6,128Connecticut 2,800 25,478 11,572 4,226 32,250 3,900Delaware 2,735 20,144 15,566 3,178 40,275 1,991District of Columbia 7,214 25,525 13,018 6,211 69,005 864Florida 2,269 26,046 15,260 3,164 32,388 5,492Georgia 3,520 21,482 16,949 3,404 39,880 5,103Hawaii 3,499 24,212 14,329 5,239 47,773 9,664Idaho 2,812 33,058 19,866 2,791 35,737 2,062Illinois 3,014 25,370 16,111 5,448 37,919 6,131Indiana 3,321 25,007 16,478 2,925 43,093 6,845Iowa 2,604 31,784 18,131 2,939 40,344 35,740Kansas 3,210 24,065 18,110 2,312 33,707 13,377Kentucky 2,486 24,180 16,667 3,123 31,617 6,665Louisiana 2,816 29,549 18,823 3,335 45,594 3,718Maine 2,602 21,139 14,812 2,856 28,031 10,445Maryland 3,517 23,650 13,721 3,757 38,323 8,900Massachusetts 3,027 28,927 16,921 3,915 32,658 12,003Michigan 2,599 20,981 14,794 2,513 35,191 4,999Minnesota 3,085 20,401 13,648 3,385 37,821 3,995Mississippi 2,017 30,707 18,991 2,530 39,976 1,888Missouri 3,032 17,930 17,370 2,462 35,161 1,054Montana 3,587 19,418 20,397 5,702 39,251 5,089Nebraska 2,911 18,850 14,078 3,175 24,399 10,894Nevada 4,168 22,413 19,744 4,799 41,726 2,201New Hampshire 2,931 30,475 17,757 2,790 47,223 3,848New Jersey 4,032 23,406 25,228 4,469 42,420 13,604New Mexico 3,746 28,156 18,991 3,614 44,657 3,905New York 2,658 29,407 15,397 4,078 36,735 9,583North Carolina 2,625 27,514 25,250 2,143 41,259 2,764North Dakota 5,543 26,407 16,651 3,423 40,701 4,586Ohio 3,163 24,218 16,696 2,556 35,257 7,809Oklahoma 3,076 31,631 21,601 2,975 39,548 12,586Oregon 2,907 24,072 16,304 3,331 33,993 7,700Pennsylvania 2,427 18,653 14,702 3,001 19,969 2,496Puerto Rico 4,833 31,266 8,569 4,302 0 3,210Rhode Island 3,311 45,218 18,484 3,692 56,412 6,780South Carolina 2,210 22,141 19,562 2,351 33,634 3,781South Dakota 3,700 20,945 15,899 2,592 32,651 3,890Tennessee 3,073 33,803 20,204 3,081 39,029 4,114Texas 3,185 31,091 18,052 3,388 43,095 18,434Utah 2,327 17,384 13,112 2,204 19,578 7,782Vermont 3,422 21,337 15,867 3,349 47,403 5,447Virginia 3,726 23,183 15,710 2,100 34,398 2,955Washington 2,865 26,903 15,622 5,167 43,714 15,410West Virginia 2,570 19,473 19,991 4,209 44,440 5,008Wisconsin 2,955 22,515 14,611 2,794 45,188 10,244Wyoming 4,413 23,546 14,407 2,853 36,070 27,453


IRAs accounts


All othershares &Regular

Money market

$6,555

shares shares

$25,950 $16,708 $3,308 $35,977

Share drafts Certificates


(99)S

ection 3 -O


By stateAlabama 77.3 80.0 70.0 100.0 46.4 54.5 6.4Alaska 100.0 100.0 100.0 100.0 90.9 63.6 63.6Arizona 90.5 85.7 81.0 100.0 73.8 52.4 28.6Arkansas 73.2 82.1 57.1 100.0 30.4 41.1 5.4California 87.7 86.4 82.8 100.0 68.3 46.0 22.3Colorado 84.0 93.8 85.2 100.0 74.1 69.1 18.5Connecticut 80.0 81.1 68.4 100.0 54.7 50.5 16.8Delaware 88.2 94.1 76.5 100.0 70.6 70.6 17.6District of Columbia 64.9 73.0 62.2 100.0 45.9 40.5 24.3Florida 95.5 94.0 87.2 100.0 74.4 51.9 21.8Georgia 69.2 82.7 66.3 100.0 46.2 54.8 9.6Hawaii 89.1 85.5 70.9 100.0 40.0 45.5 9.1Idaho 94.1 88.2 73.5 100.0 58.8 61.8 26.5Illinois 64.5 64.5 49.8 100.0 34.7 31.7 13.1Indiana 84.4 83.1 68.8 100.0 52.6 57.8 21.4Iowa 75.0 77.3 68.2 100.0 54.5 45.5 26.1Kansas 73.8 80.0 62.5 100.0 42.5 63.8 18.8Kentucky 85.7 85.7 76.2 100.0 46.0 36.5 17.5Louisiana 60.9 59.2 50.3 100.0 20.7 39.7 8.4Maine 100.0 100.0 94.5 100.0 87.3 76.4 27.3Maryland 77.4 78.6 66.7 100.0 61.9 46.4 20.2Massachusetts 78.0 84.1 67.1 100.0 62.8 57.9 33.5Michigan 95.1 92.4 88.8 100.0 79.9 64.7 23.7Minnesota 90.8 89.9 72.5 100.0 65.1 52.3 19.3Mississippi 64.0 68.0 48.0 100.0 25.3 41.3 10.7Missouri 79.3 73.0 55.0 100.0 43.2 33.3 18.9Montana 90.2 90.2 72.5 100.0 54.9 54.9 17.6Nebraska 91.7 90.0 71.7 100.0 43.3 46.7 16.7Nevada 86.7 80.0 80.0 100.0 60.0 46.7 0.0New Hampshire 86.7 86.7 73.3 100.0 66.7 40.0 46.7New Jersey 61.3 63.1 51.3 100.0 35.0 36.3 7.5New Mexico 82.9 90.2 82.9 100.0 43.9 56.1 17.1New York 76.3 72.2 56.4 100.0 43.6 40.6 14.3North Carolina 88.9 88.9 83.3 100.0 65.3 51.4 20.8North Dakota 82.9 77.1 74.3 100.0 57.1 57.1 17.1Ohio 83.1 83.5 66.7 100.0 53.9 47.9 21.7Oklahoma 88.3 90.0 80.0 100.0 51.7 53.3 20.0Oregon 94.8 91.4 94.8 100.0 89.7 56.9 13.8Pennsylvania 74.0 70.5 56.6 100.0 33.2 30.6 9.7Puerto Rico 58.3 83.3 8.3 100.0 0.0 58.3 0.0Rhode Island 85.0 85.0 55.0 100.0 70.0 50.0 30.0South Carolina 82.5 93.7 77.8 100.0 50.8 54.0 25.4South Dakota 94.6 100.0 67.6 100.0 59.5 56.8 27.0Tennessee 78.6 89.3 75.7 100.0 52.9 54.3 10.7Texas 78.6 83.8 70.3 100.0 47.4 50.0 15.1Utah 74.2 82.3 72.6 100.0 53.2 46.8 14.5Vermont 94.7 94.7 84.2 100.0 78.9 52.6 31.6Virginia 78.1 82.8 68.8 100.0 55.5 46.9 20.3Washington 94.3 96.6 89.7 100.0 73.6 54.0 28.7West Virginia 78.2 79.3 48.3 98.9 14.9 47.1 9.2Wisconsin 85.3 92.2 79.8 100.0 69.8 56.6 22.5Wyoming 96.3 92.6 85.2 100.0 70.4 70.4 22.2

National total

Certificates IRAs sharesRegular

All othershares &

shares Borrowings

17.5%80.0% 81.4% 68.6%

accountsShare drafts

48.1%100.0% 51.7%


Money market


(100)S

ection 3 -O


By stateAlabama 13.6 15.7 9.1 47.9 16.2 1.4 3.6Alaska 20.8 19.5 5.4 23.5 28.3 2.0 1.0Arizona 13.9 10.5 5.5 30.2 38.3 0.8 3.3Arkansas 8.9 18.2 9.1 42.5 18.1 4.2 10.5California 12.5 16.6 5.1 36.3 26.8 2.5 8.3Colorado 15.9 18.0 4.5 30.3 26.3 2.3 5.5Connecticut 13.0 14.1 4.7 46.6 23.0 2.6 5.1Delaware 17.2 14.3 7.0 44.6 17.9 2.0 2.4District of Columbia 22.4 14.2 1.9 30.1 35.3 0.4 4.4Florida 15.8 15.0 6.7 38.5 18.8 2.1 6.4Georgia 20.8 13.2 6.5 37.3 23.9 1.3 4.1Hawaii 15.0 15.6 5.0 46.0 20.5 3.3 2.0Idaho 18.2 27.1 5.4 28.5 14.5 3.5 5.4Illinois 12.7 15.4 5.9 52.0 20.1 1.1 6.5Indiana 17.4 15.4 5.6 34.4 20.6 4.0 6.7Iowa 10.8 27.7 5.0 26.6 14.8 5.8 12.0Kansas 17.9 22.8 7.6 30.2 18.1 5.8 4.5Kentucky 13.6 25.7 7.6 38.2 14.6 1.3 3.8Louisiana 15.6 18.3 6.2 45.7 11.7 6.3 9.8Maine 16.5 18.1 8.8 36.2 14.6 3.1 9.2Maryland 16.4 19.7 6.4 38.1 15.1 3.2 4.5Massachusetts 13.8 17.3 5.7 34.5 17.6 3.3 10.3Michigan 15.2 15.3 5.1 28.9 31.3 1.9 6.4Minnesota 16.4 16.6 5.8 34.5 24.0 2.1 5.1Mississippi 13.2 25.3 7.9 39.2 15.4 2.5 7.1Missouri 19.8 14.1 6.9 34.1 23.7 1.3 5.0Montana 15.7 15.3 6.9 55.3 14.6 1.4 0.9Nebraska 17.5 18.7 6.1 41.0 15.8 5.1 7.5Nevada 22.5 6.1 5.0 44.9 27.4 0.6 0.0New Hampshire 15.5 25.0 5.5 31.2 16.7 0.5 7.1New Jersey 15.4 14.9 7.9 46.5 13.4 4.8 14.4New Mexico 19.4 18.5 6.0 38.2 17.4 1.6 1.8New York 12.3 20.3 5.7 37.1 20.1 2.3 8.5North Carolina 13.0 13.7 9.7 18.7 43.8 1.3 5.2North Dakota 24.5 21.5 4.4 29.8 19.3 3.8 4.5Ohio 16.2 19.9 7.1 32.9 19.3 4.9 4.4Oklahoma 14.5 21.1 6.6 31.3 23.8 1.3 10.2Oregon 17.2 9.6 5.2 36.3 29.6 1.4 4.3Pennsylvania 14.6 19.0 8.6 34.9 21.4 2.0 8.1Puerto Rico 4.8 20.5 9.2 69.9 0.0 3.7 0.0Rhode Island 10.1 33.4 6.8 26.2 13.5 1.9 10.0South Carolina 17.5 15.7 8.6 32.4 20.0 2.0 11.5South Dakota 20.5 19.9 6.5 27.5 25.0 3.0 4.7Tennessee 17.6 21.3 7.1 35.2 15.2 2.2 7.4Texas 17.5 20.3 5.8 35.9 17.2 3.8 6.8Utah 16.1 19.9 4.9 26.5 24.4 8.9 4.4Vermont 17.3 16.8 6.8 34.5 21.6 3.8 3.7Virginia 12.9 24.7 7.4 30.1 18.9 1.0 14.3Washington 16.1 12.2 4.4 45.0 20.8 0.8 3.4West Virginia 14.5 15.8 8.2 56.3 16.9 4.2 6.5Wisconsin 15.2 18.5 5.6 32.6 22.3 2.4 7.6Wyoming 22.2 20.3 4.8 31.4 15.7 3.3 6.4

National total 8.1%

Table 25

Funding sources(Items as a percent of total funding at using credit unions)

22.5% 2.4%

IRAs

Money marketRegularshares

All othershares &accounts Borrowings

6.2% 35.1%

Share drafts Certificates

15.0% 18.1%

shares


(101)S

ection 3 -O


By stateAlabama 50.3 0.0 16.3 16.8 15.4 1.2 4.5 80.9Alaska 59.9 0.0 5.1 12.0 23.2 -0.2 9.1 81.8Arizona 51.7 0.0 12.6 14.5 19.4 1.9 2.4 95.2Arkansas 62.6 0.0 8.3 15.4 12.5 1.2 1.8 89.3California 62.8 0.0 13.0 9.3 13.9 1.1 0.6 89.6Colorado 64.5 0.0 9.5 8.5 17.0 0.5 2.5 91.4Connecticut 61.9 0.0 14.0 12.8 10.9 0.4 2.1 74.7Delaware 58.0 0.0 13.3 14.6 13.9 0.2 0.0 94.1District of Columbia 62.7 0.0 20.5 6.7 10.1 0.0 0.0 75.7Florida 58.3 0.0 8.7 14.0 18.6 0.3 2.3 91.7Georgia 59.3 0.0 8.1 15.5 16.3 0.7 1.0 81.7Hawaii 57.4 0.0 20.1 9.5 12.3 0.8 3.6 96.4Idaho 64.2 0.0 2.5 15.2 18.1 0.0 0.0 91.2Illinois 62.9 0.0 12.9 10.9 12.5 0.8 2.7 73.0Indiana 61.1 0.1 7.9 13.7 17.2 0.3 3.2 89.6Iowa 69.5 0.0 5.4 11.7 13.1 0.3 0.0 84.1Kansas 63.9 0.1 7.0 14.5 14.5 0.3 5.0 82.5Kentucky 64.1 0.0 8.1 15.3 12.7 -0.2 3.2 92.1Louisiana 57.9 0.0 7.8 19.5 13.5 1.3 0.0 78.2Maine 67.2 0.0 6.6 11.8 14.3 0.1 0.0 98.2Maryland 64.5 0.1 10.0 12.0 13.0 0.5 2.4 85.7Massachusetts 71.4 0.2 8.5 9.6 10.3 0.3 2.4 81.1Michigan 60.0 0.5 9.9 13.1 16.7 0.7 4.9 93.3Minnesota 63.1 0.0 9.8 10.2 16.2 0.7 2.8 90.8Mississippi 55.2 0.0 9.1 21.3 11.9 2.5 2.7 74.7Missouri 54.6 0.0 8.1 16.2 20.2 1.0 3.6 82.9Montana 61.2 0.0 14.8 13.5 10.4 0.1 0.0 84.3Nebraska 59.5 0.0 8.7 17.7 13.7 0.4 5.0 86.7Nevada 50.3 1.0 12.0 20.2 18.1 0.4 6.7 100.0New Hampshire 62.5 0.0 4.6 15.2 17.4 0.3 13.3 100.0New Jersey 64.2 0.0 14.7 11.4 9.7 -0.1 0.6 66.9New Mexico 62.5 0.0 10.2 14.3 12.8 0.2 0.0 80.5New York 61.4 0.0 14.1 10.6 12.8 1.0 1.2 75.4North Carolina 65.8 0.0 11.6 8.0 13.7 0.9 2.8 93.1North Dakota 71.0 0.1 8.2 9.3 10.9 0.6 2.9 88.6Ohio 62.2 0.0 9.1 15.0 13.1 0.7 1.9 82.4Oklahoma 62.2 0.0 10.4 19.9 7.5 0.0 3.3 83.3Oregon 63.1 0.0 7.7 10.0 19.0 0.1 0.0 100.0Pennsylvania 62.6 0.0 11.3 11.5 14.4 0.1 1.6 86.3Puerto Rico 78.2 0.0 10.1 8.3 3.3 0.1 8.3 83.3Rhode Island 77.0 0.0 5.8 9.7 7.0 0.5 0.0 75.0South Carolina 57.3 0.0 5.2 19.5 17.7 0.3 3.2 93.7South Dakota 61.8 0.0 9.1 15.5 13.5 0.2 2.7 83.8Tennessee 63.0 0.0 6.1 15.8 14.8 0.4 0.7 86.4Texas 60.6 0.0 7.7 15.4 15.8 0.5 1.3 83.4Utah 61.1 0.0 4.5 14.6 19.4 0.4 3.2 85.5Vermont 65.1 0.0 6.6 11.0 16.8 0.4 0.0 89.5Virginia 71.0 0.0 6.9 8.1 14.0 0.0 0.8 83.6Washington 65.8 0.0 7.5 10.7 14.9 1.1 2.3 97.7West Virginia 61.5 0.0 13.7 12.7 11.5 0.6 0.0 78.2Wisconsin 68.0 0.1 4.8 10.2 16.6 0.4 3.9 96.9Wyoming 68.5 0.0 5.2 11.7 14.4 0.2 0.0 88.9

National total

operating incomegiving interest

11.9% 84.6%

positive other

63.3%

operating

0.6%

Fee

0.0%

refund

% of CUs with

14.8%9.5%


Other

income

2.0%

Operating income items

income income

Income items as a percent of total income

income

Table 26

Total loaninterest

Loan interestrefund

% of CUsNon-operatingInvestment


(102)S

ection 3 -O


By stateAlabama 63.0 7.2 12.3 0.3 17.3 82.7Alaska 70.4 9.7 7.8 0.5 11.6 90.9Arizona 67.3 6.5 6.6 1.5 18.1 90.5Arkansas 64.1 7.2 10.0 3.4 15.4 78.6California 60.3 5.9 10.5 2.2 21.1 88.3Colorado 62.0 7.1 9.6 3.2 18.1 90.1Connecticut 68.1 4.7 11.7 0.8 14.6 82.1Delaware 71.8 8.3 7.8 0.2 11.9 94.1District of Columbia 56.2 4.3 13.7 0.4 25.3 75.7Florida 63.2 8.4 8.0 1.5 18.9 91.0Georgia 65.4 7.2 8.4 0.3 18.6 91.3Hawaii 67.7 9.1 7.5 0.1 15.5 96.4Idaho 58.8 8.1 10.8 1.6 20.8 88.2Illinois 56.6 7.9 15.6 3.1 16.8 84.6Indiana 67.0 5.9 10.0 1.6 15.5 91.6Iowa 54.0 7.2 15.4 2.8 20.5 93.2Kansas 66.2 9.4 10.8 1.4 12.1 82.5Kentucky 61.0 9.7 11.2 0.4 17.7 96.8Louisiana 68.9 8.2 8.7 1.5 12.7 76.0Maine 70.0 4.4 9.4 1.2 15.0 98.2Maryland 63.2 9.8 9.8 2.0 15.1 86.9Massachusetts 63.6 6.0 11.8 3.2 15.4 88.4Michigan 64.1 6.4 8.1 1.1 20.3 95.1Minnesota 66.1 3.8 8.6 0.7 20.7 93.6Mississippi 63.7 11.4 9.2 0.3 15.4 82.7Missouri 69.8 8.0 8.7 1.2 12.3 86.5Montana 66.1 3.4 11.9 0.3 18.3 88.2Nebraska 70.7 5.9 8.4 1.7 13.3 88.3Nevada 67.8 4.5 3.8 0.2 23.7 93.3New Hampshire 64.4 5.1 11.6 2.2 16.6 100.0New Jersey 68.6 9.0 11.3 2.2 8.9 77.5New Mexico 61.3 7.4 9.0 1.5 20.8 95.1New York 60.7 9.7 12.5 1.8 15.3 85.4North Carolina 55.1 8.8 18.0 0.5 17.6 81.9North Dakota 69.4 4.7 8.3 0.3 17.2 97.1Ohio 64.6 6.7 11.6 0.9 16.2 86.9Oklahoma 60.7 9.3 11.5 1.7 16.8 91.7Oregon 65.4 5.5 4.9 0.8 23.4 98.3Pennsylvania 62.4 6.4 11.3 0.9 19.0 86.1Puerto Rico 60.5 10.6 11.7 0.0 17.2 58.3Rhode Island 57.4 2.7 15.9 3.5 20.5 85.0South Carolina 66.7 6.9 6.5 1.9 17.9 93.7South Dakota 74.0 2.8 9.4 0.4 13.4 94.6Tennessee 61.3 6.6 9.4 1.0 21.8 90.7Texas 63.2 8.1 10.7 1.6 16.4 86.7Utah 59.1 9.5 9.3 0.4 21.7 91.9Vermont 68.3 5.5 10.4 0.7 15.1 100.0Virginia 45.7 18.6 10.9 4.7 20.1 86.7Washington 63.0 7.1 6.8 0.8 22.3 93.1West Virginia 68.9 4.6 9.3 0.4 16.7 94.3Wisconsin 60.6 4.8 10.7 1.5 22.4 98.4Wyoming 63.7 6.9 10.9 0.7 17.8 88.9

National total

Table 27Use of total income

Percent of total incomeDividends,

on savings

Provisionsfor

loan loss

88.0%

Net income

% of CUs withpositive

net income

60.3% 1.9% 18.6%

Interest onborrowings

8.7% 10.5%

Operatingexpenses

interest


(103)S

ection 3 -O


By stateAlabama 50.0 1.0 5.9 21.1 3.2Alaska 59.1 0.4 9.2 19.6 1.8Arizona 53.4 0.9 7.0 23.2 4.2Arkansas 46.6 1.1 6.0 16.7 3.8California 52.5 1.1 6.9 19.0 3.7Colorado 49.5 1.1 6.4 16.5 7.1Connecticut 53.2 0.9 7.4 19.5 2.7Delaware 44.5 0.9 6.3 23.9 3.2District of Columbia 48.2 1.1 6.5 22.3 1.6Florida 49.9 1.0 7.3 18.8 4.6Georgia 49.4 0.9 6.2 18.5 3.6Hawaii 49.5 1.1 8.6 17.6 3.6Idaho 56.1 2.0 5.3 18.3 5.8Illinois 49.5 1.1 6.0 18.0 2.9Indiana 51.0 1.1 6.5 18.1 3.5Iowa 51.2 1.0 7.0 14.3 6.8Kansas 50.6 1.1 6.2 18.4 3.7Kentucky 49.4 1.1 6.8 18.7 4.9Louisiana 49.7 1.3 6.4 22.8 3.0Maine 49.0 1.3 7.3 17.8 3.6Maryland 49.9 0.8 6.4 17.3 3.3Massachusetts 50.3 0.9 7.5 16.5 4.0Michigan 51.7 1.2 6.9 20.6 4.2Minnesota 51.6 1.3 6.8 17.6 4.1Mississippi 46.0 1.5 5.5 23.7 3.4Missouri 50.1 0.9 6.8 19.5 3.6Montana 53.7 1.3 7.0 13.8 4.0Nebraska 54.3 1.0 6.1 15.3 4.1Nevada 49.3 1.0 6.2 20.7 4.9New Hampshire 51.4 0.7 6.6 20.5 3.2New Jersey 47.7 0.9 6.6 16.4 3.2New Mexico 53.8 1.1 5.2 18.5 3.8New York 50.0 0.9 6.9 17.7 3.5North Carolina 55.3 0.8 7.5 20.9 1.6North Dakota 56.9 1.3 6.9 16.1 4.2Ohio 50.2 0.9 6.2 18.1 3.5Oklahoma 52.0 1.1 6.2 19.7 3.9Oregon 53.1 0.9 6.2 15.8 3.8Pennsylvania 50.3 0.8 6.3 18.6 3.7Puerto Rico 41.6 1.0 9.6 23.8 3.2Rhode Island 53.9 1.1 8.9 12.8 4.7South Carolina 50.8 1.2 7.3 18.2 3.6South Dakota 57.5 0.9 6.7 15.2 3.4Tennessee 51.2 1.0 6.4 20.4 3.6Texas 50.1 0.9 7.0 19.8 3.7Utah 52.0 1.0 6.2 17.6 4.3Vermont 52.3 1.2 6.2 21.4 4.8Virginia 51.0 0.6 4.9 16.1 5.2Washington 51.1 1.1 6.1 18.1 3.9West Virginia 50.3 1.2 6.7 24.4 2.3Wisconsin 51.8 1.1 6.3 17.1 4.3Wyoming 50.3 1.2 5.6 16.9 4.7


Travel,conference

1.0%

fringesCompensation,



Educational,Office Office

3.9%

occupancy operations promotional

6.5% 18.5%


(104)S

ection 3 -O


By stateAlabama 8.0 7.7 0.1 0.5 2.6Alaska 3.9 3.8 0.0 0.3 1.9Arizona 5.2 4.2 0.0 0.4 1.6Arkansas 7.3 15.8 0.1 0.9 1.9California 6.5 7.2 0.0 0.5 2.8Colorado 6.8 11.0 -0.6 0.3 1.9Connecticut 6.6 8.0 0.0 0.4 1.4Delaware 6.1 12.3 0.0 0.7 2.1District of Columbia 10.3 6.8 0.1 0.9 2.2Florida 6.6 9.0 0.0 0.5 2.2Georgia 8.6 6.6 0.1 0.3 5.7Hawaii 5.6 9.8 0.0 0.9 3.3Idaho 5.9 5.1 0.0 0.6 1.0Illinois 10.3 7.2 0.0 0.5 4.4Indiana 7.5 9.4 0.0 0.5 2.5Iowa 8.3 9.1 0.0 0.4 1.8Kansas 7.7 8.3 0.0 0.5 3.5Kentucky 7.9 8.4 0.0 0.5 2.1Louisiana 5.7 8.6 0.0 0.6 1.9Maine 7.2 11.3 0.1 0.6 1.7Maryland 6.6 12.1 0.4 0.6 2.6Massachusetts 4.8 10.1 0.2 0.5 5.0Michigan 8.0 5.1 0.0 0.5 1.7Minnesota 8.1 8.4 0.0 0.4 1.6Mississippi 6.0 9.8 0.0 0.5 3.7Missouri 7.0 7.5 0.0 0.3 4.3Montana 4.5 11.8 0.0 0.6 3.3Nebraska 5.8 10.2 0.1 0.6 2.7Nevada 6.2 9.1 0.4 0.3 1.8New Hampshire 4.1 10.7 0.0 0.2 2.6New Jersey 6.1 15.1 0.1 0.7 3.1New Mexico 5.1 9.2 -0.2 0.7 2.8New York 8.7 8.1 -0.1 0.6 3.6North Carolina 2.8 7.7 0.0 0.3 3.1North Dakota 4.0 6.7 0.0 0.7 3.2Ohio 8.0 9.6 0.1 0.6 2.8Oklahoma 7.5 7.0 0.0 0.7 1.8Oregon 6.8 10.3 0.0 0.4 2.6Pennsylvania 8.8 8.9 0.1 0.6 2.0Puerto Rico 5.5 9.7 1.7 1.0 2.8Rhode Island 3.4 10.0 0.0 0.4 4.9South Carolina 6.2 10.1 0.0 0.6 2.1South Dakota 6.8 7.9 0.0 0.7 1.1Tennessee 5.7 9.1 0.0 0.7 1.9Texas 5.6 9.4 0.0 0.4 3.1Utah 10.9 3.9 0.0 0.4 3.7Vermont 7.5 5.0 0.0 0.6 1.1Virginia 7.4 6.7 0.0 0.2 7.9Washington 6.9 9.5 0.0 0.3 2.9West Virginia 4.9 6.9 0.1 0.9 2.3Wisconsin 10.0 6.7 0.0 0.4 2.4Wyoming 8.9 9.7 -0.2 0.8 2.1

National total

expenses

7.0% 8.1% 0.0% 0.5% 3.3%

insurance feesservicing outside services



OtherMember OperatingLoan Professional &


(105)S

ection 3 -O


FirstBy state New Used Leases mortgageAlabama 10.1 11.2 3.8 4.5 7.1 4.3Alaska 10.7 13.5 4.1 4.2 0.0 4.5Arizona 9.4 12.5 4.3 4.8 0.0 4.7Arkansas 9.2 10.6 4.4 4.4 0.0 4.7California 10.9 10.8 3.2 3.5 2.5 4.3Colorado 11.9 12.0 4.5 4.9 4.6 4.6Connecticut 11.4 10.2 3.0 3.6 0.0 4.2Delaware 11.4 12.2 3.8 4.5 0.0 4.3District of Columbia 13.0 7.9 3.0 3.2 5.0 3.5Florida 11.2 11.7 3.5 4.0 5.8 4.5Georgia 11.6 10.6 3.8 4.3 0.0 4.6Hawaii 11.0 7.2 4.0 7.0 0.0 4.2Idaho 10.1 11.7 4.3 5.0 0.0 4.3Illinois 9.8 10.9 3.3 3.7 3.8 4.5Indiana 10.7 10.8 3.9 4.9 4.3 4.4Iowa 9.9 13.0 4.3 5.3 0.0 4.3Kansas 10.4 12.1 4.4 4.8 0.0 4.6Kentucky 9.0 10.6 3.8 4.9 3.2 4.6Louisiana 9.4 10.9 4.0 4.7 3.5 4.8Maine 9.9 10.7 3.9 4.7 0.0 4.8Maryland 10.7 11.9 3.4 3.8 0.0 4.5Massachusetts 11.1 10.5 3.4 3.9 5.3 4.4Michigan 10.4 10.8 3.7 4.1 3.6 4.8Minnesota 10.4 11.5 3.3 4.1 4.5 4.4Mississippi 10.2 10.8 3.3 5.1 0.0 5.0Missouri 10.3 10.9 3.9 4.7 0.0 4.5Montana 10.2 9.8 3.9 4.8 0.0 4.3Nebraska 10.6 10.7 4.1 5.4 0.0 4.4Nevada 12.0 11.2 4.5 5.0 0.0 5.1New Hampshire 10.8 9.3 3.4 3.9 0.0 4.6New Jersey 10.2 10.9 3.3 4.4 3.6 4.3New Mexico 10.8 10.8 3.6 4.2 0.0 4.5New York 10.8 10.6 3.2 3.9 3.0 4.3North Carolina 10.5 11.1 4.0 5.2 2.6 4.8North Dakota 9.9 9.3 3.7 4.7 0.0 5.2Ohio 10.4 10.5 4.0 4.9 4.3 4.6Oklahoma 10.8 11.0 4.2 5.0 0.0 4.6Oregon 9.3 11.5 4.0 4.3 0.0 4.8Pennsylvania 11.0 10.4 3.5 4.3 3.6 4.1Puerto Rico 10.1 8.6 3.6 4.8 0.0 4.5Rhode Island 12.3 12.9 3.6 5.2 0.0 4.3South Carolina 10.7 12.7 3.8 5.1 0.0 4.4South Dakota 10.9 11.0 3.8 4.4 0.0 4.8Tennessee 10.0 10.1 4.0 4.8 0.0 4.4Texas 10.3 11.4 3.6 3.9 4.4 4.9Utah 11.0 12.4 4.3 4.4 0.0 4.6Vermont 8.9 10.9 3.6 3.5 4.5 4.6Virginia 15.3 14.7 3.1 4.1 3.0 3.9Washington 10.4 10.1 3.8 4.4 0.0 4.4West Virginia 11.6 11.0 3.7 4.4 4.3 4.4Wisconsin 10.2 11.2 3.9 4.5 4.0 4.7Wyoming 9.0 11.6 3.7 4.4 5.0 4.4

National total 3.6% 4.2% 3.7% 4.4%11.1% 11.4%

Table 29Average rates charged on loans

(During the last week of September 2018)

AutoOtherunsecured

Creditcards


(106)S

ection 3 -O


Money market CertificatesBy state Regular shares Share drafts IRAs shares 1 yr maturityAlabama 0.6 0.2 1.0 0.7 1.8Alaska 0.2 0.0 0.4 0.3 1.6Arizona 0.1 0.1 0.8 0.4 1.2Arkansas 0.1 0.2 1.5 1.0 1.7California 0.2 0.3 1.0 0.5 1.4Colorado 0.1 0.3 1.7 0.7 1.6Connecticut 0.3 0.3 1.1 0.4 1.3Delaware 0.3 0.1 0.8 0.5 1.5District of Columbia 0.3 0.2 0.8 0.6 0.9Florida 0.2 0.1 1.0 0.5 1.6Georgia 0.3 0.1 1.0 0.5 1.1Hawaii 0.2 0.1 0.7 0.4 1.0Idaho 0.1 0.1 1.6 0.4 2.0Illinois 0.7 0.6 1.5 0.7 1.7Indiana 0.2 0.6 1.1 0.5 1.6Iowa 0.2 0.5 1.8 0.7 2.0Kansas 0.2 0.4 1.5 0.6 1.3Kentucky 0.2 0.2 1.5 0.8 1.9Louisiana 0.2 0.2 0.9 0.4 1.4Maine 0.1 0.6 1.2 0.5 1.6Maryland 0.2 0.1 1.1 0.5 1.8Massachusetts 0.2 0.1 1.5 0.6 1.5Michigan 0.1 0.7 1.2 0.4 1.5Minnesota 0.2 0.1 1.3 0.6 1.6Mississippi 0.3 0.3 0.8 0.5 1.1Missouri 0.2 0.5 1.4 0.5 1.5Montana 0.4 0.1 0.9 0.3 0.8Nebraska 0.2 0.2 1.5 0.6 1.6Nevada 0.1 0.1 0.6 0.2 0.6New Hampshire 0.2 0.1 1.3 0.9 2.0New Jersey 0.4 0.1 1.3 0.4 1.1New Mexico 0.3 0.3 0.9 0.4 1.3New York 0.2 0.2 1.0 0.7 1.4North Carolina 0.6 0.3 2.0 1.3 2.2North Dakota 0.2 0.2 1.1 0.3 1.3Ohio 0.1 0.3 1.5 0.6 1.6Oklahoma 0.3 0.4 1.1 0.7 1.6Oregon 0.1 0.3 0.7 0.3 1.0Pennsylvania 0.2 0.3 1.3 0.6 1.7Puerto Rico 0.5 0.3 1.2 0.0 1.4Rhode Island 0.2 0.1 2.0 0.3 1.9South Carolina 0.1 0.1 1.2 0.6 1.5South Dakota 0.2 0.1 1.5 0.5 1.6Tennessee 0.2 0.1 1.2 0.5 1.7Texas 0.3 0.2 1.1 0.5 1.8Utah 0.1 0.1 2.5 0.4 2.8Vermont 0.4 0.5 1.2 0.7 1.4Virginia 0.4 0.3 0.8 0.6 2.2Washington 0.1 0.3 0.6 0.4 1.2West Virginia 0.2 0.1 1.1 0.4 1.2Wisconsin 0.2 0.3 1.2 0.7 1.5Wyoming 0.2 1.0 1.1 0.5 1.4

National total 0.3% 0.3% 1.2% 0.6% 1.6%



(107)S

ection 3 -O


By stateAlabama 62.6 46.0 10,871 46.34 0.23 404 3.79 0.02 4,936Alaska 91.0 14.3 11,234 263.64 0.28 319 4.00 0.00 21,052Arizona 77.6 32.5 11,325 104.12 0.25 356 7.02 0.02 5,279Arkansas 84.8 29.7 8,796 13.36 0.26 444 1.13 0.02 5,271California 81.9 31.2 16,453 93.13 0.15 418 6.80 0.01 5,724Colorado 89.9 23.0 13,156 57.00 0.18 423 3.56 0.01 6,782Connecticut 72.7 37.2 11,940 20.14 0.18 467 2.72 0.02 3,465Delaware 64.7 41.5 9,168 32.29 0.24 448 3.82 0.03 3,785District of Columbia 66.8 45.2 28,292 21.97 0.10 342 0.84 0.00 8,979Florida 82.7 28.9 11,407 111.24 0.22 391 6.73 0.01 6,465Georgia 83.5 27.6 11,084 48.94 0.21 424 2.74 0.01 7,572Hawaii 58.5 51.0 12,984 42.13 0.20 387 1.91 0.01 8,531Idaho 98.8 10.1 10,873 76.62 0.27 339 5.47 0.02 4,747Illinois 82.1 30.3 14,090 29.50 0.17 430 2.78 0.02 4,563Indiana 89.4 24.0 10,831 44.12 0.25 377 4.45 0.02 3,730Iowa 105.5 13.9 15,278 43.80 0.20 335 3.76 0.02 3,904Kansas 91.4 20.5 9,428 23.78 0.28 378 3.40 0.04 2,646Kentucky 82.9 28.6 10,440 33.16 0.22 427 3.83 0.03 3,703Louisiana 83.0 26.8 9,390 20.79 0.32 334 1.46 0.02 4,758Maine 88.7 21.9 11,280 38.64 0.27 329 2.67 0.02 4,762Maryland 84.1 27.1 12,860 54.12 0.18 427 4.58 0.02 5,037Massachusetts 97.1 21.3 12,926 39.22 0.16 473 5.35 0.02 3,471Michigan 82.6 29.9 11,697 65.88 0.24 363 8.86 0.03 2,701Minnesota 84.4 25.7 13,241 43.62 0.20 377 4.10 0.02 4,014Mississippi 78.0 35.2 8,626 23.76 0.31 370 1.84 0.02 4,775Missouri 81.4 28.7 9,249 37.59 0.28 385 3.23 0.02 4,489Montana 71.4 37.6 13,002 24.41 0.24 318 1.53 0.02 5,078Nebraska 82.8 29.0 8,864 18.53 0.30 374 2.32 0.04 2,993Nevada 70.0 39.3 14,225 77.00 0.23 306 2.67 0.01 8,836New Hampshire 99.3 13.3 11,990 112.13 0.20 413 16.13 0.03 2,873New Jersey 71.3 40.0 13,293 13.99 0.16 463 2.75 0.03 2,353New Mexico 80.0 29.4 12,424 61.41 0.23 357 4.76 0.02 4,610New York 77.2 34.7 14,149 38.81 0.16 442 4.66 0.02 3,686North Carolina 71.7 35.7 13,055 149.47 0.19 399 4.13 0.01 14,459North Dakota 85.5 25.8 17,652 26.20 0.25 231 3.03 0.03 1,995Ohio 82.4 28.4 10,277 26.72 0.23 421 3.40 0.03 3,303Oklahoma 84.3 28.8 11,267 53.40 0.22 401 5.15 0.02 4,163Oregon 85.1 25.5 12,437 83.53 0.21 386 4.93 0.01 6,531Pennsylvania 78.7 33.4 11,532 25.53 0.20 439 3.80 0.03 2,943Puerto Rico 74.8 36.4 8,789 19.42 0.25 447 0.92 0.01 9,461Rhode Island 102.7 15.0 15,900 50.45 0.15 412 3.85 0.01 5,398South Carolina 90.5 23.7 9,354 69.16 0.30 360 4.05 0.02 6,158South Dakota 79.6 27.0 12,017 28.73 0.32 264 1.84 0.02 4,126Tennessee 91.1 22.4 11,231 41.82 0.24 379 2.94 0.02 5,380Texas 87.3 24.2 11,546 51.09 0.23 385 4.24 0.02 4,635Utah 92.8 16.7 10,352 115.95 0.25 379 20.15 0.04 2,181Vermont 89.6 20.0 11,552 57.58 0.25 347 3.47 0.02 5,753Virginia 100.8 21.0 12,147 200.80 0.17 494 12.29 0.01 8,065Washington 87.2 23.3 13,856 114.03 0.18 394 7.11 0.01 6,315West Virginia 69.8 40.9 9,738 10.74 0.25 407 1.97 0.05 2,223Wisconsin 98.1 15.7 11,974 64.27 0.22 388 10.43 0.03 2,388Wyoming 91.7 17.8 11,761 29.33 0.24 349 2.81 0.02 3,639

National total $12,479 0.20 405 4.65 0.02 4,52685.2% 27.5%

Loans/savings

52.03

borrowingsAssets permember


Per $1 mil.Per PerPer $1 mil. Members/Part-time employeesSurplus funds/

savings andof assets

Members/PTE

Full-time employees

credit union credit unionof assets FTE


(108)

By stateAlabama 4.2 28.2 67.3 1.8 15.5 10.0 2.7 0.0 61.8 49.1 74.5 14.5 21.8 3.6Alaska 12.6 72.7 #### 0.0 54.5 54.5 54.5 0.0 90.9 72.7 100.0 36.4 36.4 18.2Arizona 6.1 47.6 85.7 0.0 33.3 28.6 38.1 0.0 78.6 88.1 90.5 14.3 57.1 7.1Arkansas 1.8 16.1 83.9 1.8 14.3 10.7 5.4 0.0 33.9 5.4 71.4 3.6 23.2 7.1California 5.2 25.2 82.5 0.6 35.0 31.7 17.2 1.6 64.1 66.0 86.7 18.4 48.2 6.8Colorado 3.6 46.9 85.2 6.2 33.3 25.9 14.8 1.2 66.7 80.2 84.0 24.7 37.0 8.6Connecticut 2.8 16.8 63.2 0.0 21.1 17.9 1.1 1.1 37.9 44.2 76.8 4.2 35.8 3.2Delaware 3.9 35.3 70.6 0.0 5.9 11.8 0.0 0.0 64.7 52.9 94.1 5.9 29.4 0.0District of Columbia 1.9 21.6 62.2 2.7 10.8 8.1 5.4 0.0 37.8 64.9 64.9 13.5 37.8 2.7Florida 7.3 33.8 86.5 3.0 43.6 38.3 4.5 0.8 80.5 55.6 92.5 24.1 51.9 6.8Georgia 3.9 24.0 73.1 0.0 23.1 17.3 6.7 1.9 54.8 32.7 68.3 14.4 32.7 4.8Hawaii 3.1 29.1 63.6 0.0 29.1 18.2 9.1 0.0 41.8 76.4 85.5 14.5 34.5 10.9Idaho 5.5 47.1 91.2 0.0 41.2 29.4 5.9 0.0 55.9 94.1 94.1 8.8 50.0 23.5Illinois 2.6 14.7 57.9 0.8 17.8 16.2 4.6 0.4 37.5 25.1 63.7 6.9 23.2 6.2Indiana 3.8 29.9 77.3 3.2 23.4 21.4 8.4 1.3 59.1 40.9 83.1 13.6 35.1 13.6Iowa 3.5 19.3 63.6 0.0 28.4 25.0 29.5 0.0 44.3 34.1 73.9 36.4 26.1 10.2Kansas 2.5 13.8 56.3 0.0 27.5 21.3 0.0 0.0 30.0 32.5 71.3 2.5 18.8 10.0Kentucky 3.0 9.5 82.5 1.6 22.2 15.9 4.8 0.0 60.3 34.9 85.7 11.1 38.1 6.3Louisiana 2.4 22.9 70.4 0.0 13.4 10.6 6.1 0.0 40.2 29.1 59.8 8.4 17.9 9.5Maine 3.4 54.5 83.6 0.0 38.2 14.5 3.6 1.8 85.5 78.2 100.0 23.6 50.9 12.7Maryland 3.7 20.2 76.2 0.0 29.8 27.4 8.3 3.6 51.2 54.8 75.0 11.9 41.7 6.0Massachusetts 3.0 23.8 56.7 0.6 37.2 37.8 4.9 0.6 40.2 48.8 74.4 12.8 28.7 15.2Michigan 4.9 25.0 83.9 2.2 42.9 33.5 7.1 0.4 78.1 75.0 93.3 20.5 50.0 10.7Minnesota 3.6 15.6 81.7 0.9 33.9 26.6 8.3 2.8 56.0 77.1 88.1 19.3 45.9 13.8Mississippi 2.6 24.0 76.0 0.0 12.0 6.7 4.0 0.0 41.3 18.7 58.7 5.3 21.3 9.3Missouri 3.2 31.5 73.0 0.0 22.5 19.8 4.5 0.9 50.5 55.0 77.5 9.9 35.1 4.5Montana 2.4 23.5 72.5 0.0 33.3 29.4 5.9 0.0 60.8 54.9 86.3 17.6 23.5 0.0Nebraska 1.9 25.0 83.3 0.0 25.0 21.7 11.7 0.0 46.7 65.0 86.7 8.3 15.0 11.7Nevada 4.7 26.7 80.0 0.0 40.0 33.3 26.7 0.0 60.0 66.7 86.7 13.3 73.3 0.0New Hampshire 7.9 40.0 73.3 0.0 60.0 66.7 0.0 0.0 66.7 46.7 86.7 26.7 53.3 6.7New Jersey 1.9 11.9 60.6 2.5 18.1 16.3 8.1 1.3 26.3 30.0 58.8 3.1 18.8 6.9New Mexico 3.5 29.3 80.5 0.0 34.1 22.0 12.2 0.0 65.9 56.1 85.4 7.3 39.0 2.4New York 3.1 13.7 64.6 2.3 21.1 16.7 1.2 0.6 44.7 52.9 73.7 8.5 21.9 7.0North Carolina 8.6 27.8 69.4 1.4 23.6 22.2 6.9 0.0 48.6 73.6 88.9 8.3 52.8 8.3North Dakota 3.5 11.4 62.9 0.0 22.9 17.1 5.7 0.0 28.6 57.1 82.9 20.0 11.4 8.6Ohio 2.8 27.0 78.7 2.2 28.5 24.0 7.5 0.0 59.9 42.7 78.7 12.4 31.1 9.0Oklahoma 4.0 21.7 81.7 0.0 30.0 23.3 6.7 1.7 68.3 63.3 90.0 11.7 41.7 5.0Oregon 5.1 25.9 82.8 0.0 39.7 34.5 25.9 0.0 62.1 63.8 93.1 36.2 55.2 6.9Pennsylvania 2.6 14.7 57.1 0.8 14.5 13.1 4.0 0.3 40.2 18.8 71.8 5.4 18.0 6.4Puerto Rico 1.8 16.7 33.3 0.0 16.7 0.0 0.0 0.0 8.3 25.0 50.0 8.3 33.3 0.0Rhode Island 3.6 20.0 80.0 0.0 40.0 40.0 10.0 0.0 55.0 50.0 75.0 20.0 15.0 0.0South Carolina 5.3 17.5 93.7 0.0 28.6 23.8 6.3 0.0 61.9 77.8 82.5 9.5 38.1 9.5South Dakota 2.7 16.2 86.5 0.0 32.4 32.4 0.0 0.0 40.5 64.9 89.2 18.9 37.8 21.6Tennessee 3.8 24.3 78.6 0.0 21.4 15.7 4.3 0.0 60.0 48.6 77.1 10.0 37.1 5.0Texas 3.6 17.5 85.2 2.6 17.2 12.0 11.6 0.2 61.1 38.0 77.9 7.9 33.6 7.4Utah 7.5 22.6 72.6 1.6 35.5 27.4 6.5 1.6 53.2 66.1 74.2 14.5 33.9 16.1Vermont 4.4 21.1 63.2 5.3 36.8 36.8 15.8 0.0 57.9 78.9 94.7 21.1 36.8 5.3Virginia 7.0 20.3 80.5 0.8 29.7 25.8 11.7 0.8 53.9 52.3 78.1 16.4 41.4 7.8Washington 6.2 40.2 88.5 0.0 37.9 33.3 43.7 2.3 77.0 65.5 92.0 24.1 47.1 5.7West Virginia 1.8 13.8 64.4 0.0 17.2 11.5 2.3 0.0 37.9 16.1 72.4 0.0 16.1 3.4Wisconsin 5.1 15.5 72.1 1.6 45.7 48.8 22.5 0.0 51.2 58.9 83.7 27.9 40.3 16.3Wyoming 2.4 25.9 85.2 3.7 22.2 29.6 14.8 0.0 59.3 81.5 88.9 22.2 25.9 14.8

National total1 Average number o f branches per c redit unio n exc ludes main o ffice .

Risk Direct

32.9% 8.2%0.6% 53.1% 48.1% 78.2% 12.8%

RepurchaseApproved Debt Borrowing

Table 32Branch information and service offerings

% of Credit Unions offering% of CUsAver. # of providing Overdraft ATM/Debt Interest Insurance/

Investmentbranches shared based Financing Mortgage

1.3%

loans Leases ProcessingOverdraft Lines ofCancellation/

CreditAgreementsMortgage

ProtectionBrokeredcard only first

program mortgages sales Depositsper CU1

branches

26.1% 21.9% 8.8%

Seller Suspension

3.8 22.3% 73.6%

Section 3 -

Operating ratios by state


(109)

By stateAlabama 110 2.0 203.4 18,713 7.4Alaska 11 0.2 946.0 84,210 5.7Arizona 42 0.8 419.9 37,076 2.0Arkansas 56 1.0 52.2 5,930 9.4California 309 5.6 640.3 38,918 3.6Colorado 81 1.5 317.2 24,113 5.0Connecticut 95 1.7 112.3 9,409 3.5Delaware 17 0.3 132.7 14,473 6.7District of Columbia 37 0.7 212.8 7,523 15.2Florida 133 2.4 496.3 43,506 2.6Georgia 104 1.9 230.0 20,751 7.0Hawaii 55 1.0 211.5 16,286 9.6Idaho 34 0.6 282.4 25,969 8.7Illinois 259 4.7 178.7 12,685 3.4Indiana 154 2.8 180.0 16,616 7.2Iowa 88 1.6 224.3 14,684 3.6Kansas 80 1.4 84.8 8,995 4.9Kentucky 63 1.1 147.9 14,165 3.8Louisiana 179 3.2 65.1 6,937 8.5Maine 55 1.0 143.6 12,729 6.1Maryland 84 1.5 296.9 23,088 10.2Massachusetts 164 3.0 239.9 18,559 3.9Michigan 224 4.0 279.9 23,928 1.5Minnesota 109 2.0 218.0 16,462 3.5Mississippi 75 1.4 75.8 8,786 13.9Missouri 111 2.0 133.9 14,478 4.2Montana 51 0.9 101.0 7,766 12.2Nebraska 60 1.1 61.5 6,933 4.0Nevada 15 0.3 335.2 23,563 5.5New Hampshire 15 0.3 555.6 46,343 2.7New Jersey 160 2.9 86.0 6,470 5.0New Mexico 41 0.7 272.4 21,926 17.6New York 342 6.2 242.9 17,169 1.5North Carolina 72 1.3 778.6 59,643 14.2North Dakota 35 0.6 106.7 6,042 11.4Ohio 267 4.8 115.6 11,244 3.5Oklahoma 60 1.1 241.5 21,439 13.8Oregon 58 1.0 400.5 32,205 2.6Pennsylvania 373 6.7 129.1 11,197 5.6Puerto Rico 12 0.2 76.2 8,673 29.3Rhode Island 20 0.4 330.5 20,784 9.9South Carolina 63 1.1 233.2 24,926 8.7South Dakota 37 0.7 91.1 7,583 10.0Tennessee 140 2.5 177.8 15,832 8.3Texas 458 8.3 227.0 19,663 5.2Utah 62 1.1 454.8 43,934 5.7Vermont 19 0.3 230.9 19,986 5.2Virginia 128 2.3 1,203.9 99,110 6.4Washington 87 1.6 622.5 44,930 2.5West Virginia 87 1.6 42.6 4,370 8.7Wisconsin 129 2.3 298.4 24,921 4.7Wyoming 27 0.5 120.5 10,242 17.1

National total 5,547 21,048100.0%

Members/potential members

Members percredit union

3.8%

($ in millions)

$262.7

in sample

Assets percredit union


Number ofcredit unions Percent of

credit unions

Section 3 -



(110)

By stateAlabama 110 22.38 1.5 2.06 1.7Alaska 11 10.41 0.7 0.93 0.8Arizona 42 17.64 1.2 1.56 1.3Arkansas 56 2.92 0.2 0.33 0.3California 309 197.86 13.5 12.03 10.2Colorado 81 25.70 1.8 1.95 1.7Connecticut 95 10.67 0.7 0.89 0.8Delaware 17 2.26 0.2 0.25 0.2District of Columbia 37 7.88 0.5 0.28 0.2Florida 133 66.01 4.5 5.79 4.9Georgia 104 23.92 1.6 2.16 1.8Hawaii 55 11.63 0.8 0.90 0.8Idaho 34 9.60 0.7 0.88 0.7Illinois 259 46.29 3.2 3.29 2.8Indiana 154 27.72 1.9 2.56 2.2Iowa 88 19.74 1.3 1.29 1.1Kansas 80 6.78 0.5 0.72 0.6Kentucky 63 9.32 0.6 0.89 0.8Louisiana 179 11.66 0.8 1.24 1.1Maine 55 7.90 0.5 0.70 0.6Maryland 84 24.94 1.7 1.94 1.6Massachusetts 164 39.34 2.7 3.04 2.6Michigan 224 62.69 4.3 5.36 4.6Minnesota 109 23.76 1.6 1.79 1.5Mississippi 75 5.68 0.4 0.66 0.6Missouri 111 14.86 1.0 1.61 1.4Montana 51 5.15 0.4 0.40 0.3Nebraska 60 3.69 0.3 0.42 0.4Nevada 15 5.03 0.3 0.35 0.3New Hampshire 15 8.33 0.6 0.70 0.6New Jersey 160 13.76 0.9 1.04 0.9New Mexico 41 11.17 0.8 0.90 0.8New York 342 83.08 5.7 5.87 5.0North Carolina 72 56.06 3.8 4.29 3.6North Dakota 35 3.73 0.3 0.21 0.2Ohio 267 30.85 2.1 3.00 2.5Oklahoma 60 14.49 1.0 1.29 1.1Oregon 58 23.23 1.6 1.87 1.6Pennsylvania 373 48.17 3.3 4.18 3.5Puerto Rico 126 9.67 0.7 1.10 0.9Rhode Island 20 6.61 0.5 0.42 0.4South Carolina 63 14.69 1.0 1.57 1.3South Dakota 37 3.37 0.2 0.28 0.2Tennessee 140 24.89 1.7 2.22 1.9Texas 458 103.98 7.1 9.01 7.6Utah 62 28.20 1.9 2.72 2.3Vermont 19 4.39 0.3 0.38 0.3Virginia 128 154.10 10.5 12.69 10.8Washington 87 54.16 3.7 3.91 3.3West Virginia 87 3.70 0.3 0.38 0.3Wisconsin 129 38.49 2.6 3.21 2.7Wyoming 27 3.25 0.2 0.28 0.2

National total 5,662 $1,465.84 117.75

($ in billions)


Projected numberof credit unions

Assets

100.0%100.0%

Percent ofassets

Members(millions)

Percent ofmembers

Section 3 -


Spreads, Camel Ratios and Growth

By Asset Size

First nine months 2018, camel ratios and growth by asset size

(113)S

ection 4 –S

preads by asset size

Interest InterestBy asset size yield on Total income/($ in millions) total assets average assets

0.0 - 0.5 8.70 0.00 8.70 0.72 3.50 3.50 4.890.5 - 1.0 7.23 0.00 7.23 0.92 3.89 3.87 4.531.0 - 2.0 7.34 0.00 7.34 1.12 3.99 3.96 4.932.0 - 5.0 6.62 0.00 6.61 1.33 4.05 4.02 4.715.0 - 10.0 6.23 0.00 6.23 1.51 3.86 3.80 4.6310.0 - 20.0 5.76 0.01 5.75 1.59 3.67 3.57 4.5220.0 - 50.0 5.39 0.00 5.39 1.63 3.66 3.53 4.6950.0 -100.0 5.13 0.00 5.13 1.69 3.73 3.56 4.90100.0 - 200.0 4.98 0.00 4.98 1.72 3.89 3.70 5.19200.0 - 500.0 4.75 0.00 4.75 1.80 3.89 3.69 5.25500.0 - 1000.0 4.59 0.00 4.59 1.84 3.88 3.68 5.241000.0 and over 4.58 0.00 4.57 1.97 3.93 3.79 5.15



Table 1Rates of return

(all in %)

4.66%

Gross yieldon loans

3.90%

Yield onsurplusfunds

Interest/refundloans outstanding

0.00% 1.88%4.66%

earning assetsyield onNet yield

on loans


0.0 - 0.5 0.30 0.97 0.30 0.230.5 - 1.0 0.37 2.74 0.38 0.301.0 - 2.0 0.40 2.16 0.40 0.332.0 - 5.0 0.40 2.06 0.40 0.335.0 - 10.0 0.43 2.16 0.43 0.3610.0 - 20.0 0.37 2.88 0.37 0.3220.0 - 50.0 0.37 2.24 0.37 0.3250.0 -100.0 0.39 2.35 0.40 0.35100.0 - 200.0 0.43 2.15 0.45 0.40200.0 - 500.0 0.48 2.28 0.52 0.46500.0 - 1000.0 0.52 2.44 0.59 0.521000.0 and over 0.74 2.61 0.84 0.75

National total

Low income 0.57 2.31 0.63 0.56Federally chartered 0.66 2.50 0.77 0.68State chartered 0.61 2.70 0.68 0.60

savingsCost of

0.64%0.73%0.64% 2.57%

Table 2Cost of funds

(all in %)

and borrowings

Div & intcost of

total assetsCost of

borrowingsCost of savings


(114)S

ection 4 –S


By asset size($ in millions) (-) (=) (+) (+) (-)

0.0 - 0.5 3.50 0.23 327 39 99 4770.5 - 1.0 3.87 0.30 357 33 33 4271.0 - 2.0 3.96 0.33 363 50 47 4042.0 - 5.0 4.02 0.33 368 43 26 3795.0 - 10.0 3.80 0.36 343 56 27 35910.0 - 20.0 3.57 0.32 325 60 34 34820.0 - 50.0 3.53 0.32 321 72 44 35350.0 -100.0 3.56 0.35 321 78 56 363100.0 - 200.0 3.70 0.40 330 84 65 375200.0 - 500.0 3.69 0.46 323 81 75 366500.0 - 1000.0 3.68 0.52 316 79 77 3501000.0 and over 3.79 0.75 304 51 85 283

National total

Low income 3.79 0.56 323 80 87 352Federally chartered 3.88 0.68 320 61 80 311State chartered 3.60 0.60 300 61 78 310

Table 3Credit union spreads

(All items divided by average assets)Div & int Operating

3.74% 3100.64%

Other incomeInterestyield onassets

cost ofassets (%) (basis points)

expenses(basis points)

310

Gross spread(basis points)

7961

Fee income(basis points)

By asset size($ in millions) (-) (=) (=) (+)

0.0 - 0.5 -12 47 -58 -58 0 -590.5 - 1.0 -4 38 -42 -42 0 -421.0 - 2.0 56 31 25 25 2 222.0 - 5.0 58 39 19 19 2 175.0 - 10.0 68 34 34 34 2 3210.0 - 20.0 72 29 43 43 1 4120.0 - 50.0 84 28 56 56 2 5350.0 -100.0 92 30 62 62 1 61100.0 - 200.0 104 35 69 69 1 68200.0 - 500.0 113 40 73 73 3 70500.0 - 1000.0 122 39 83 83 1 811000.0 and over 158 49 108 108 4 104

National total 140 45 96 96 3 92

Low income 138 43 95 95 6 89Federally chartered 150 54 96 96 0 96State chartered 130 35 95 95 6 88

(1) Corporate Stabilization Expense is an extraordinary item resulting from OTTI changes at corporate credit unions

Table 4Distribution of net spread

(All items divided by average assets; All items in basis points)

StabilizationGross required to capital

Net spreadProvision for

Other transfersNet income before

loan loss reserve transfer w/o StabilizationNet income after

Stabilization

First nine months 2018 spreads, camel ratios and growth by asset size

Section 4 –

Spreads by asset size

(115)


0.0 - 0.5 268,384 20.96 5.88 0.92 -0.580.5 - 1.0 771,390 19.99 2.29 0.51 -0.421.0 - 2.0 1,473,266 17.44 2.81 0.56 0.252.0 - 5.0 3,491,422 16.79 1.97 0.47 0.195.0 - 10.0 7,362,666 15.12 1.58 0.49 0.3410.0 - 20.0 14,380,373 13.66 1.23 0.38 0.4320.0 - 50.0 32,184,932 12.52 1.00 0.36 0.5650.0 -100.0 71,109,665 11.85 0.87 0.38 0.62100.0 - 200.0 139,399,055 11.40 0.79 0.38 0.69200.0 - 500.0 313,352,875 11.19 0.80 0.43 0.73500.0 - 1000.0 692,550,045 11.22 0.66 0.38 0.831000.0 and over 3,002,706,680 11.07 0.62 0.44 1.08

National total $256,883,823

Low income 199,301,633 11.11 0.68 0.40 0.95Federally charte 214,603,926 11.30 0.73 0.51 0.96State chartered 324,702,447 11.13 0.61 0.33 0.95

(1) The net chargeoffs-to-average loan ratio and the net income ratios are annualized.

Table 5Camel key ratios from NCUA letter 00-CU-08

0.67%

average loans(1)

chargeoffs/Net

0.96%

before transferaverage assetsNet income/

0.42%11.22%

Delinquentloans/loans

Asset Quality Earnings

Average assetsNet worth/total assets


(116)S

ection 4 –S



0.0 - 0.5 -2.2 0.6 -0.7 -0.2 -0.2 -2.50.5 - 1.0 -2.4 -2.2 -0.4 -3.8 -2.1 -1.51.0 - 2.0 -1.3 -0.8 -0.9 -0.5 -0.6 0.92.0 - 5.0 -1.4 -0.7 2.1 -3.1 -0.4 0.85.0 - 10.0 -1.3 -0.1 3.0 -2.6 0.2 1.810.0 - 20.0 -0.5 0.8 4.5 -2.3 1.1 2.420.0 - 50.0 0.0 1.3 4.1 -1.5 1.6 3.150.0 -100.0 0.6 1.9 5.0 -1.9 2.3 3.4100.0 - 200.0 1.5 2.6 6.3 -4.1 2.9 3.8200.0 - 500.0 2.6 3.0 6.7 -4.6 3.4 3.6500.0 - 1000.0 3.2 3.6 7.3 -4.7 4.3 4.91000.0 and over 5.4 5.5 7.9 -2.9 5.5 6.0

National total

Low income 3.5 4.6 7.9 -3.5 5.2 5.8Federally chartered 3.9 4.8 7.3 -3.9 4.5 5.0State chartered 4.0 4.3 7.5 -2.5 4.9 5.5

* Growth rates are based on CUs reporting for December 2017 and September 2018.

Surplus

Table 6Credit union growth

Nine months ending September 2018

-3.3% 4.7% 5.3%

funds Assets CapitalMembers

4.0% 4.5% 7.4%

Savings Loans


0.0 - 0.5 144 268,074 270,041 21.05 21.53 -0.490.5 - 1.0 123 763,116 778,489 20.01 19.89 0.121.0 - 2.0 187 1,468,780 1,483,655 17.34 17.08 0.252.0 - 5.0 455 3,484,389 3,525,296 16.72 16.51 0.215.0 - 10.0 559 7,371,139 7,441,910 15.06 14.83 0.2310.0 - 20.0 704 14,460,297 14,546,120 13.59 13.42 0.1720.0 - 50.0 1,053 32,442,038 32,577,907 12.33 12.15 0.1850.0 -100.0 707 71,908,865 71,949,107 11.54 11.41 0.13100.0 - 200.0 561 141,395,108 140,983,497 10.98 10.89 0.09200.0 - 500.0 499 318,635,744 316,116,595 10.71 10.69 0.01500.0 - 1000.0 246 707,055,828 698,181,818 10.78 10.71 0.061000.0 and over 306 3,083,247,183 3,015,531,846 10.58 10.53 0.05

National total 5,544 $262,811,208 $258,464,744

Low income 2,571 204,335,646 201,033,457 10.68 10.62 0.06Federally chartered 3,415 219,338,169 215,529,410 10.80 10.74 0.05State chartered 2,129 332,543,677 327,334,712 10.72 10.66 0.06

Table 7Sample information

10.70% 0.05%

in sample per credit union per credit union December 2017September 2018

Net capital-to-asset ratios

Change

10.76%

Number ofcredit unions Third-quarter assets Average assets

Spreads, Camel

Ratios and Growth By Field of Membership

(119)

First nine months 2018 spreads, camel ratios and growth by type of membership

Section 5 -

Spreads by type of m

embership

Interest/refundBy type of membership loans outstandingCommunity urban/rural 4.42 0.00 4.42 1.87 3.77 3.60 5.06Associational 4.72 0.02 4.69 1.89 3.88 3.72 5.03











Yield on Interestyield onsurplus

fundsNet yield

on loans on loans average assets

5.15%3.74%1.88%4.66% 4.66%


(all in %)

Total income/earning assets

3.90%

Interestyield onGross yield

total assets

(120)


Section 5 -


embership

By type of membershipCommunity urban/rural 0.57 2.56 0.64 0.56Associational 0.77 3.44 0.86 0.75

Religious 0.63 1.71 0.64 0.56Fraternal 0.75 9.03 0.84 0.73Other assoc.,incl low income 0.81 3.29 0.91 0.80

Single group occupational 0.79 2.77 0.93 0.81Educational 0.60 2.65 0.66 0.57Military 0.91 2.70 1.19 1.03Fed/local government 0.60 5.18 0.66 0.58Manufacturing 0.76 2.74 0.78 0.67

Chemicals 0.82 4.09 0.82 0.71Petroleum refining 0.29 3.88 0.30 0.26Primary/fabricated metals 0.55 1.80 0.55 0.47Machinery 0.83 3.07 0.92 0.82Transportation equipment 0.75 0.00 0.75 0.62Other manufacturing 0.74 2.19 0.75 0.65

Services 0.86 1.90 0.87 0.76Fin/ins/real estate/trade 0.93 1.85 0.94 0.82Health care 0.28 1.93 0.29 0.25Transportation 1.01 1.78 1.01 0.88Communication & utilities 0.72 1.93 0.75 0.64

Other single groups 0.89 2.56 0.89 0.78Multiple group occup, primarily 0.67 2.41 0.75 0.66

Educational 0.49 2.53 0.56 0.49Military 0.85 2.81 0.97 0.86Fed/state/local government 0.74 2.40 0.77 0.69Manufacturing 0.65 2.22 0.79 0.69

Chemical 0.64 2.12 0.89 0.76Petroleum refining 0.83 2.53 0.88 0.78Primary/fabricated metals 0.53 1.60 0.54 0.48Machinery 0.56 4.02 0.68 0.59Transportation equipment 0.67 2.46 0.79 0.70Other manufacturing 0.60 2.08 0.76 0.67

Services 0.63 2.11 0.69 0.61Fin/ins/real estate/trade 0.62 2.16 0.66 0.57Health care 0.39 1.90 0.40 0.35Transportation 0.83 2.28 0.88 0.77Communications/utilities 0.65 2.09 0.72 0.64

Faith-based 0.58 2.36 0.61 0.56Other multiple groups 0.60 2.17 0.64 0.57



(all in %)

and borrowings

Div & intcost of

total assetsCost of


2.57%

savingsCost of

0.64%

(121)


Section 5 -


embership

By type of membership (-) (=) (+) (+) (-)Community urban/rural 3.60 0.56 304 67 79 321Associational 3.72 0.75 297 60 71 299

Religious 3.62 0.56 305 68 54 347Fraternal 3.58 0.73 284 34 50 293Other assoc.,incl low income 3.76 0.80 296 61 78 288

Single group occupational 4.41 0.81 360 49 81 284Educational 3.36 0.57 278 29 62 247Military 5.75 1.03 471 57 106 310Fed/local government 3.76 0.58 318 61 72 323Manufacturing 3.30 0.67 262 43 57 240

Chemicals 3.36 0.71 264 30 55 213Petroleum refining 3.44 0.26 318 30 31 285Primary/fabricated metals 3.60 0.47 313 74 33 287Machinery 3.47 0.82 266 72 131 338Transportation equipment 3.49 0.62 288 54 47 283Other manufacturing 3.13 0.65 248 44 46 231

Services 3.21 0.76 245 35 53 230Fin/ins/real estate/trade 3.03 0.82 221 16 47 167Health care 3.48 0.25 323 103 53 390Transportation 3.35 0.88 246 38 65 243Communication & utilities 3.10 0.64 246 25 41 232

Other single groups 3.35 0.78 257 33 74 254Multiple group occup, primarily 3.64 0.66 298 59 80 308

Educational 3.48 0.49 298 60 91 319Military 3.68 0.86 282 61 90 292Fed/state/local government 3.57 0.69 289 47 68 284Manufacturing 3.71 0.69 302 50 71 298

Chemical 3.81 0.76 304 60 51 275Petroleum refining 3.48 0.78 270 39 80 264Primary/fabricated metals 3.65 0.48 317 66 92 364Machinery 3.51 0.59 293 39 89 306Transportation equipment 3.81 0.70 311 60 71 317Other manufacturing 3.71 0.67 303 43 74 296

Services 3.68 0.61 307 69 70 331Fin/ins/real estate/trade 3.91 0.57 334 75 72 379Health care 3.50 0.35 314 91 65 362Transportation 3.84 0.77 307 91 77 381Communications/utilities 3.65 0.64 301 61 69 309

Faith-based 3.73 0.56 317 59 71 353Other multiple groups 3.80 0.57 323 76 97 350

National total 310 61 79 3103.74% 0.64%

(basis points)

Operatingexpenses

(basis points)Gross spread Fee income

(basis points)Other income(basis points)


(All items divided by average assets)Div & intInterest

yield onassets

cost ofassets (%)

(122)


Section 5 -


embership

By type of membership (-) (=) (=) (+)Community urban/rural 128 34 95 95 5 90Associational 129 33 95 95 10 85

Religious 80 23 57 57 4 53Fraternal 75 24 52 52 0 52Other assoc.,incl low income 148 37 111 111 13 97

Single group occupational 205 85 120 120 2 119Educational 123 27 95 95 1 95Military 324 160 164 164 0 164Fed/local government 128 43 85 85 1 84Manufacturing 123 26 96 96 14 83

Chemicals 137 15 122 122 31 90Petroleum refining 94 41 53 53 0 53Primary/fabricated metals 133 44 89 89 1 88Machinery 130 50 80 80 0 80Transportation equipment 106 14 93 93 0 93Other manufacturing 108 29 79 79 3 76

Services 104 22 82 82 1 81Fin/ins/real estate/trade 116 15 101 101 0 101Health care 89 31 58 58 1 57Transportation 107 29 78 78 0 78Communication & utilities 80 13 67 67 3 63

Other single groups 109 19 90 90 4 86Multiple group occup, primarily 129 43 86 86 1 85

Educational 130 33 96 96 2 94Military 142 58 84 84 0 83Fed/state/local government 119 38 81 81 2 80Manufacturing 126 32 93 93 1 92

Chemical 140 29 110 110 0 110Petroleum refining 125 27 98 98 0 98Primary/fabricated metals 111 25 86 86 1 85Machinery 114 22 92 92 0 92Transportation equipment 125 42 83 83 3 80Other manufacturing 123 30 94 94 0 93

Services 115 51 64 64 1 63Fin/ins/real estate/trade 103 33 70 70 0 70Health care 109 27 82 82 0 81Transportation 95 157 -62 -62 0 -63Communications/utilit ies 121 43 78 78 1 77Faith-based 93 36 57 57 4 52

Other multiple groups 146 51 96 96 2 94

National total 140 45 96 96 3 92(1) Corporate Stabilization Expense is an extraordinary item resulting from OTTI changes at corporate credit unions

Net income afterStabilizationNet spread

Provision forloan loss


(All items divided by average assets; All items in basis points)

StabilizationNet income before Gross required

reserve transferto capital

w/o Stabilization

Other transfers

(123)


Section 5 -


embership

By type of membershipCommunity urban/rural 347,872,541 11.15 0.56 0.32 0.95Associational 53,917,685 11.60 0.76 0.32 0.95

Religious 18,945,478 11.85 1.06 0.33 0.57Fraternal 38,565,064 12.41 0.71 0.43 0.52Other assoc.,incl low income 108,977,809 11.43 0.69 0.31 1.11

Single group occupational 154,653,888 12.21 0.81 0.82 1.20Educational 98,093,653 11.78 0.59 0.32 0.95Military 5,501,660,225 12.26 1.02 1.31 1.64Fed/local government 86,500,445 11.83 0.74 0.47 0.85Manufacturing 66,862,294 12.88 0.48 0.31 0.96

Chemicals 201,801,464 12.42 0.18 0.13 1.22Petroleum refining 29,365,196 13.51 0.81 0.54 0.53Primary/fabricated metals 30,428,382 15.36 0.70 0.43 0.89Machinery 77,203,842 9.99 0.54 0.41 0.80Transportation equipment 40,389,541 17.80 0.56 0.32 0.93Other manufacturing 46,346,886 13.44 0.83 0.50 0.79

Services 101,458,237 12.44 0.57 0.28 0.82Fin/ins/real estate/trade 239,750,004 12.40 0.61 0.22 1.01Health care 34,949,680 11.94 0.71 0.36 0.58Transportation 176,404,053 11.60 0.45 0.33 0.78Communication & utilities 49,977,666 14.87 0.71 0.20 0.67

Other single groups 236,378,514 11.94 0.25 0.15 0.90Multiple group occup, primarily 281,957,895 10.86 0.76 0.40 0.86

Educational 253,637,437 10.81 0.50 0.32 0.96Military 1,762,153,667 10.81 0.67 0.50 0.84Fed/state/local government 308,904,127 10.41 1.07 0.38 0.81Manufacturing 258,991,799 11.35 0.55 0.30 0.93

Chemical 261,574,927 13.77 0.68 0.31 1.10Petroleum refining 227,922,652 10.73 0.62 0.24 0.98Primary/fabricated metals 90,814,880 12.21 0.63 0.36 0.86Machinery 154,197,017 12.52 0.68 0.24 0.92Transportation equipment 612,347,351 11.11 0.47 0.33 0.83Other manufacturing 234,506,434 10.53 0.54 0.29 0.94

Services 129,185,126 11.16 1.04 0.48 0.64Fin/ins/real estate/trade 123,082,071 12.55 0.73 0.37 0.70Health care 55,023,601 11.94 0.79 0.31 0.82Transportation 61,547,316 11.83 3.65 1.39 -0.62Communications/utilit ies 232,259,090 10.67 0.77 0.40 0.78

Faith-based 59,300,826 9.20 1.28 0.33 0.57Other multiple groups 312,324,490 11.02 0.76 0.45 0.96

National total $256,883,823(1) The net chargeoffs-to-average loan ratio is annualized.

Average assetsNet worth/total assets loans

11.22% 0.67% 0.96%0.42%

before transfer

Netchargeoffs/

average loans(1)


Asset Quality

loans/Delinquent

EarningsNet income/

average assets

(124)


Section 5 -


embership

By type of membershipCommunity urban/rural 3.7 4.6 7.8 -2.3 5.2 5.5Associational 3.8 4.4 7.1 -3.3 4.3 5.8

Religious 0.3 -0.2 2.7 -7.1 0.0 3.4Fraternal 2.8 2.7 6.0 -1.6 3.3 2.4Other assoc.,incl low income 5.3 5.8 8.3 -2.7 5.5 7.0

Single group occupational 5.6 5.7 7.6 -6.4 4.2 5.4Educational 3.6 4.0 11.0 -2.1 4.4 5.8Military 7.6 10.2 8.2 -15.6 5.2 6.6Fed/local government 6.0 2.7 6.1 -2.2 3.3 4.4Manufacturing 2.7 2.5 7.4 -4.1 3.2 4.9

Chemicals 6.3 5.6 9.5 -5.1 5.7 7.1Petroleum refining -0.7 -3.7 2.2 -14.7 -2.9 3.1Primary/fabricated metals 1.0 2.1 8.1 -6.7 3.1 4.0Machinery 2.8 -2.9 6.7 -19.6 2.0 6.0Transportation equipment -0.2 2.5 3.8 -0.6 1.5 -3.4Other manufacturing 0.8 1.2 5.2 -1.9 1.5 3.5

Services 2.0 2.9 5.7 -1.1 3.0 3.7Fin/ins/real estate/trade 1.8 2.9 5.7 -0.4 3.1 4.9Health care 1.4 2.4 6.8 -3.9 2.8 4.0Transportation 3.3 3.9 5.8 0.6 4.2 4.4Communication & utilities 0.1 0.4 4.4 -3.9 0.3 0.2

Other single groups 2.1 4.4 7.0 -4.8 4.3 4.1Multiple group occup, primarily 3.7 4.0 6.9 -2.8 4.3 4.9

Educational 3.5 4.1 7.7 -4.0 4.2 5.5Military 4.0 3.5 5.0 -1.1 4.1 5.2Fed/state/local government 3.3 3.8 6.2 -0.1 4.0 4.7Manufacturing 3.5 3.2 7.0 -4.5 4.1 4.6

Chemical 2.5 3.8 5.2 -6.7 0.8 2.5Petroleum refining 1.8 2.5 5.7 -3.2 3.8 6.5Primary/fabricated metals 1.6 4.6 8.2 -1.9 5.1 5.5Machinery 1.8 2.3 5.8 -10.7 2.6 5.7Transportation equipment 4.4 2.8 9.6 -10.9 6.0 4.8Other manufacturing 4.1 3.5 5.9 -0.3 4.4 4.8

Services 3.0 2.9 7.2 -4.9 3.6 2.9Fin/ins/real estate/trade 0.5 2.4 3.8 3.9 3.7 3.2Health care 1.2 2.0 4.8 -1.9 2.4 4.8Transportation 1.3 2.4 5.4 -4.3 2.0 -6.8Communications/utilities 4.2 3.3 8.4 -7.5 4.1 4.2

Faith-based 3.2 3.8 4.4 0.2 3.2 3.6Other multiple groups 4.6 6.3 10.0 -5.3 5.8 5.9

National total

* Growth rates are based on CUs reporting for both December 2017 and September 2018.

4.7% 5.3%4.0% 4.5% 7.4% -3.3%

Savings Loans



funds Assets CapitalMembersSurplus

(125)


Section 5 -


embership

By type of membershipCommunity urban/rural 1,952 356,767,825 350,526,502 10.72 10.70 0.02Associational 385 55,049,491 54,081,354 11.27 11.11 0.16

Religious 194 18,944,109 19,071,318 11.74 11.35 0.39Fraternal 53 39,187,145 38,806,191 12.18 12.28 -0.10Other assoc.,incl low income 138 111,898,392 109,164,909 11.03 10.88 0.15

Single group occupational 1,413 157,814,436 154,505,242 11.63 11.50 0.14Educational 238 100,207,037 99,418,779 11.58 11.44 0.15Military 17 5,641,099,877 5,417,778,010 11.45 11.29 0.16Fed/local government 469 87,896,252 87,263,336 11.17 11.05 0.12Manufacturing 294 67,913,622 67,627,776 12.61 12.41 0.20

Chemicals 39 207,351,457 204,540,693 12.20 12.04 0.16Petroleum refining 13 28,936,214 29,342,847 12.92 12.18 0.74Primary/fabricated metals 34 30,894,771 30,722,327 14.78 14.65 0.13Machinery 26 77,972,214 77,299,257 10.19 9.80 0.38Transportation equipment 12 40,698,010 40,954,881 16.00 16.82 -0.82Other manufacturing 170 46,692,066 46,930,728 13.13 12.87 0.26

Services 385 102,961,288 102,250,541 12.10 12.01 0.09Fin/ins/real estate/trade 57 243,412,914 241,081,870 12.13 11.92 0.21Health care 116 35,424,123 35,338,221 11.54 11.41 0.13Transportation 85 180,008,555 177,907,808 11.46 11.43 0.03Communication & utilities 127 50,044,365 50,420,429 13.95 13.96 -0.01

Other single groups 10 241,378,309 237,648,288 11.60 11.62 -0.02Multiple group occup, primarily 1,794 287,864,376 284,037,669 10.41 10.35 0.06

Educational 333 258,903,968 256,135,593 10.40 10.28 0.12Military 51 1,797,364,353 1,768,995,038 10.39 10.28 0.11Fed/state/local government 387 315,003,252 311,019,491 9.96 9.89 0.07Manufacturing 337 264,229,273 260,766,441 11.03 10.97 0.05

Chemical 52 262,561,208 260,920,707 13.34 13.11 0.23Petroleum refining 41 232,165,455 231,736,275 10.50 10.23 0.27Primary/fabricated metals 37 93,054,903 91,817,233 11.45 11.40 0.04Machinery 24 156,175,390 156,263,853 12.44 12.08 0.36Transportation equipment 38 630,043,838 614,204,217 10.73 10.84 -0.12Other manufacturing 145 239,588,910 236,702,733 10.27 10.23 0.04

Services 409 131,464,393 130,602,959 10.74 10.82 -0.07Fin/ins/real estate/trade 47 125,291,221 124,366,874 12.23 12.29 -0.06Health care 128 55,674,074 55,699,412 11.68 11.41 0.27Transportation 84 62,142,460 62,221,497 11.20 12.26 -1.06Communications/utilities 150 236,893,342 234,768,244 10.24 10.23 0.01

Faith-based 58 60,230,324 59,562,879 8.25 8.21 0.03Other multiple groups 219 321,161,045 314,783,504 10.31 10.31 0.00

National total 5,544 $262,811,208 $258,464,744 10.70% 0.05%

credit unions Third-quarter assets Average assets

10.76%


Changein sample per credit union per credit union December 2017September 2018Net Capital-to-asset ratios

Number of

Spreads, Camel Ratios and Growth

By State

First nine months 2018 spreads, camel ratios and growth by state

(127)S

ection 6 -S

preads by state

Yield on Interest InterestInterest/refund surplus yield on yield on Total income/

By state loans outstanding funds earning assets total assets average assetsAlabama 4.84 0.00 4.84 1.94 3.54 3.38 5.07Alaska 4.23 0.00 4.23 2.16 3.93 3.72 5.72Arizona 4.65 0.00 4.65 2.33 3.89 3.70 5.76Arkansas 4.58 0.00 4.58 1.50 3.69 3.49 4.92California 4.16 0.00 4.16 1.96 3.49 3.37 4.44Colorado 4.37 0.00 4.37 2.23 3.89 3.73 5.03Connecticut 4.31 0.00 4.31 1.69 3.35 3.23 4.27Delaware 5.32 0.00 5.32 1.73 3.84 3.64 5.11District of Columbia 3.96 0.00 3.96 1.82 3.07 3.01 3.61Florida 4.46 0.00 4.46 1.68 3.67 3.49 5.21Georgia 4.35 0.00 4.35 1.61 3.61 3.45 5.11Hawaii 4.91 0.00 4.91 1.84 3.43 3.29 4.25Idaho 4.33 0.00 4.33 1.56 4.05 3.81 5.71Illinois 4.42 0.00 4.42 2.11 3.72 3.59 4.74Indiana 4.31 0.01 4.31 1.78 3.70 3.54 5.14Iowa 4.50 0.00 4.50 1.99 4.12 3.96 5.28Kansas 4.76 0.01 4.75 1.86 4.13 3.94 5.56Kentucky 4.92 0.00 4.92 1.64 4.02 3.82 5.30Louisiana 5.09 0.00 5.09 1.81 4.18 3.96 6.03Maine 5.02 0.00 5.02 1.73 4.29 4.06 5.50Maryland 4.58 0.00 4.58 1.98 3.89 3.74 5.02Massachusetts 4.11 0.01 4.10 1.77 3.59 3.49 4.37Michigan 4.79 0.04 4.76 1.83 3.87 3.70 5.32Minnesota 4.32 0.00 4.32 1.96 3.72 3.54 4.85Mississippi 5.46 0.00 5.46 1.65 4.11 3.94 6.13Missouri 4.74 0.00 4.73 1.72 3.86 3.65 5.82Montana 4.65 0.00 4.65 1.96 3.67 3.49 4.60Nebraska 5.00 0.00 5.00 1.78 4.06 3.88 5.69Nevada 4.89 0.10 4.80 1.83 3.64 3.49 5.68New Hampshire 3.88 0.00 3.88 1.65 3.55 3.38 5.04New Jersey 4.75 0.00 4.75 1.70 3.56 3.43 4.35New Mexico 4.38 0.00 4.38 1.84 3.66 3.50 4.82New York 4.45 0.00 4.45 2.05 3.65 3.53 4.67North Carolina 4.94 0.00 4.94 1.65 3.80 3.66 4.73North Dakota 4.95 0.01 4.94 1.65 4.09 3.89 4.92Ohio 4.55 0.00 4.55 1.74 3.77 3.60 5.06Oklahoma 4.56 0.00 4.56 1.92 3.81 3.66 5.04Oregon 4.32 0.00 4.32 1.66 3.68 3.54 4.99Pennsylvania 4.63 0.00 4.63 1.74 3.69 3.55 4.80Puerto Rico 5.33 0.00 5.33 1.33 3.97 3.80 4.31Rhode Island 3.97 0.00 3.97 1.69 3.63 3.51 4.24South Carolina 5.03 0.00 5.03 1.42 4.16 3.91 6.26South Dakota 4.66 0.00 4.66 1.82 3.88 3.62 5.11Tennessee 4.45 0.00 4.45 1.49 3.79 3.62 5.23Texas 4.54 0.00 4.54 1.87 3.91 3.73 5.47Utah 4.71 0.00 4.71 1.62 4.16 3.97 6.05Vermont 4.58 0.00 4.58 1.89 4.05 3.87 5.39Virginia 6.02 0.00 6.02 2.23 5.23 5.03 6.46Washington 4.53 0.00 4.53 1.76 3.90 3.72 5.07West Virginia 4.79 0.00 4.79 1.66 3.56 3.41 4.53Wisconsin 4.38 0.01 4.37 1.67 3.95 3.78 5.20Wyoming 4.78 0.00 4.78 1.59 4.19 3.93 5.33

National total 0.00% 1.88% 3.90% 3.74% 5.15%4.66% 4.66%


(all in %)

Gross yieldon loans

Net yieldon loans


(128)S

ection 6 -S

preads by state

By stateAlabama 0.71 2.12 0.72 0.64Alaska 0.50 7.17 0.52 0.47Arizona 0.44 4.72 0.53 0.47Arkansas 0.61 3.33 0.77 0.66California 0.55 2.43 0.64 0.56Colorado 0.58 4.64 0.74 0.65Connecticut 0.57 2.19 0.60 0.54Delaware 0.45 1.45 0.46 0.41District of Columbia 0.57 1.78 0.58 0.51Florida 0.49 2.39 0.56 0.49Georgia 0.50 1.96 0.51 0.45Hawaii 0.37 2.21 0.37 0.32Idaho 0.72 2.43 0.79 0.70Illinois 0.85 8.34 1.01 0.89Indiana 0.61 1.99 0.68 0.60Iowa 1.00 2.16 1.09 0.97Kansas 0.71 3.04 0.78 0.68Kentucky 0.69 2.05 0.71 0.61Louisiana 0.61 2.82 0.70 0.61Maine 0.60 2.11 0.66 0.58Maryland 0.57 4.97 0.67 0.60Massachusetts 0.63 1.87 0.74 0.65Michigan 0.51 2.01 0.56 0.49Minnesota 0.48 2.43 0.51 0.45Mississippi 0.66 2.21 0.68 0.58Missouri 0.59 2.48 0.65 0.57Montana 0.63 3.23 0.64 0.56Nebraska 0.56 4.12 0.66 0.57Nevada 0.25 3.74 0.26 0.23New Hampshire 0.70 2.09 0.79 0.70New Jersey 0.57 2.16 0.65 0.59New Mexico 0.49 9.81 0.57 0.51New York 0.68 2.12 0.75 0.67North Carolina 0.95 2.35 0.97 0.87North Dakota 0.48 1.60 0.49 0.43Ohio 0.68 2.34 0.72 0.63Oklahoma 0.69 2.29 0.76 0.66Oregon 0.28 2.46 0.33 0.29Pennsylvania 0.63 1.96 0.67 0.59Puerto Rico 0.58 0.00 0.58 0.50Rhode Island 0.83 1.89 0.92 0.82South Carolina 0.50 2.22 0.61 0.53South Dakota 0.55 2.33 0.57 0.50Tennessee 0.58 1.99 0.63 0.54Texas 0.68 2.84 0.76 0.67Utah 0.65 1.51 0.66 0.59Vermont 0.64 1.96 0.67 0.60Virginia 0.92 2.69 1.15 1.01Washington 0.40 2.13 0.44 0.39West Virginia 0.49 1.84 0.51 0.44Wisconsin 0.66 2.34 0.72 0.63Wyoming 0.67 1.72 0.70 0.62


savingsCost of


(all in %)

and borrowings

Div & intcost of

total assets

0.64% 2.57%


0.73%

Cost of


(129)S

ection 6 -S

preads by state

By state (-) (=) (+) (+) (-)Alabama 3.38 0.64 274 85 84 319Alaska 3.72 0.47 325 68 132 403Arizona 3.70 0.47 324 83 122 388Arkansas 3.49 0.66 283 76 67 315California 3.37 0.56 280 41 66 268Colorado 3.73 0.65 308 43 87 312Connecticut 3.23 0.54 270 55 48 291Delaware 3.64 0.41 323 75 72 367District of Columbia 3.01 0.51 250 24 37 203Florida 3.49 0.49 300 73 99 329Georgia 3.45 0.45 300 79 87 334Hawaii 3.29 0.32 297 41 56 288Idaho 3.81 0.70 310 87 103 336Illinois 3.59 0.89 271 52 63 268Indiana 3.54 0.60 294 71 90 345Iowa 3.96 0.97 299 62 71 285Kansas 3.94 0.68 325 81 82 368Kentucky 3.82 0.61 321 81 66 323Louisiana 3.96 0.61 334 118 89 415Maine 4.06 0.58 348 65 79 385Maryland 3.74 0.60 314 60 68 317Massachusetts 3.49 0.65 283 42 47 278Michigan 3.70 0.49 321 70 93 341Minnesota 3.54 0.45 308 49 82 321Mississippi 3.94 0.58 336 131 88 390Missouri 3.65 0.57 308 94 123 407Montana 3.49 0.56 293 62 48 304Nebraska 3.88 0.57 331 101 81 402Nevada 3.49 0.23 326 115 105 385New Hampshire 3.38 0.70 268 76 89 325New Jersey 3.43 0.59 285 50 42 298New Mexico 3.50 0.51 300 69 63 295New York 3.53 0.67 286 50 65 283North Carolina 3.66 0.87 279 38 69 261North Dakota 3.89 0.43 347 46 57 342Ohio 3.60 0.63 297 76 70 327Oklahoma 3.66 0.66 299 101 38 306Oregon 3.54 0.29 325 50 96 326Pennsylvania 3.55 0.59 296 55 70 299Puerto Rico 3.80 0.50 330 36 15 261Rhode Island 3.51 0.82 269 41 32 244South Carolina 3.91 0.53 338 122 113 417South Dakota 3.62 0.50 312 79 70 378Tennessee 3.62 0.54 307 83 79 320Texas 3.73 0.67 306 84 90 346Utah 3.97 0.59 338 88 120 357Vermont 3.87 0.60 327 59 93 368Virginia 5.03 1.01 402 52 91 295Washington 3.72 0.39 333 54 81 319West Virginia 3.41 0.44 296 57 55 312Wisconsin 3.78 0.63 315 53 89 315Wyoming 3.93 0.62 331 62 78 340

National total 310 61 79 310

(basis points)Gross spread Fee income expenses


(All items divided by average assets)Div & int OperatingInterest

3.74% 0.64%

(basis points)Other income(basis points)(basis points)

yield onassets

cost ofassets (%)


(130)S

ection 6 -S

preads by state

By state (-) (=) (=) (+)Alabama 124 37 88 88 7 80Alaska 122 56 67 67 0 67Arizona 142 37 104 104 0 104Arkansas 111 35 76 76 0 76California 120 26 94 94 1 93Colorado 126 36 91 91 33 58Connecticut 82 20 62 62 0 62Delaware 103 42 61 61 0 61District of Columbia 107 16 92 92 1 91Florida 142 44 98 98 0 98Georgia 132 37 95 95 0 95Hawaii 105 39 66 66 5 61Idaho 164 46 119 119 14 105Illinois 117 37 80 80 7 72Indiana 110 30 80 80 22 57Iowa 146 38 108 108 31 77Kansas 120 53 67 67 0 67Kentucky 145 51 94 94 0 94Louisiana 126 50 76 76 3 73Maine 107 24 83 83 2 81Maryland 125 49 76 76 3 73Massachusetts 94 26 68 68 0 67Michigan 142 34 108 108 0 108Minnesota 119 19 101 101 0 101Mississippi 164 70 94 94 0 94Missouri 118 47 72 72 1 71Montana 100 15 84 84 1 84Nebraska 109 34 76 76 1 75Nevada 160 25 135 135 0 135New Hampshire 110 26 84 84 0 84New Jersey 78 39 39 39 0 39New Mexico 136 36 100 100 0 100New York 117 45 72 72 0 72North Carolina 125 41 83 83 1 82North Dakota 108 23 85 85 0 85Ohio 116 34 82 82 0 82Oklahoma 132 47 85 85 0 85Oregon 144 27 117 117 0 117Pennsylvania 122 31 91 91 0 91Puerto Rico 120 46 74 74 0 74Rhode Island 98 12 87 87 0 87South Carolina 156 43 112 112 1 111South Dakota 83 14 68 68 0 68Tennessee 149 35 114 114 22 91Texas 134 44 90 90 1 89Utah 189 57 132 132 2 130Vermont 111 29 81 81 0 81Virginia 250 120 130 130 0 130Washington 149 36 113 113 0 113West Virginia 96 21 76 76 0 75Wisconsin 142 25 116 116 25 92Wyoming 131 37 95 95 3 92

National total 140 45 96 96 3 92

Gross required


(All items divided by average assets; All items in basis points)Other transfers

reserve transferto capital

w/o StabilizationNet spreadProvision for

loan loss StabilizationNet income before Net income after

Stabilization


(131)S

ection 6 -S

preads by state

By stateAlabama 201,898,307 12.22 0.67 0.46 0.88Alaska 930,488,977 9.78 1.01 0.50 0.67Arizona 413,299,944 11.80 0.46 0.42 1.04Arkansas 51,675,237 13.89 0.66 0.35 0.76California 626,854,694 11.26 0.39 0.26 0.94Colorado 311,212,900 11.28 0.41 0.30 0.91Connecticut 110,585,671 10.32 0.66 0.25 0.62Delaware 132,332,735 11.06 1.06 0.73 0.61District of Columbia 211,015,111 11.73 0.65 0.17 0.92Florida 483,942,604 10.97 0.54 0.43 0.98Georgia 225,315,576 12.56 0.46 0.45 0.95Hawaii 208,888,298 11.67 0.74 0.44 0.66Idaho 270,663,898 9.46 0.51 0.32 1.19Illinois 175,108,050 11.20 0.64 0.36 0.80Indiana 176,754,896 11.15 0.56 0.26 0.80Iowa 215,232,367 10.31 0.73 0.30 1.08Kansas 83,978,035 11.67 0.69 0.50 0.67Kentucky 144,380,006 12.87 0.67 0.45 0.94Louisiana 64,042,021 11.70 0.94 0.50 0.76Maine 139,896,114 11.00 0.67 0.19 0.83Maryland 289,693,532 11.05 0.80 0.47 0.76Massachusetts 235,572,265 11.01 0.58 0.19 0.68Michigan 273,128,029 12.02 0.67 0.35 1.08Minnesota 211,715,332 11.45 0.42 0.18 1.01Mississippi 74,788,426 14.42 1.01 0.74 0.94Missouri 131,183,019 10.76 0.69 0.51 0.72Montana 99,342,641 11.91 0.54 0.24 0.84Nebraska 60,833,179 11.79 0.69 0.29 0.76Nevada 328,749,881 11.56 0.58 0.34 1.35New Hampshire 541,482,891 10.51 0.27 0.24 0.84New Jersey 85,029,608 9.95 1.72 0.54 0.39New Mexico 265,820,526 11.49 0.53 0.36 1.00New York 237,334,068 10.70 1.10 0.44 0.72North Carolina 774,331,318 9.24 1.51 0.38 0.83North Dakota 103,216,067 12.97 1.24 0.18 0.85Ohio 112,916,073 11.34 0.64 0.35 0.82Oklahoma 238,068,186 11.67 0.68 0.53 0.85Oregon 390,609,488 10.59 0.32 0.25 1.17Pennsylvania 126,289,022 11.82 0.62 0.35 0.91Puerto Rico 74,795,195 12.86 0.90 0.51 0.74Rhode Island 320,006,351 10.30 0.34 0.09 0.87South Carolina 226,862,438 12.11 0.52 0.44 1.12South Dakota 89,183,974 10.86 0.59 0.15 0.68Tennessee 172,349,699 12.79 0.46 0.29 1.14Texas 223,707,321 10.81 0.68 0.46 0.90Utah 432,798,412 10.71 0.64 0.39 1.32Vermont 225,716,521 10.51 0.75 0.22 0.81Virginia 1,175,499,391 11.55 0.90 0.99 1.30Washington 605,971,222 11.17 0.32 0.33 1.13West Virginia 42,229,520 12.60 1.00 0.23 0.76Wisconsin 288,944,102 11.41 0.65 0.20 1.16Wyoming 116,978,204 10.74 0.47 0.33 0.95

National total(1) The net chargeoffs-to-average loan ratio is annualized.

Earnings

before transferloans/loans

chargeoffs/average loans(1)

$256,883,823 11.22% 0.67%

Average assets

Net

0.96%0.42%

Net worth/total assets

average assets


Asset QualityNet income/Delinquent


(132)S

ection 6 -S

preads by state

By stateAlabama 4.1 4.1 9.2 -7.6 1.5 1.7Alaska 3.1 3.1 4.1 -4.0 3.4 5.7Arizona 2.5 4.0 7.0 -4.8 3.2 4.6Arkansas 2.1 3.7 4.4 -5.0 1.9 2.7California 3.9 3.8 7.7 -3.2 4.4 4.9Colorado 4.4 5.0 8.4 -0.5 6.6 5.9Connecticut 3.1 2.9 7.0 -3.5 3.2 4.1Delaware -0.3 0.9 3.0 -4.4 0.5 0.6District of Columbia 1.0 1.3 3.3 -0.9 1.8 4.7Florida 3.7 4.5 7.9 -1.6 5.2 5.7Georgia 2.5 4.0 6.8 -3.1 4.3 4.9Hawaii 2.2 2.4 6.9 -2.2 2.5 2.3Idaho 4.5 10.5 8.8 7.3 9.0 10.2Illinois 2.6 2.2 9.0 -4.3 5.1 4.5Indiana 2.7 3.8 6.1 -3.6 3.7 4.8Iowa 3.6 5.4 12.7 -5.2 8.8 7.2Kansas 5.1 2.1 5.7 -11.6 2.0 3.8Kentucky 5.7 4.8 6.7 0.2 5.0 6.1Louisiana 0.9 2.2 6.2 -6.0 3.5 4.6Maine 3.2 5.7 7.5 -1.0 5.4 6.0Maryland 2.3 4.6 7.5 -1.1 5.1 4.3Massachusetts 4.4 3.2 6.6 -6.9 3.7 3.6Michigan 3.6 4.5 9.7 -5.6 5.1 5.4Minnesota 3.4 5.0 9.4 -3.3 6.1 4.9Mississippi 3.6 2.5 11.9 -13.1 2.7 3.6Missouri 3.6 3.9 7.5 -3.3 4.2 4.0Montana 2.0 3.3 8.0 -4.8 3.3 2.5Nebraska 2.4 2.3 5.4 -6.3 2.1 4.7Nevada -0.1 4.0 10.3 -5.7 4.0 7.8New Hampshire 7.1 5.5 7.0 -9.9 5.4 5.5New Jersey 1.1 0.7 5.3 -2.6 2.3 1.1New Mexico 3.8 4.8 6.1 2.6 5.1 6.2New York 5.8 6.0 7.5 -0.5 4.8 2.2North Carolina 3.7 3.6 5.2 1.3 4.0 5.6North Dakota 5.4 6.7 11.0 -6.7 6.9 7.4Ohio 2.6 4.2 6.5 -0.1 4.8 5.7Oklahoma 2.8 2.2 5.6 -3.6 3.0 3.3Oregon 4.3 4.9 5.3 6.0 5.2 8.2Pennsylvania 3.3 3.6 7.4 -1.1 4.6 4.9Puerto Rico 4.8 4.2 9.1 -5.0 3.9 3.9Rhode Island 6.2 7.6 8.2 -2.2 6.8 6.3South Carolina 3.1 4.8 8.2 -2.7 5.7 7.0South Dakota 2.9 3.9 8.0 -5.3 4.5 4.9Tennessee 4.2 6.0 10.3 -5.9 6.5 6.8Texas 3.1 2.7 5.4 -5.1 3.0 5.9Utah 7.6 11.5 13.9 -4.0 10.7 10.1Vermont 3.3 4.8 5.0 1.9 4.7 3.7Virginia 6.1 7.1 6.8 -9.1 5.0 5.9Washington 4.8 5.0 7.0 1.4 5.6 6.5West Virginia 0.1 1.5 3.7 -2.3 1.5 4.5Wisconsin 4.1 6.6 7.7 1.6 6.8 7.6Wyoming 3.6 3.9 9.5 -6.0 6.1 6.6

National total

* Growth rates are based on CUs reporting for December 2017 and September 2018.

Savings Loans



funds Assets CapitalMembersSurplus

4.7% 5.3%4.0% 4.5% 7.4% -3.3%


(133)S

ection 6 -S

preads by state

By stateAlabama 110 203,430,596 202,663,167 11.07 11.04 0.02Alaska 11 946,047,118 934,376,012 8.40 8.21 0.18Arizona 42 419,882,631 418,775,335 11.08 10.94 0.14Arkansas 56 52,158,278 52,442,585 13.64 13.53 0.11California 309 640,319,260 632,551,178 10.89 10.83 0.06Colorado 80 321,143,520 313,810,251 11.21 11.28 -0.07Connecticut 95 112,338,916 111,755,723 9.95 9.87 0.08Delaware 17 132,688,027 133,821,833 10.12 10.12 0.00District of Columbia 37 212,849,565 211,495,588 11.39 11.07 0.32Florida 133 496,297,817 488,204,496 10.44 10.40 0.05Georgia 104 230,008,330 227,318,708 12.06 11.99 0.07Hawaii 55 211,463,988 209,737,039 11.19 11.21 -0.02Idaho 34 282,350,092 271,223,428 9.22 9.12 0.09Illinois 258 179,423,515 176,748,075 10.81 10.87 -0.05Indiana 154 179,969,773 178,623,036 10.89 10.78 0.11Iowa 88 224,343,041 215,907,620 10.19 10.35 -0.16Kansas 80 84,808,501 84,735,744 11.41 11.22 0.20Kentucky 63 147,885,321 145,169,703 12.43 12.30 0.13Louisiana 179 65,138,236 64,714,169 11.17 11.05 0.12Maine 55 143,578,268 140,845,022 10.71 10.65 0.06Maryland 84 296,917,047 291,959,574 10.58 10.66 -0.08Massachusetts 164 239,886,874 237,118,806 10.76 10.78 -0.02Michigan 224 279,878,340 276,638,792 11.51 11.47 0.04Minnesota 109 217,969,086 212,711,947 10.99 11.12 -0.13Mississippi 75 75,786,098 75,219,899 13.33 13.22 0.12Missouri 111 133,908,219 132,727,447 10.23 10.25 -0.02Montana 51 100,976,602 99,789,511 11.49 11.59 -0.10Nebraska 60 61,459,041 61,443,150 11.49 11.20 0.29Nevada 15 335,185,894 332,800,611 11.15 10.76 0.39New Hampshire 15 555,649,062 544,197,271 10.10 10.08 0.01New Jersey 160 86,002,098 85,996,479 9.57 9.68 -0.11New Mexico 41 272,401,238 267,720,391 10.85 10.74 0.12New York 342 242,919,531 237,491,808 9.90 10.16 -0.26North Carolina 71 789,529,978 779,877,860 8.63 8.50 0.13North Dakota 35 106,658,608 104,836,912 12.68 12.63 0.05Ohio 267 115,550,021 113,864,387 11.05 10.96 0.10Oklahoma 60 241,542,032 240,609,357 11.20 11.16 0.04Oregon 58 400,527,750 394,582,171 10.45 10.16 0.29Pennsylvania 373 129,131,319 127,933,812 11.41 11.37 0.03Puerto Rico 12 76,226,780 74,990,255 12.70 12.70 0.00Rhode Island 20 330,459,237 319,428,449 9.96 10.00 -0.04South Carolina 63 233,167,659 229,692,266 11.84 11.70 0.14South Dakota 37 91,128,740 89,290,842 10.58 10.54 0.05Tennessee 140 177,805,906 173,520,079 12.51 12.48 0.03Texas 458 227,022,357 224,686,232 10.48 10.19 0.29Utah 62 454,803,876 438,599,569 10.17 10.23 -0.06Vermont 19 230,867,878 227,553,525 9.97 10.07 -0.09Virginia 128 1,203,903,898 1,166,629,894 10.87 10.78 0.09Washington 87 622,540,008 609,484,537 10.80 10.72 0.09West Virginia 87 42,551,205 42,871,247 12.38 12.03 0.35Wisconsin 129 298,396,660 290,901,674 11.32 11.23 0.09Wyoming 27 120,463,339 116,967,703 10.43 10.38 0.05

National total 5,544 $262,811,208 $258,464,744

September 2018Net Capital-to-asset ratios

Number ofcredit unions Average assetsThird-quarter assets

10.76% 10.70% 0.05%


Changein sample per credit union per credit union December 2017

Documents

Operating Ratios and Spreads - Credit Union National Association … · 2019-02-19 · Additional Ratios and Averages 32. Branch Information and Service Offerings 33. Sample Information