Credit Union Index an ANALYSIS of CALIFORNIA CREDIT UNIONS Credit Union Index

Credit Union Index AN ANALYSIS OF CALIFORNIA CREDIT UNIONS Credit Union Index

The Credit Union Index is published by the Northern California

California offices of Moss Adams. For more FRESNO NAPA SACRAMENTO information on the data presented in this report, 265 East River Park Circle 1000 Main Street 3100 Zinfandel Drive Suite 110 Suite 280 Fifth Floor contact Rebecca Radell, Senior Manager, Fresno, CA 93270 Napa, CA 94559 Rancho Cordova, CA 95670 (559) 389-5700 (707) 255-1059 (916) 503-8100 at (209) 955-6136. SAN FRANCISCO SANTA ROSA SILICON VALLEY 101 Second Street 3558 Round Barn Boulevard 635 Campbell Technology Suite 900 Suite 300 Parkway, Suite 300 San Francisco, CA 94105 Santa Rosa, CA 95403 Campbell, CA 95008 (415) 956-1500 (707) 527-0800 (408) 369-2400

STOCKTON WALNUT CREEK 3121 West March Lane 1333 North California Suite 100 Boulevard, Suite 350 Stockton, CA 95219 Walnut Creek, CA 94596 (209) 955-6100 (925) 952-2500

Southern California

LOS ANGELES SAN DIEGO 10960 Wilshire Boulevard 4747 Executive Drive Suite 1100 Suite 1300 Los Angeles, CA 90024 San Diego, CA 92121 (310) 477-0450 (858) 627-1400

ORANGE COUNTY WOODLAND HILLS 2040 Main Street 21700 Oxnard Street Suite 900 Suite 300 Irvine, CA 92614 Woodland Hills, CA 91367 (949) 221-4000 (818) 577-1900 Credit Union Index

ASSET SIZE DEFINITION California counties included in the data:

Group A $0–$250 million Northern Southern

Alameda Napa Imperial Group B $251 million–$500 million Alpine Nevada Kern Amador Placer Los Angeles Group C $501 million–$1 billion Butte Plumas Orange Calaveras Sacramento Riverside Colusa San Benito San Bernardino Over $1 billion Group D Contra Costa San Francisco San Diego Del Norte San Joaquin San Luis Obispo El Dorado San Mateo Santa Barbara Fresno Santa Clara Ventura Glenn Santa Cruz Humboldt Shasta Inyo Sierra Kings Siskiyou Lake Solano Lassen Sonoma Madera Stanislaus Marin Sutter Mariposa Tehama Mendocino Trinity Merced Tulare Modoc Tuolumne Mono Yolo Monterey Yuba Northern California Performance Analysis Performance Analysis September 30, 2020 Run Date: November 17, 2020

Summary Trends of Historical Asset Group Averages: Return on Average Assets

Asset Group A ‐ $50 to $250 million in Total Assets Asset Group B ‐ $251 to $500 million in Total Assets Year‐to‐Date Year‐to‐Date 0.80% 1.40%

0.70% 1.20%

0.60% 1.00%

0.50% 0.80% 0.40% 0.60% 0.30%

0.40% 0.20%

0.10% 0.20%

0.00% 0.00% 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 6/1/2018 7/1/2018 8/1/2018 9/1/2018 6/1/2018 7/1/2018 8/1/2018 9/1/2018 10/1/2019 11/1/2019 12/1/2019 10/1/2019 11/1/2019 12/1/2019 10/1/2018 11/1/2018 12/1/2018 10/1/2018 11/1/2018 12/1/2018 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 Return on Avg Assets 0.45% 0.54% 0.59% 0.62% 0.66% 0.67% 0.76% 0.48% 0.40% 0.39% Return on Avg Assets 0.82% 0.89% 0.82% 0.79% 0.83% 1.20% 0.88% 0.31% 0.40% 0.48%

Asset Group C ‐ $501 to $1 billion in Total Assets Asset Group D ‐ $1 billion and Over in Total Assets Year‐to‐Date Year‐to‐Date 1.00% 1.20%

0.90% 1.00% 0.80%

0.70% 0.80% 0.60%

0.50% 0.60%

0.40% 0.40% 0.30%

0.20% 0.20% 0.10%

0.00% 0.00% 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 Return on Avg Assets 0.75% 0.64% 0.57% 0.60% 0.70% 0.75% 0.87% 0.41% 0.32% 0.53% Return on Avg Assets 1.05% 1.07% 1.01% 0.92% 0.96% 0.97% 0.89% 0.49% 0.77% 0.57%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Performance Graph-N Page 3 of 49 Performance Analysis September 30, 2020 Run Date: November 17, 2020

Summary Trends of Historical Asset Group Averages: Return on Average Net Worth

Asset Group A ‐ $50 to $250 million in Total Assets Asset Group B ‐ $251 to $500 million in Total Assets Year‐to‐Date Year‐to‐Date 10.00% 14.00%

9.00% 12.00% 8.00%

7.00% 10.00%

6.00% 8.00% 5.00% 6.00% 4.00%

3.00% 4.00% 2.00% 2.00% 1.00%

0.00% 0.00% 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 6/1/2018 7/1/2018 8/1/2018 9/1/2018 6/1/2018 7/1/2018 8/1/2018 9/1/2018 10/1/2019 11/1/2019 12/1/2019 10/1/2019 11/1/2019 12/1/2019 10/1/2018 11/1/2018 12/1/2018 10/1/2018 11/1/2018 12/1/2018 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 Return on Avg Net Worth 4.18% 5.04% 5.48% 5.51% 6.14% 6.28% 8.68% 4.52% 3.79% 3.76% Return on Avg Net Worth 8.23% 8.34% 7.77% 7.76% 7.99% 12.18% 8.06% 2.38% 3.77% 4.59%

Asset Group C ‐ $501 to $1 billion in Total Assets Asset Group D ‐ $1 billion and Over in Total Assets Year‐to‐Date Year‐to‐Date 9.00% 12.00%

8.00% 10.00% 7.00%

6.00% 8.00%

5.00% 6.00% 4.00%

3.00% 4.00%

2.00% 2.00% 1.00%

0.00% 0.00% 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 Return on Avg Net Worth 6.76% 6.37% 5.75% 5.10% 5.97% 6.44% 8.29% 3.40% 3.08% 4.57% Return on Avg Net Worth 10.59% 10.85% 10.16% 8.91% 9.13% 9.22% 8.48% 4.51% 7.06% 5.31%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Performance Graph-N Page 4 of 49 Performance Analysis September 30, 2020 Run Date: November 17, 2020

As of Date Quarter to Date Year to Date

Total Assets Net Income Return on Avg Return on Oper Exp/ Oper Salary&Benefits/ Net Income (Loss) Return on Avg Return on Oper Exp/ Oper Salary&Benefits/ ($000) (Loss) ($000) Assets (%) Avg Net Worth (%) Rev (%) Employees ($000) ($000) Assets (%) Avg Net Worth (%) Rev (%) Employees ($000) Region Institution Name

Asset Group A - $50 to $250 million in total assets

Mokelumne Federal Credit Union $55,656 $20 0.14% 1.11% 95.88% $67 $62 0.16% 1.15% 94.82% $67 Valley Oak Credit Union $60,725 $19 0.13% 1.56% 100.00% $62 ($49) (0.12%) (1.34%) 100.81% $63 Menlo Survey Federal Credit Union $69,674 $84 0.48% 3.52% 88.19% $103 $296 0.58% 4.18% 77.49% $91 Chabot Federal Credit Union $69,999 $10 0.06% 0.36% 97.28% $101 $66 0.13% 0.80% 94.34% $105 California Community Credit Union $73,298 ($28) (0.16%) (1.31%) 106.37% $58 $27 0.05% 0.42% 97.97% $58 Polam Federal Credit Union $81,583 $91 0.46% 3.64% 84.90% $75 $259 0.45% 3.48% 85.51% $75 Marin County Federal Credit Union $82,406 $89 0.44% 3.79% 81.54% $88 $356 0.62% 5.17% 73.83% $87 Kaiperm Federal Credit Union $82,868 ($78) (0.39%) (3.38%) 111.62% $85 ($194) (0.34%) (2.79%) 110.76% $87 Bay Cities Credit Union $83,061 ($109) (0.54%) (6.02%) 110.60% $78 ($32) (0.06%) (0.59%) 98.24% $77 Upward Credit Union $90,177 $64 0.29% 2.94% 89.65% $100 $222 0.36% 3.42% 88.94% $101 Siskiyou Central Credit Union $90,395 $275 1.23% 13.02% 63.16% $55 $589 0.94% 9.54% 63.39% $53 North Bay Credit Union $92,097 $172 0.76% 8.89% 89.48% $97 $1,462 2.34% 26.27% 68.20% $85 Lassen County Federal Credit Union $92,482 $73 0.32% 2.15% 87.41% $92 $217 0.33% 2.17% 87.41% $92 Shell Western States Federal Credit Union $94,865 $21 0.09% 0.91% 94.50% $113 $139 0.21% 2.01% 88.51% $113 First California Federal Credit Union $101,889 ($118) (0.47%) (5.58%) 96.25% $71 ($441) (0.61%) (6.81%) 90.09% $67 Vision One Credit Union $105,279 $453 1.71% 14.68% 59.15% $161 $634 0.86% 6.97% 73.06% $166 SMW 104 Federal Credit Union $105,995 $75 0.29% 3.38% 87.86% $124 $298 0.39% 4.51% 84.14% $131 Tulare County Federal Credit Union $116,275 $134 0.47% 7.07% 88.36% $73 $12 0.01% 0.21% 97.72% $79 United Local Credit Union $121,162 $185 0.62% 3.75% 95.42% $82 $202 0.23% 1.37% 93.19% $82 Mission City Federal Credit Union $127,091 $100 0.32% 4.21% 88.75% $97 $189 0.21% 2.68% 89.85% $97 Cooperative Center Federal Credit Union $130,187 ($32) (0.10%) (1.57%) 91.30% $94 ($295) (0.32%) (4.75%) 97.11% $98 SRI Federal Credit Union $138,543 $220 0.64% 8.27% 70.24% $120 $882 0.95% 11.47% 64.57% $126 Kings Federal Credit Union $138,931 $67 0.19% 1.44% 79.65% $77 $278 0.28% 2.00% 77.38% $78 Merco Credit Union $143,189 $130 0.38% 4.24% 82.82% $69 $275 0.29% 3.01% 83.95% $72 San Joaquin Power Employees Credit Union $145,746 $197 0.54% 3.25% 60.40% $133 $492 0.46% 2.73% 69.33% $164 Vocality Community Credit Union $148,176 $282 0.77% 7.62% 81.09% $81 $889 0.86% 8.19% 78.06% $79 Compass Community Credit Union $163,031 $63 0.16% 1.23% 94.41% $101 ($146) (0.13%) (0.95%) 100.55% $113 Santa Cruz Community Credit Union $166,046 $447 1.11% 15.47% 79.63% $83 $1,235 1.13% 14.85% 79.82% $83 Solano First Federal Credit Union $167,094 $25 0.06% 1.16% 104.42% $74 $48 0.04% 0.75% 100.07% $74 Central Coast Federal Credit Union $173,453 $132 0.31% 3.79% 86.04% $78 $487 0.41% 4.77% 86.21% $81 Premier Community Credit Union $181,143 $51 0.12% 1.19% 94.28% $58 $35 0.03% 0.29% 93.18% $63 Families & Schools Together Federal Credit Union $217,603 $1,008 1.90% 15.40% 59.06% $64 $2,860 1.94% 15.12% 60.03% $65 Central State Credit Union $223,533 $212 0.38% 4.43% 85.54% $63 $947 0.59% 6.73% 78.70% $63 Heritage Community Credit Union $234,151 $66 0.11% 1.28% 74.94% $83 $35 0.02% 0.23% 76.99% $87 Pacific Postal Credit Union $238,131 $360 0.61% 4.05% 80.36% $102 $663 0.38% 2.53% 78.65% $105 C.A.H.P. Credit Union $243,369 $120 0.20% 2.34% 88.48% $138 $822 0.48% 5.40% 87.71% $135

Average of Asset Group A $129,147 $136 0.38% 3.67% 86.92% $89 $384 0.39% 3.76% 85.29% $91

Source: SNL Financial

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Performance Data-N Page 5 of 49 Performance Analysis September 30, 2020 Run Date: November 17, 2020

As of Date Quarter to Date Year to Date

Asset Group B - $251 to $500 million in total assets

Members 1st Credit Union $264,797 $651 0.99% 11.10% 72.35% $70 $1,370 0.73% 7.94% 76.56% $70 Tucoemas Federal Credit Union $277,729 $512 0.75% 10.07% 67.70% $54 $1,216 0.63% 8.10% 69.89% $63 Monterey Credit Union $284,906 $302 0.43% 3.22% 86.07% $92 $318 0.16% 1.13% 85.08% $97 Yolo Federal Credit Union $347,740 $1,060 1.25% 10.48% 72.86% $87 $1,954 0.81% 6.55% 77.96% $83 MOCSE Federal Credit Union $354,208 $238 0.27% 3.00% 87.54% $76 $672 0.27% 2.87% 87.82% $77 Sea West Coast Guard Federal Credit Union $394,485 $132 0.14% 0.70% 92.95% $106 $476 0.17% 0.85% 91.71% $106 First U.S. Community Credit Union $461,525 $867 0.76% 6.65% 73.02% $97 $2,680 0.83% 6.98% 69.67% $97 PremierOne Credit Union $494,985 $523 0.43% 4.45% 84.55% $94 $809 0.23% 2.33% 90.66% $103

Average of Asset Group B $360,047 $536 0.63% 6.21% 79.63% $85 $1,187 0.48% 4.59% 81.17% $87

Asset Group C - $501 million to $1 billion in total assets

SafeAmerica Credit Union $500,028 $699 0.56% 7.42% 74.00% $102 $1,843 0.50% 6.61% 73.60% $102 UNCLE Credit Union $552,443 $3,110 2.27% 26.78% 54.86% $83 $3,155 0.81% 9.37% 73.76% $99 Sacramento Credit Union $580,550 $1,910 1.34% 9.51% 62.40% $77 $5,081 1.26% 8.63% 64.48% $80 Financial Center Credit Union $592,294 $416 NA 1.48% NA $98 ($990) NA (1.19%) NA $93 Commonwealth Central Credit Union $596,667 ($196) (0.13%) (1.40%) 89.25% $102 $296 0.07% 0.71% 87.64% $107 Excite Credit Union $602,967 $955 0.64% 7.73% 78.48% $91 ($100) (0.02%) (0.27%) 87.92% $94 Merced School Employees Federal Credit Union $627,042 $887 0.57% 5.29% 79.21% $64 $2,638 0.61% 5.44% 78.74% $65 Community First Credit Union $640,836 $1,233 0.78% 8.25% 72.94% $84 $4,166 0.94% 9.52% 71.99% $80 Valley First Credit Union $722,116 $1,496 0.84% 8.59% 70.92% $77 $3,978 0.80% 7.81% 73.77% $80 1st Northern California Credit Union $808,965 $1,076 0.54% 5.39% 74.42% $94 $1,496 0.26% 2.52% 85.01% $87 Santa Clara County Federal Credit Union $901,596 $697 0.32% 3.53% 87.54% $131 $1,619 0.26% 2.81% 86.98% $141 Noble Federal Credit Union $917,082 $1,679 0.74% 7.12% 75.78% $90 $2,053 0.32% 2.93% 79.45% $92

Average of Asset Group C $670,216 $1,164 0.77% 7.47% 74.53% $91 $2,103 0.53% 4.57% 78.49% $93

Source: SNL Financial

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Performance Data-N Page 6 of 49 Performance Analysis September 30, 2020 Run Date: November 17, 2020

As of Date Quarter to Date Year to Date

Asset Group D - $1 billion and over in total assets

Police Credit Union of California $1,058,990 ($360) (0.14%) (1.05%) 106.55% $127 ($663) (0.09%) (0.65%) 97.58% $123 San Francisco Federal Credit Union $1,237,646 ($33,545) (10.87%) (119.63%) NA $155 ($31,832) (3.55%) (34.54%) 139.21% $154 Sierra Central Credit Union $1,246,028 $2,960 0.97% 9.04% 72.97% $79 $7,091 0.80% 7.35% 70.80% $81 1st United Services Credit Union $1,277,360 $219 0.07% 0.75% 94.72% $110 $692 0.08% 0.79% 92.36% $112 Operating Engineers Local Union #3 Federal Credit Union $1,277,653 $2,417 0.77% 5.17% 67.28% $100 $4,333 0.47% 3.13% 71.42% $104 Pacific Service Credit Union $1,282,725 $1,796 0.57% 4.01% 81.48% $137 $3,891 0.42% 2.92% 83.13% $140 Bay Federal Credit Union $1,337,373 $1,947 0.60% 7.00% 77.94% $98 $6,179 0.68% 7.65% 77.50% $97 San Mateo Credit Union $1,383,041 $2,958 0.87% 8.26% 70.62% $107 $9,454 0.99% 9.00% 70.98% $108 KeyPoint Credit Union $1,445,273 $1,265 0.35% 4.49% 80.38% $117 $1,728 0.17% 2.07% 83.13% $124 Self-Help Federal Credit Union $1,503,320 $2,009 0.54% 13.32% 69.71% $71 $3,486 0.34% 7.49% 74.97% $75 San Francisco Fire Credit Union $1,578,208 $2,579 0.66% 7.79% 80.68% $138 $2,480 0.22% 2.51% 91.03% $153 Meriwest Credit Union $1,864,766 $3,175 0.68% 9.75% 76.79% $153 $6,230 0.46% 6.40% 80.15% $149 Coast Central Credit Union $1,875,785 $2,002 0.44% 3.81% 79.55% $81 $7,062 0.55% 4.57% 73.83% $82 Provident Credit Union $3,224,323 $5,788 0.73% 6.97% 72.13% $135 $11,092 0.49% 4.50% 79.73% $129 Stanford Federal Credit Union $3,348,228 $6,699 0.81% 8.62% 57.09% $138 $19,305 0.81% 8.51% 59.13% $138 Technology Credit Union $3,511,583 $8,885 1.03% 10.14% 59.02% $148 $23,895 0.97% 9.33% 58.33% $146 SAFE Credit Union $3,688,879 $3,282 0.36% 4.06% 82.20% $110 $13,656 0.54% 5.71% 76.62% $103 Educational Employees Credit Union $3,849,072 $4,311 0.46% 3.60% 83.61% $83 $16,762 0.63% 4.79% 76.88% $81 Travis Credit Union $4,087,796 $11,374 1.14% 11.08% 71.81% $105 $18,652 0.66% 6.18% 75.80% $97 Chevron Federal Credit Union $4,096,410 $6,793 0.67% 5.13% 67.24% $131 $136,545 4.70% 39.92% 24.14% $128 Redwood Credit Union $5,950,018 $16,404 1.13% 9.77% 56.31% $114 $49,941 1.22% 10.17% 57.69% $112 Patelco Credit Union $8,130,917 $11,130 0.55% 5.53% 64.19% $115 $38,994 0.67% 6.58% 64.27% $118 Star One Credit Union $9,975,318 $24,783 1.00% 8.23% 25.81% $24 $42,465 0.59% 4.80% 54.09% $198 First Technology Federal Credit Union $14,404,660 $47,149 1.31% 12.62% 56.55% $115 $97,381 0.93% 9.17% 62.36% $113 Golden 1 Credit Union $15,567,121 $16,953 0.44% 4.21% 72.32% $90 $51,640 0.48% 4.36% 71.15% $88

Average of Asset Group D $3,928,100 $6,119 0.21% 1.71% 71.96% $111 $21,618 0.57% 5.31% 74.65% $118

Source: SNL Financial

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Performance Data-N Page 7 of 49 Balance Sheet & Net Interest Margin Balance Sheet & Net Interest Margin September 30, 2020 Run Date: November 17, 2020

Summary Trends of Historical Asset Group Averages: Yield on Avg. Assets & Net Interest Income/ Avg Assets (%)

Asset Group A ‐ $50 to $250 million in Total Assets Asset Group B ‐ $251 to $500 million in Total Assets Year‐to‐Date Year‐to‐Date 4.00% 4.00%

3.50% 3.50%

3.00% 3.00%

2.50% 2.50%

2.00% 2.00%

1.50% 1.50%

1.00% 1.00%

0.50% 0.50%

0.00% 0.00% 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 6/1/2018 7/1/2018 8/1/2018 9/1/2018 6/1/2018 7/1/2018 8/1/2018 9/1/2018 10/1/2019 11/1/2019 12/1/2019 10/1/2019 11/1/2019 12/1/2019 10/1/2018 11/1/2018 12/1/2018 10/1/2018 11/1/2018 12/1/2018 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 Yield on Avg Assets 3.32% 3.38% 3.44% 3.56% 3.59% 3.62% 3.62% 3.51% 3.34% 3.20% Yield on Avg Assets 3.22% 3.30% 3.36% 3.48% 3.52% 3.56% 3.50% 3.53% 3.27% 3.17% Net Interest Income/ Avg Assets 3.04% 3.09% 3.14% 3.19% 3.22% 3.24% 3.24% 3.10% 2.94% 2.82% Net Interest Income/ Avg Assets 2.95% 3.03% 3.03% 3.10% 3.12% 3.15% 3.09% 3.10% 2.96% 2.87%

Asset Group C ‐ $501 to $1 billion in Total Assets Asset Group D ‐ $1 billion and Over in Total Assets Year‐to‐Date Year‐to‐Date 4.00% 4.00%

3.50% 3.50%

3.00% 3.00%

2.50% 2.50%

2.00% 2.00%

1.50% 1.50%

1.00% 1.00%

0.50% 0.50%

0.00% 0.00% 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 Yield on Avg Assets 3.25% 3.29% 3.28% 3.56% 3.58% 3.61% 3.65% 3.45% 3.31% 3.28% Yield of Avg Assets 3.38% 3.45% 3.51% 3.65% 3.66% 3.67% 3.67% 3.52% 3.31% 3.34% Net Interest Income/ Avg Assets 2.99% 3.03% 3.04% 3.24% 3.25% 3.26% 3.23% 3.09% 2.92% 2.91% Net Interest Income/ Avg Assets 2.81% 2.85% 2.89% 2.91% 2.93% 2.92% 2.89% 2.75% 2.60% 2.66%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. BS & NIM Graph-N Page 9 of 49 Balance Sheet & Net Interest Margin September 30, 2020 Run Date: November 17, 2020

Summary Trends of Historical Asset Group Averages: Asset Growth Rate & Market Growth Rate

Asset Group A ‐ $50 to $250 million in Total Assets Asset Group B ‐ $251 to $500 million in Total Assets Year‐to‐Date Year‐to‐Date 25.00% 25.00%

20.00% 20.00%

15.00% 15.00%

10.00% 10.00%

5.00% 5.00%

0.00% 0.00% 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 6/1/2018 7/1/2018 8/1/2018 9/1/2018 6/1/2018 7/1/2018 8/1/2018 9/1/2018 10/1/2019 11/1/2019 12/1/2019 10/1/2019 11/1/2019 12/1/2019 10/1/2018 11/1/2018 12/1/2018 10/1/2018 11/1/2018 12/1/2018 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 Asset Growth Rate 5.75% 4.32% 3.91% 7.66% 3.73% 4.06% 3.42% 9.24% 21.32% 19.14% Asset Growth Rate 6.34% 3.73% 3.69% 9.46% 3.20% 3.07% 4.68% 9.76% 22.09% 18.60% Market Growth Rate 5.46% 3.87% 3.62% 7.59% 2.86% 3.21% 2.49% 9.73% 21.58% 19.59% Market Growth Rate 6.01% 3.05% 3.15% 9.48% 2.36% 2.11% 3.71% 9.34% 20.73% 18.17%

Asset Group C ‐ $501 to $1 billion in Total Assets Asset Group D ‐ $1 billion and Over in Total Assets Year‐to‐Date Year‐to‐Date 30.00% 30.00%

25.00% 25.00%

20.00% 20.00%

15.00% 15.00%

10.00% 10.00%

5.00% 5.00%

0.00% 0.00% 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 Asset Growth Rate 6.75% 4.03% 2.31% 15.50% 6.40% 6.15% 5.45% 12.90% 24.33% 19.94% Asset Growth Rate 7.60% 6.07% 5.94% 12.19% 6.55% 6.95% 6.63% 15.91% 23.28% 19.99% Market Growth Rate 7.35% 3.84% 2.11% 14.24% 4.75% 4.47% 3.74% 16.15% 25.86% 21.65% Market Growth Rate 6.79% 5.34% 5.65% 13.66% 5.64% 6.22% 6.78% 15.43% 24.54% 21.59%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. BS & NIM Graph-N Page 10 of 49 Balance Sheet & Net Interest Margin September 30, 2020 Run Date: November 17, 2020

As of Date Year to Date

Total Lns & Total Shares & Total Loans/ Assets/ FTE Yield on Avg Interest Expense/ Net Interest Income/ Asset Growth Market Growth Total Assets ($000) Leases ($000) Deposits ($000) Total Shares (%) Employees ($000) Assets (%) Avg Assets (%) Avg Assets (%) Rate (%) Rate (%) Region Institution Name

Asset Group A - $50 to $250 million in total assets

Mokelumne Federal Credit Union $55,656 $24,378 $48,250 50.52% $3,975 2.93% 0.14% 2.79% 14.42% 16.59% Valley Oak Credit Union $60,725 $37,086 $55,420 66.92% $2,962 3.46% 0.16% 3.30% 23.08% 25.23% Menlo Survey Federal Credit Union $69,674 $27,635 $59,937 46.11% $9,953 2.72% 0.28% 2.44% 10.81% 12.11% Chabot Federal Credit Union $69,999 $21,020 $58,805 35.75% $8,235 2.58% 0.37% 2.21% 6.36% 6.63% California Community Credit Union $73,298 $25,358 $64,083 39.57% $4,442 2.24% 0.15% 2.09% 17.46% 19.02% Polam Federal Credit Union $81,583 $51,496 $71,316 72.21% $5,626 3.00% 0.42% 2.58% 12.50% 13.88% Marin County Federal Credit Union $82,406 $21,277 $72,978 29.16% $10,301 2.58% 0.13% 2.45% 19.98% 21.23% Kaiperm Federal Credit Union $82,868 $59,352 $73,470 80.78% $5,715 2.95% 0.42% 2.52% 19.29% 23.69% Bay Cities Credit Union $83,061 $23,188 $75,002 30.92% $4,615 3.02% 0.02% 3.01% 17.30% 18.17% Upward Credit Union $90,177 $43,984 $80,703 54.50% $6,012 3.28% 0.28% 2.99% 18.86% 20.29% Siskiyou Central Credit Union $90,395 $63,675 $81,283 78.34% $3,616 4.26% 0.20% 4.06% 25.57% 27.04% North Bay Credit Union $92,097 $62,297 $83,332 74.76% $2,669 3.84% 0.77% 3.07% 46.57% 47.72% Lassen County Federal Credit Union $92,482 $40,262 $78,149 51.52% $6,851 2.65% 0.45% 2.20% 15.43% 16.60% Shell Western States Federal Credit Union $94,865 $52,175 $75,167 69.41% $8,624 2.91% 0.19% 2.72% 22.52% 6.64% First California Federal Credit Union $101,889 $43,536 $93,114 46.76% $5,363 2.97% 0.43% 2.53% 15.14% 17.52% Vision One Credit Union $105,279 $79,004 $89,275 88.50% $10,027 3.68% 0.85% 2.82% 30.07% 29.83% SMW 104 Federal Credit Union $105,995 $29,294 $95,635 30.63% $11,777 2.78% 0.38% 2.40% 0.36% (1.51%) Tulare County Federal Credit Union $116,275 $74,065 $106,927 69.27% $3,751 3.36% 0.20% 3.16% 20.62% 24.56% United Local Credit Union $121,162 $68,889 $100,669 68.43% $4,660 3.40% 0.22% 3.18% 12.15% 14.26% Mission City Federal Credit Union $127,091 $74,341 $116,478 63.82% $7,061 3.33% 0.56% 2.76% 19.06% 20.68% Cooperative Center Federal Credit Union $130,187 $65,980 $121,031 54.51% $5,424 3.05% 0.13% 2.92% 11.01% 15.60% SRI Federal Credit Union $138,543 $116,883 $107,172 109.06% $13,854 3.39% 0.76% 2.63% 33.69% 22.35% Kings Federal Credit Union $138,931 $69,912 $119,445 58.53% $7,939 3.18% 0.44% 2.74% 15.47% 17.96% Merco Credit Union $143,189 $69,960 $129,925 53.85% $4,339 3.35% 0.18% 3.17% 27.40% 30.21% San Joaquin Power Employees Credit Union $145,746 $100,805 $119,462 84.38% $24,291 2.97% 1.68% 1.29% 1.94% 2.73% Vocality Community Credit Union $148,176 $105,406 $126,735 83.17% $3,799 4.13% 0.62% 3.51% 18.78% 19.76% Compass Community Credit Union $163,031 $97,338 $142,219 68.44% $7,763 2.74% 0.51% 2.23% 15.47% 17.96% Santa Cruz Community Credit Union $166,046 $121,056 $153,185 79.03% $3,459 4.56% 0.20% 4.37% 42.99% 51.32% Solano First Federal Credit Union $167,094 $75,642 $157,744 47.95% $4,456 3.05% 0.05% 3.00% 24.55% 25.63% Central Coast Federal Credit Union $173,453 $75,969 $147,956 51.35% $4,231 3.15% 0.17% 2.98% 23.43% 14.90% Premier Community Credit Union $181,143 $78,078 $161,286 48.41% $4,071 2.60% 0.12% 2.48% 22.54% 23.85% Families & Schools Together Federal Credit Union $217,603 $151,466 $185,232 81.77% $5,243 3.74% 0.28% 3.46% 31.14% 33.56% Central State Credit Union $223,533 $79,755 $203,545 39.18% $4,426 2.67% 0.10% 2.56% 14.86% 14.99% Heritage Community Credit Union $234,151 $158,511 $201,992 78.47% $6,082 3.18% 0.32% 2.87% 10.80% 4.82% Pacific Postal Credit Union $238,131 $77,523 $200,840 38.60% $7,938 2.81% 0.41% 2.40% 8.28% 8.29% C.A.H.P. Credit Union $243,369 $198,146 $219,941 90.09% $7,851 4.59% 0.92% 3.67% 19.03% 21.08%

Average of Asset Group A $129,147 $71,243 $113,270 61.52% $6,706 3.20% 0.38% 2.82% 19.14% 19.59%

Source: SNL Financial

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. BS & NIM Data-N Page 11 of 49 Balance Sheet & Net Interest Margin September 30, 2020 Run Date: November 17, 2020

As of Date Year to Date

Asset Group B - $251 to $500 million in total assets

Members 1st Credit Union $264,797 $207,317 $232,639 89.12% $4,646 3.23% 0.26% 2.97% 19.78% 16.52% Tucoemas Federal Credit Union $277,729 $139,030 $254,523 54.62% $5,393 3.74% 0.11% 3.63% 22.42% 24.06% Monterey Credit Union $284,906 $141,637 $233,853 60.57% $4,595 3.27% 0.20% 3.08% 19.27% 15.66% Yolo Federal Credit Union $347,740 $242,706 $304,195 79.79% $5,269 3.30% 0.08% 3.22% 21.93% 23.87% MOCSE Federal Credit Union $354,208 $129,100 $317,766 40.63% $4,600 2.61% 0.01% 2.60% 21.01% 20.73% Sea West Coast Guard Federal Credit Union $394,485 $169,340 $317,437 53.35% $9,622 2.71% 0.94% 1.77% 6.92% 7.80% First U.S. Community Credit Union $461,525 $269,273 $396,199 67.96% $7,326 3.22% 0.43% 2.79% 16.96% 14.47% PremierOne Credit Union $494,985 $295,073 $445,459 66.24% $6,346 3.26% 0.37% 2.89% 20.48% 22.28%

Average of Asset Group B $360,047 $199,185 $312,759 64.04% $5,975 3.17% 0.30% 2.87% 18.60% 18.17%

Asset Group C - $501 million to $1 billion in total assets

SafeAmerica Credit Union $500,028 $395,620 $456,634 86.64% $7,247 3.66% 0.76% 2.90% 8.03% 7.58% UNCLE Credit Union $552,443 $456,653 $478,416 95.45% $5,695 3.68% 0.24% 3.45% 19.70% 18.01% Sacramento Credit Union $580,550 $300,308 $485,326 61.88% $5,664 2.76% 0.33% 2.44% 21.78% 20.62% Financial Center Credit Union $592,294 $136,294 $470,716 28.95% $6,545 NA NA NA 18.86% 22.53% Commonwealth Central Credit Union $596,667 $405,496 $537,856 75.39% $5,525 3.36% 0.23% 3.13% 16.77% 19.92% Excite Credit Union $602,967 $431,429 $540,236 79.86% $5,025 3.47% 0.54% 2.93% 23.13% 26.59% Merced School Employees Federal Credit Union $627,042 $226,762 $557,610 40.67% $5,161 2.66% 0.24% 2.42% 24.47% 25.19% Community First Credit Union $640,836 $461,598 $565,278 81.66% $4,121 3.94% 0.40% 3.54% 23.16% 22.13% Valley First Credit Union $722,116 $476,888 $643,717 74.08% $5,349 3.50% 0.19% 3.32% 28.99% 34.30% 1st Northern California Credit Union $808,965 $269,915 $722,962 37.33% $10,112 2.18% 0.51% 1.67% 14.79% 16.29% Santa Clara County Federal Credit Union $901,596 $469,337 $777,541 60.36% $7,451 3.09% 0.32% 2.77% 15.61% 21.77% Noble Federal Credit Union $917,082 $594,218 $803,789 73.93% $4,691 3.82% 0.41% 3.41% 23.99% 24.84%

Average of Asset Group C $670,216 $385,377 $586,673 66.35% $6,049 3.28% 0.38% 2.91% 19.94% 21.65%

Source: SNL Financial

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. BS & NIM Data-N Page 12 of 49 Balance Sheet & Net Interest Margin September 30, 2020 Run Date: November 17, 2020

As of Date Year to Date

Asset Group D - $1 billion and over in total assets

Police Credit Union of California $1,058,990 $614,017 $903,023 68.00% $8,540 2.97% 0.45% 2.52% 17.06% 17.84% San Francisco Federal Credit Union $1,237,646 $743,500 $1,124,023 66.15% $12,501 2.81% 0.51% 2.30% 15.40% 20.40% Sierra Central Credit Union $1,246,028 $822,955 $1,102,211 74.66% $6,261 3.68% 0.56% 3.13% 12.55% 13.29% 1st United Services Credit Union $1,277,360 $804,676 $1,156,427 69.58% $8,544 3.08% 0.93% 2.15% 18.50% 20.17% Operating Engineers Local Union #3 Federal Credit Union $1,277,653 $817,531 $1,042,639 78.41% $6,637 3.72% 0.53% 3.19% 10.87% 12.96% Pacific Service Credit Union $1,282,725 $827,424 $1,084,413 76.30% $9,329 3.16% 0.49% 2.67% 13.23% 14.68% Bay Federal Credit Union $1,337,373 $745,268 $1,203,610 61.92% $5,957 2.99% 0.23% 2.76% 28.25% 29.46% San Mateo Credit Union $1,383,041 $1,013,904 $1,228,591 82.53% $6,780 3.42% 0.46% 2.96% 25.34% 27.00% KeyPoint Credit Union $1,445,273 $1,027,844 $1,171,825 87.71% $8,235 3.01% 0.50% 2.51% 15.46% 16.15% Self-Help Federal Credit Union $1,503,320 $1,188,735 $1,172,161 101.41% $4,780 4.61% 1.26% 3.35% 32.93% 40.23% San Francisco Fire Credit Union $1,578,208 $1,031,358 $1,430,826 72.08% $8,073 3.25% 0.34% 2.91% 17.13% 18.39% Meriwest Credit Union $1,864,766 $1,437,542 $1,500,623 95.80% $8,362 3.27% 0.76% 2.51% 14.79% 17.32% Coast Central Credit Union $1,875,785 $751,455 $1,556,013 48.29% $7,816 2.56% 0.85% 1.71% 25.25% 24.63% Provident Credit Union $3,224,323 $1,975,323 $2,854,622 69.20% $9,346 2.79% 0.71% 2.08% 20.44% 21.91% Stanford Federal Credit Union $3,348,228 $2,088,879 $2,649,612 78.84% $15,906 2.96% 0.87% 2.10% 18.40% 19.92% Technology Credit Union $3,511,583 $2,560,589 $3,106,337 82.43% $14,160 3.67% 0.77% 2.90% 20.40% 19.68% SAFE Credit Union $3,688,879 $2,465,375 $3,300,189 74.70% $5,236 2.99% 0.56% 2.43% 25.43% 29.60% Educational Employees Credit Union $3,849,072 $1,619,684 $3,330,336 48.63% $7,374 2.72% 0.45% 2.27% 26.35% 28.79% Travis Credit Union $4,087,796 $3,063,572 $3,514,825 87.16% $5,681 3.71% 0.54% 3.17% 28.64% 26.61% Chevron Federal Credit Union $4,096,410 $3,060,324 $3,501,546 87.40% $13,723 7.11% 1.12% 5.99% 19.43% 14.79% Redwood Credit Union $5,950,018 $4,340,274 $5,232,586 82.95% $9,147 3.36% 0.53% 2.82% 25.68% 28.07% Patelco Credit Union $8,130,917 $5,350,763 $6,920,489 77.32% $11,192 2.89% 0.96% 1.92% 15.37% 17.18% Star One Credit Union $9,975,318 $4,600,251 $8,383,614 54.87% $46,723 2.39% 1.10% 1.28% 13.25% 16.35% First Technology Federal Credit Union $14,404,660 $8,987,548 $10,724,793 83.80% $9,172 3.39% 0.88% 2.51% 13.16% 16.46% Golden 1 Credit Union $15,567,121 $9,063,332 $13,703,512 66.14% $8,016 2.90% 0.48% 2.42% 26.40% 27.82%

Average of Asset Group D $3,928,100 $2,440,085 $3,315,954 75.05% $10,300 3.34% 0.67% 2.66% 19.99% 21.59%

Source: SNL Financial

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. BS & NIM Data-N Page 13 of 49 Asset Quality Asset Quality September 30, 2020 Run Date: November 17, 2020

Summary Trends of Historical Asset Group Averages: Non-Performing Loans/Loans, Reserves/Loans & Delinquent Loans/Total Assets

Asset Group A ‐ $50 to $250 million in Total Assets Asset Group B ‐ $251 to $500 million in Total Assets As of Date As of Date 1.00% 0.90%

0.90% 0.80% 0.80% 0.70% 0.70% 0.60% 0.60% 0.50% 0.50% 0.40% 0.40% 0.30% 0.30%

0.20% 0.20%

0.10% 0.10%

0.00% 0.00% 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 NPLs/Loans 0.47% 0.48% 0.49% 0.53% 0.52% 0.51% 0.47% 0.51% 0.36% 0.42% NPLs/Loans 0.36% 0.41% 0.41% 0.26% 0.32% 0.30% 0.33% 0.31% 0.24% 0.17% Reserves/Loans 0.89% 0.89% 0.87% 0.85% 0.86% 0.87% 0.85% 0.85% 0.88% 0.85% Reserves/Loans 0.59% 0.68% 0.72% 0.60% 0.60% 0.60% 0.58% 0.68% 0.80% 0.84% Delinquent Loans/Assets 0.28% 0.29% 0.31% 0.33% 0.32% 0.31% 0.28% 0.30% 0.20% 0.23% Delinquent Loans/Assets 0.26% 0.29% 0.28% 0.19% 0.24% 0.22% 0.23% 0.21% 0.14% 0.09%

Asset Group C ‐ $501 to $1 billion in Total Assets Asset Group D ‐ $1 billion and Over in Total Assets As of Date As of Date 1.20% 1.20%

1.00% 1.00%

0.80% 0.80%

0.60% 0.60%

0.40% 0.40%

0.20% 0.20%

0.00% 0.00% 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 NPLs/Loans 0.37% 0.46% 0.49% 0.47% 0.46% 0.53% 0.64% 0.56% 0.43% 0.37% NPLs/Loans 0.27% 0.30% 0.33% 0.28% 0.34% 0.34% 0.37% 0.34% 0.37% 0.40% Reserves/Loans 0.91% 0.84% 0.83% 0.96% 0.93% 0.91% 0.88% 0.90% 0.85% 0.90% Reserves/Loans 0.70% 0.70% 0.74% 0.73% 0.73% 0.72% 0.73% 0.76% 0.83% 0.99% Delinquent Loans/Assets 0.22% 0.31% 0.35% 0.31% 0.31% 0.36% 0.45% 0.38% 0.29% 0.24% Delinquent Loans/Assets 0.19% 0.21% 0.24% 0.20% 0.25% 0.25% 0.27% 0.24% 0.25% 0.26%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Asset Quality Graph-N Page 15 of 49 Asset Quality September 30, 2020 Run Date: November 17, 2020

As of Date Loan Loss Delinquent Loans Reserves / Gross Reserves / NPLs NPAs / Equity + Delinquent Loans/ Total Assets ($000) => 2 months ($000) NPLs / Loans (%) Loans (%) (%) LLRs (%) Assets (%) Region Institution Name

Asset Group A - $50 to $250 million in total assets

Mokelumne Federal Credit Union $55,656 $86 0.35% 0.75% 211.63% 1.16% 0.15% Valley Oak Credit Union $60,725 $99 0.27% 1.03% 384.85% 1.89% 0.16% Menlo Survey Federal Credit Union $69,674 $1 0.00% 0.14% NM 0.01% 0.00% Chabot Federal Credit Union $69,999 $0 0.00% 0.36% NA 0.00% 0.00% California Community Credit Union $73,298 $45 0.18% 1.91% NM 0.50% 0.06% Polam Federal Credit Union $81,583 $113 0.22% 0.84% 383.19% 1.09% 0.14% Marin County Federal Credit Union $82,406 $36 0.17% 0.71% 422.22% 0.38% 0.04% Kaiperm Federal Credit Union $82,868 $55 0.09% 0.67% 718.18% 0.58% 0.07% Bay Cities Credit Union $83,061 $100 0.43% 0.94% 219.00% 1.34% 0.12% Upward Credit Union $90,177 $486 1.10% 0.22% 19.55% 5.50% 0.54% Siskiyou Central Credit Union $90,395 $382 0.60% 0.80% 132.98% 5.40% 0.42% North Bay Credit Union $92,097 $12 0.02% 0.33% NM 0.15% 0.01% Lassen County Federal Credit Union $92,482 $23 0.06% 0.28% 482.61% 0.17% 0.02% Shell Western States Federal Credit Union $94,865 $570 1.09% 0.27% 24.91% 6.05% 0.60% First California Federal Credit Union $101,889 $68 0.16% 1.26% 805.88% 1.25% 0.07% Vision One Credit Union $105,279 $0 0.00% 1.83% NA 0.00% 0.00% SMW 104 Federal Credit Union $105,995 $132 0.45% 0.30% 65.91% 1.47% 0.12% Tulare County Federal Credit Union $116,275 $266 0.36% 0.44% 122.56% 3.37% 0.23% United Local Credit Union $121,162 $96 0.14% 1.43% NM 0.73% 0.08% Mission City Federal Credit Union $127,091 $50 0.07% 0.18% 274.00% 0.52% 0.04% Cooperative Center Federal Credit Union $130,187 $996 1.51% 0.72% 47.99% 12.75% 0.77% SRI Federal Credit Union $138,543 $95 0.08% 0.16% 198.95% 0.87% 0.07% Kings Federal Credit Union $138,931 $74 0.11% 1.16% NM 0.44% 0.05% Merco Credit Union $143,189 $142 0.20% 0.98% 483.10% 1.18% 0.10% San Joaquin Power Employees Credit Union $145,746 $5 0.00% 1.00% NM 0.02% 0.00% Vocality Community Credit Union $148,176 $2,627 2.49% 0.51% 20.37% 17.65% 1.77% Compass Community Credit Union $163,031 $69 0.07% 0.29% 414.49% 0.33% 0.04% Santa Cruz Community Credit Union $166,046 $1,036 0.86% 0.86% 100.10% 8.44% 0.62% Solano First Federal Credit Union $167,094 $659 0.87% 2.42% 278.00% 12.77% 0.39% Central Coast Federal Credit Union $173,453 $277 0.36% 0.75% 205.78% 1.91% 0.16% Premier Community Credit Union $181,143 $78 0.10% 1.49% NM 0.71% 0.04% Families & Schools Together Federal Credit Union $217,603 $121 0.08% 1.20% NM 0.42% 0.06% Central State Credit Union $223,533 $953 1.19% 1.93% 161.70% 5.09% 0.43% Heritage Community Credit Union $234,151 $1,217 0.77% 1.42% 184.31% 6.30% 0.52% Pacific Postal Credit Union $238,131 $500 0.64% 0.79% 123.00% 1.36% 0.21% C.A.H.P. Credit Union $243,369 $48 0.02% 0.38% NM 0.22% 0.02%

Average of Asset Group A $129,147 $320 0.42% 0.85% 259.41% 2.83% 0.23%

Source: SNL Financial

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Asset Quality Data-N Page 16 of 49 Asset Quality September 30, 2020 Run Date: November 17, 2020

Asset Group B - $251 to $500 million in total assets

Members 1st Credit Union $264,797 $309 0.15% 0.40% 267.31% 1.71% 0.12% Tucoemas Federal Credit Union $277,729 $661 0.48% 1.80% 378.21% 3.81% 0.24% Monterey Credit Union $284,906 $262 0.18% 1.44% 780.92% 0.93% 0.09% Yolo Federal Credit Union $347,740 $218 0.09% 0.65% 727.52% 0.70% 0.06% MOCSE Federal Credit Union $354,208 $249 0.19% 0.89% 461.85% 0.82% 0.07% Sea West Coast Guard Federal Credit Union $394,485 $85 0.05% 0.34% 687.06% 0.11% 0.02% First U.S. Community Credit Union $461,525 $443 0.16% 0.81% 495.26% 1.07% 0.10% PremierOne Credit Union $494,985 $265 0.09% 0.42% 467.17% 0.70% 0.05%

Average of Asset Group B $360,047 $312 0.17% 0.84% 533.16% 1.23% 0.09%

Asset Group C - $501 million to $1 billion in total assets

SafeAmerica Credit Union $500,028 $2,706 0.68% 0.52% 76.24% 6.83% 0.54% UNCLE Credit Union $552,443 $1,675 0.37% 0.59% 161.37% 3.58% 0.30% Sacramento Credit Union $580,550 $534 0.18% 0.75% 423.78% 0.71% 0.09% Financial Center Credit Union $592,294 $467 0.34% 1.83% 533.83% 0.41% 0.08% Commonwealth Central Credit Union $596,667 $687 0.17% 0.83% 490.25% 1.45% 0.12% Excite Credit Union $602,967 $1,364 0.32% 0.77% 242.67% 3.15% 0.23% Merced School Employees Federal Credit Union $627,042 $407 0.18% 1.03% 574.20% 0.72% 0.06% Community First Credit Union $640,836 $4,396 0.95% 0.83% 86.74% 8.27% 0.69% Valley First Credit Union $722,116 $1,101 0.23% 0.74% 319.16% 1.59% 0.15% 1st Northern California Credit Union $808,965 $309 0.11% 0.55% 478.96% 0.38% 0.04% Santa Clara County Federal Credit Union $901,596 $2,786 0.59% 0.66% 111.49% 3.43% 0.31% Noble Federal Credit Union $917,082 $1,930 0.32% 1.64% 503.42% 2.35% 0.21%

Average of Asset Group C $670,216 $1,530 0.37% 0.90% 333.51% 2.74% 0.24%

Source: SNL Financial

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Asset Quality Data-N Page 17 of 49 Asset Quality September 30, 2020 Run Date: November 17, 2020

Asset Group D - $1 billion and over in total assets

Police Credit Union of California $1,058,990 $7,551 1.23% 1.45% 118.17% 5.18% 0.71% San Francisco Federal Credit Union $1,237,646 $16,495 2.22% 5.35% 240.99% 12.13% 1.33% Sierra Central Credit Union $1,246,028 $2,193 0.27% 0.86% 323.62% 1.89% 0.18% 1st United Services Credit Union $1,277,360 $971 0.12% 0.31% 254.89% 1.14% 0.08% Operating Engineers Local Union #3 Federal Credit Union $1,277,653 $2,697 0.33% 1.50% 453.39% 1.50% 0.21% Pacific Service Credit Union $1,282,725 $617 0.07% 0.29% 386.22% 0.34% 0.05% Bay Federal Credit Union $1,337,373 $1,545 0.21% 0.73% 353.01% 1.40% 0.12% San Mateo Credit Union $1,383,041 $3,479 0.34% 0.71% 207.90% 2.39% 0.25% KeyPoint Credit Union $1,445,273 $4,478 0.44% 0.39% 89.21% 3.93% 0.31% Self-Help Federal Credit Union $1,503,320 $9,131 0.77% 1.72% 223.78% 11.39% 0.61% San Francisco Fire Credit Union $1,578,208 $9,976 0.97% 0.54% 55.69% 7.18% 0.63% Meriwest Credit Union $1,864,766 $2,656 0.18% 0.62% 332.91% 2.10% 0.14% Coast Central Credit Union $1,875,785 $1,897 0.25% 0.90% 356.67% 0.94% 0.10% Provident Credit Union $3,224,323 $1,766 0.09% 0.50% 562.97% 0.58% 0.05% Stanford Federal Credit Union $3,348,228 $595 0.03% 0.87% NM 0.18% 0.02% Technology Credit Union $3,511,583 $6,179 0.24% 0.99% 411.23% 1.63% 0.18% SAFE Credit Union $3,688,879 $9,344 0.38% 0.87% 230.83% 2.93% 0.25% Educational Employees Credit Union $3,849,072 $1,771 0.11% 0.72% 661.49% 0.46% 0.05% Travis Credit Union $4,087,796 $12,043 0.39% 1.04% 264.68% 2.87% 0.29% Chevron Federal Credit Union $4,096,410 $6,753 0.22% 0.45% 204.09% 1.26% 0.16% Redwood Credit Union $5,950,018 $15,876 0.37% 1.05% 288.15% 2.22% 0.27% Patelco Credit Union $8,130,917 $13,210 0.25% 0.89% 359.17% 1.60% 0.16% Star One Credit Union $9,975,318 $1,832 0.04% 0.18% 460.21% 0.15% 0.02% First Technology Federal Credit Union $14,404,660 $22,471 0.25% 0.74% 294.54% 1.53% 0.16% Golden 1 Credit Union $15,567,121 $27,452 0.30% 1.11% 365.26% 1.68% 0.18%

Average of Asset Group D $3,928,100 $7,319 0.40% 0.99% 312.46% 2.74% 0.26%

Source: SNL Financial

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Asset Quality Data-N Page 18 of 49 Net Worth Net Worth September 30, 2020 Run Date: November 17, 2020

Summary Trends of Historical Asset Group Averages: Delinquent Loans/Net Worth & Classified Assets/Net Worth

Asset Group A ‐ $50 to $250 million in Total Assets Asset Group B ‐ $251 to $500 million in Total Assets As of Date As of Date 6.00% 5.00%

4.50% 5.00% 4.00%

3.50% 4.00% 3.00%

3.00% 2.50%

2.00% 2.00% 1.50%

1.00% 1.00% 0.50%

0.00% 0.00% 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 6/1/2018 7/1/2018 8/1/2018 9/1/2018 6/1/2018 7/1/2018 8/1/2018 9/1/2018 10/1/2019 11/1/2019 12/1/2019 10/1/2019 11/1/2019 12/1/2019 10/1/2018 11/1/2018 12/1/2018 10/1/2018 11/1/2018 12/1/2018 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 Delinquent Loans/Net Worth 3.22% 3.21% 3.62% 3.76% 3.51% 3.41% 2.98% 3.16% 2.22% 2.63% Delinquent Loans/Net Worth 2.94% 3.14% 2.92% 2.07% 2.53% 2.11% 2.28% 2.12% 1.41% 0.99% Classified Asets/Net Worth 5.63% 5.58% 5.38% 5.22% 5.25% 5.17% 5.03% 4.88% 4.91% 4.78% Classified Assets/Net Worth 4.06% 3.88% 4.02% 3.91% 3.94% 3.69% 3.37% 3.90% 4.31% 4.46%

Asset Group C ‐ $501 to $1 billion in Total Assets Asset Group D ‐ $1 billion and Over in Total Assets As of Date As of Date 6.00% 7.00%

6.00% 5.00%

5.00% 4.00%

4.00% 3.00% 3.00%

2.00% 2.00%

1.00% 1.00%

0.00% 0.00% 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 Delinquent Loans/Net Worth 2.02% 2.74% 3.08% 2.88% 2.93% 3.31% 4.16% 3.52% 3.24% 2.62% Delinquent Loans/Net Worth 1.83% 2.03% 2.25% 1.92% 2.29% 2.27% 2.47% 2.26% 2.37% 2.70% Classified Assets/Net Worth 4.70% 5.10% 5.04% 5.00% 4.87% 4.71% 4.71% 4.70% 4.89% 5.04% Classified Assets/Net Worth 4.57% 4.59% 4.82% 4.73% 4.68% 4.59% 4.63% 4.74% 5.11% 6.46%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Net Worth Graph-N Page 20 of 49 Net Worth September 30, 2020 Run Date: November 17, 2020

Summary Trends of Historical Asset Group Averages: Net Worth/Assets & Net Worth Growth (Decline) - YTD

Asset Group A ‐ $50 to $250 million in Total Assets Asset Group B ‐ $251 to $500 million in Total Assets As of Date As of Date 12.00% 14.00%

10.00% 12.00%

10.00% 8.00%

8.00% 6.00% 6.00%

4.00% 4.00%

2.00% 2.00%

0.00% 0.00% 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 6/1/2018 7/1/2018 8/1/2018 9/1/2018 6/1/2018 7/1/2018 8/1/2018 9/1/2018 10/1/2019 11/1/2019 12/1/2019 10/1/2019 11/1/2019 12/1/2019 10/1/2018 11/1/2018 12/1/2018 10/1/2018 11/1/2018 12/1/2018 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 Net Worth/Assets 10.69% 10.82% 11.02% 10.99% 11.17% 11.21% 11.41% 11.20% 10.59% 10.37% Net Worth/Assets 10.75% 11.74% 11.90% 11.30% 11.58% 12.03% 12.18% 11.91% 11.19% 11.07% Net Worth Growth 4.20% 5.23% 5.70% 5.74% 6.27% 6.15% 7.78% 3.80% 3.41% 3.67% Net Worth Growth 10.14% 9.41% 9.93% 7.62% 7.98% 13.27% 8.88% 2.48% 3.83% 4.71%

Asset Group C ‐ $501 to $1 billion in Total Assets Asset Group D ‐ $1 billion and Over in Total Assets As of Date As of Date 14.00% 14.00%

12.00% 12.00%

10.00% 10.00%

8.00% 8.00%

6.00% 6.00%

4.00% 4.00%

2.00% 2.00%

0.00% 0.00% 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 Net Worth/Assets 11.48% 10.79% 10.88% 11.62% 11.88% 11.96% 11.77% 11.81% 10.30% 10.22% Net Worth/Assets 10.93% 11.20% 11.28% 11.11% 11.40% 11.44% 11.43% 11.13% 10.73% 10.42% Net Worth Growth 6.66% 6.39% 5.77% 8.38% 7.74% 7.80% 9.69% 3.60% 3.23% 4.74% Net Worth Growth 10.53% 11.27% 10.48% 8.69% 9.09% 9.15% 8.46% 4.71% 7.27% 5.86%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Net Worth Graph-N Page 21 of 49 Net Worth September 30, 2020 Run Date: November 17, 2020

As of Date Net Worth Total Net Worth Net Worth/ Growth (Decline) - Total Delinquent Classified Assets/ Total Assets ($000) ($000) Assets (%) YTD (%) Lns/ Net Worth (%) Net Worth (%) Region Institution Name

Asset Group A - $50 to $250 million in total assets

Mokelumne Federal Credit Union $55,656 $7,215 12.96% 1.16% 1.19% 2.52% Valley Oak Credit Union $60,725 $4,867 8.01% (1.33%) 2.03% 7.83% Menlo Survey Federal Credit Union $69,674 $9,586 13.76% 4.25% 0.01% 0.42% Chabot Federal Credit Union $69,999 $10,896 15.57% 0.81% 0.00% 0.70% California Community Credit Union $73,298 $8,543 11.66% 0.44% 0.53% 5.68% Polam Federal Credit Union $81,583 $10,045 12.31% 3.53% 1.12% 4.31% Marin County Federal Credit Union $82,406 $8,629 10.47% 5.74% 0.42% 1.76% Kaiperm Federal Credit Union $82,868 $9,136 11.02% (1.07%) 0.60% 4.32% Bay Cities Credit Union $83,061 $7,254 8.73% 2.05% 1.38% 3.02% Upward Credit Union $90,177 $8,747 9.70% 3.47% 5.56% 1.09% Siskiyou Central Credit Union $90,395 $8,586 9.50% 9.82% 4.45% 5.92% North Bay Credit Union $92,097 $8,133 8.83% 29.22% 0.15% 2.55% Lassen County Federal Credit Union $92,482 $12,980 14.04% 2.28% 0.18% 0.86% Shell Western States Federal Credit Union $94,865 $9,204 9.70% 2.04% 6.19% 1.54% First California Federal Credit Union $101,889 $8,398 8.24% (6.65%) 0.81% 6.53% Vision One Credit Union $105,279 $12,568 11.94% 7.07% 0.00% 11.50% SMW 104 Federal Credit Union $105,995 $8,923 8.42% 4.57% 1.48% 0.98% Tulare County Federal Credit Union $116,275 $7,834 6.74% 0.19% 3.40% 4.16% United Local Credit Union $121,162 $19,839 16.37% 1.36% 0.48% 4.98% Mission City Federal Credit Union $127,091 $9,498 7.47% 2.71% 0.53% 1.44% Cooperative Center Federal Credit Union $130,187 $8,706 6.69% (18.65%) 11.44% 5.49% SRI Federal Credit Union $138,543 $10,590 7.64% 12.11% 0.90% 1.78% Kings Federal Credit Union $138,931 $19,108 13.75% 1.97% 0.39% 4.24% Merco Credit Union $143,189 $12,336 8.62% 3.04% 1.15% 5.56% San Joaquin Power Employees Credit Union $145,746 $24,307 16.68% 2.75% 0.02% 4.15% Vocality Community Credit Union $148,176 $14,936 10.08% 8.45% 17.59% 3.58% Compass Community Credit Union $163,031 $20,280 12.44% (0.95%) 0.34% 1.41% Santa Cruz Community Credit Union $166,046 $11,891 7.16% 14.41% 8.71% 8.72% Solano First Federal Credit Union $167,094 $8,200 4.91% 0.80% 8.04% 22.34% Central Coast Federal Credit Union $173,453 $13,571 7.82% 4.96% 2.04% 4.20% Premier Community Credit Union $181,143 $15,586 8.60% 0.31% 0.50% 7.44% Families & Schools Together Federal Credit Union $217,603 $26,691 12.27% 16.00% 0.45% 6.80% Central State Credit Union $223,533 $18,881 8.45% 7.04% 5.05% 8.16% Heritage Community Credit Union $234,151 $20,604 8.80% 0.22% 5.91% 10.89% Pacific Postal Credit Union $238,131 $36,595 15.37% 2.46% 1.37% 1.68% C.A.H.P. Credit Union $243,369 $20,661 8.49% 5.52% 0.23% 3.68%

Average of Asset Group A $129,147 $13,162 10.37% 3.67% 2.63% 4.78%

Source: SNL Financial

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Net Worth Data-N Page 22 of 49 Net Worth September 30, 2020 Run Date: November 17, 2020

Asset Group B - $251 to $500 million in total assets

Members 1st Credit Union $264,797 $22,499 8.50% 8.65% 1.37% 3.67% Tucoemas Federal Credit Union $277,729 $23,245 8.37% 7.35% 2.84% 10.76% Monterey Credit Union $284,906 $36,414 12.78% 1.17% 0.72% 5.62% Yolo Federal Credit Union $347,740 $40,618 11.68% 6.74% 0.54% 3.90% MOCSE Federal Credit Union $354,208 $29,642 8.37% 3.09% 0.84% 3.88% Sea West Coast Guard Federal Credit Union $394,485 $73,602 18.66% 0.87% 0.12% 0.79% First U.S. Community Credit Union $461,525 $51,134 11.08% 7.37% 0.87% 4.29% PremierOne Credit Union $494,985 $45,073 9.11% 2.43% 0.59% 2.75%

Average of Asset Group B $360,047 $40,278 11.07% 4.71% 0.99% 4.46%

Asset Group C - $501 million to $1 billion in total assets

SafeAmerica Credit Union $500,028 $41,552 8.31% 6.19% 6.51% 4.96% UNCLE Credit Union $552,443 $49,807 9.02% 9.02% 3.36% 5.43% Sacramento Credit Union $580,550 $81,257 14.00% 8.89% 0.66% 2.78% Financial Center Credit Union $592,294 $101,945 17.21% (1.28%) 0.46% 2.45% Commonwealth Central Credit Union $596,667 $55,349 9.28% 0.72% 1.24% 6.09% Excite Credit Union $602,967 $50,307 8.34% (0.26%) 2.71% 6.58% Merced School Employees Federal Credit Union $627,042 $62,541 9.97% 5.87% 0.65% 3.74% Community First Credit Union $640,836 $54,026 8.43% 11.14% 8.14% 7.06% Valley First Credit Union $722,116 $69,696 9.65% 8.07% 1.58% 5.04% 1st Northern California Credit Union $808,965 $80,130 9.91% 2.53% 0.39% 1.85% Santa Clara County Federal Credit Union $901,596 $74,310 8.24% 2.97% 3.75% 4.18% Noble Federal Credit Union $917,082 $94,521 10.31% 2.96% 2.04% 10.28%

Average of Asset Group C $670,216 $67,953 10.22% 4.74% 2.62% 5.04%

Source: SNL Financial

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Net Worth Data-N Page 23 of 49 Net Worth September 30, 2020 Run Date: November 17, 2020

Asset Group D - $1 billion and over in total assets

Police Credit Union of California $1,058,990 $134,717 12.72% (0.65%) 5.61% 6.62% San Francisco Federal Credit Union $1,237,646 $94,374 7.63% (32.70%) 17.48% 42.12% Sierra Central Credit Union $1,246,028 $131,993 10.59% 7.57% 1.66% 5.38% 1st United Services Credit Union $1,277,360 $114,221 8.94% 0.81% 0.85% 2.17% Operating Engineers Local Union #3 Federal Credit Union $1,277,653 $182,728 14.30% 3.24% 1.48% 6.69% Pacific Service Credit Union $1,282,725 $178,166 13.89% 2.98% 0.35% 1.34% Bay Federal Credit Union $1,337,373 $107,982 8.07% 8.09% 1.43% 5.05% San Mateo Credit Union $1,383,041 $144,661 10.46% 9.32% 2.40% 5.00% KeyPoint Credit Union $1,445,273 $110,271 7.63% 2.12% 4.06% 3.62% Self-Help Federal Credit Union $1,503,320 $205,997 13.70% 8.60% 4.43% 9.92% San Francisco Fire Credit Union $1,578,208 $130,891 8.29% 2.58% 7.62% 4.24% Meriwest Credit Union $1,864,766 $163,135 8.75% 5.29% 1.63% 5.42% Coast Central Credit Union $1,875,785 $192,653 10.27% 5.07% 0.98% 3.51% Provident Credit Union $3,224,323 $328,841 10.20% 4.65% 0.54% 3.02% Stanford Federal Credit Union $3,348,228 $304,512 9.09% 9.03% 0.20% 5.97% Technology Credit Union $3,511,583 $348,126 9.91% 9.83% 1.77% 7.30% SAFE Credit Union $3,688,879 $324,145 8.79% 5.86% 2.88% 6.65% Educational Employees Credit Union $3,849,072 $449,681 11.68% 5.16% 0.39% 2.61% Travis Credit Union $4,087,796 $415,554 10.17% 6.27% 2.90% 7.67% Chevron Federal Credit Union $4,096,410 $531,198 12.97% 46.13% 1.27% 2.59% Redwood Credit Union $5,950,018 $682,205 11.47% 10.61% 2.33% 6.71% Patelco Credit Union $8,130,917 $822,727 10.12% 6.61% 1.61% 5.77% Star One Credit Union $9,975,318 $1,124,993 11.28% 5.23% 0.16% 0.75% First Technology Federal Credit Union $14,404,660 $1,361,565 9.45% 10.27% 1.65% 4.86% Golden 1 Credit Union $15,567,121 $1,560,085 10.02% 4.56% 1.76% 6.43%

Average of Asset Group D $3,928,100 $405,817 10.42% 5.86% 2.70% 6.46%

Source: SNL Financial

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Net Worth Data-N Page 24 of 49 Southern California Performance Analysis Performance Analysis September 30, 2020 Run Date: November 17, 2020

Summary Trends of Historical Asset Group Averages: Return on Average Assets

Asset Group A ‐ $50 to $250 million in Total Assets Asset Group B ‐ $251 to $500 million in Total Assets Year‐to‐Date Year‐to‐Date 0.70% 0.90%

0.80% 0.60% 0.70% 0.50% 0.60%

0.40% 0.50%

0.30% 0.40%

0.30% 0.20% 0.20% 0.10% 0.10%

0.00% 0.00% 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 6/1/2018 7/1/2018 8/1/2018 9/1/2018 6/1/2018 7/1/2018 8/1/2018 9/1/2018 10/1/2019 11/1/2019 12/1/2019 10/1/2019 11/1/2019 12/1/2019 10/1/2018 11/1/2018 12/1/2018 10/1/2018 11/1/2018 12/1/2018 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 Return on Avg Assets 0.56% 0.62% 0.59% 0.57% 0.60% 0.62% 0.56% 0.38% 0.30% 0.33% Return on Avg Assets 0.79% 0.82% 0.63% 0.55% 0.65% 0.64% 0.58% 0.33% 0.30% 0.35%

Asset Group C ‐ $501 to $1 billion in Total Assets Asset Group D ‐ $1 billion and Over in Total Assets Year‐to‐Date Year‐to‐Date 0.80% 1.00%

0.90% 0.70% 0.80% 0.60% 0.70% 0.50% 0.60%

0.40% 0.50%

0.40% 0.30% 0.30% 0.20% 0.20% 0.10% 0.10%

0.00% 0.00% 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 Return on Avg Assets 0.67% 0.69% 0.68% 0.60% 0.61% 0.65% 0.56% 0.29% 0.22% 0.30% Return on Avg Assets 0.94% 0.93% 0.82% 0.88% 0.92% 0.91% 0.86% 0.52% 0.46% 0.53%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Performance Graph-S Page 27 of 49 Performance Analysis September 30, 2020 Run Date: November 17, 2020

Summary Trends of Historical Asset Group Averages: Return on Average Net Worth

Asset Group A ‐ $50 to $250 million in Total Assets Asset Group B ‐ $251 to $500 million in Total Assets Year‐to‐Date Year‐to‐Date 7.00% 9.00%

8.00% 6.00% 7.00% 5.00% 6.00%

4.00% 5.00%

3.00% 4.00%

3.00% 2.00% 2.00% 1.00% 1.00%

0.00% 0.00% 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 6/1/2018 7/1/2018 8/1/2018 9/1/2018 6/1/2018 7/1/2018 8/1/2018 9/1/2018 10/1/2019 11/1/2019 12/1/2019 10/1/2019 11/1/2019 12/1/2019 10/1/2018 11/1/2018 12/1/2018 10/1/2018 11/1/2018 12/1/2018 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 Return on Avg Net Worth 5.63% 6.13% 5.90% 5.43% 5.63% 5.85% 5.23% 3.02% 2.42% 2.60% Return on Avg Net Worth 8.19% 8.44% 6.25% 5.27% 6.27% 6.10% 5.49% 2.99% 2.77% 3.31%

Asset Group C ‐ $501 to $1 billion in Total Assets Asset Group D ‐ $1 billion and Over in Total Assets Year‐to‐Date Year‐to‐Date 8.00% 10.00%

9.00% 7.00% 8.00% 6.00% 7.00% 5.00% 6.00%

4.00% 5.00%

4.00% 3.00% 3.00% 2.00% 2.00% 1.00% 1.00%

0.00% 0.00% 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 Return on Avg Net Worth 6.55% 6.68% 6.60% 5.73% 5.90% 6.15% 5.20% 2.64% 2.03% 2.79% Return on Avg Net Worth 8.75% 8.66% 7.56% 8.09% 8.45% 8.29% 7.71% 4.40% 4.17% 4.87%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Performance Graph-S Page 28 of 49 Performance Analysis September 30, 2020 Run Date: November 17, 2020

As of Date Quarter to Date Year to Date

Asset Group A - $50 to $250 million in total assets

Huntington Beach Credit Union $56,916 $35 0.25% 2.13% 93.16% $91 $127 0.31% 2.59% 91.77% $83 Cal State L.A. Federal Credit Union $58,953 ($14) (0.10%) (0.87%) 99.65% $87 $9 0.02% 0.19% 96.82% $89 Polam Federal Credit Union $65,272 $65 0.40% 3.61% 83.29% $82 $125 0.26% 2.33% 88.52% $81 County Schools Federal Credit Union $68,091 $36 0.22% 3.45% 83.20% $67 ($94) (0.20%) (2.97%) 96.16% $68 Pacific Transportation Federal Credit Union $71,173 $83 0.47% 2.47% 87.40% $75 $341 0.69% 3.44% 82.75% $77 CalCom Federal Credit Union $71,869 $199 1.12% 8.19% 82.09% $63 $374 0.73% 5.20% 82.79% $61 North County Credit Union $72,060 $18 0.10% 1.36% 92.74% $99 $36 0.07% 0.91% 91.45% $91 JACOM Credit Union $72,598 ($44) (0.24%) (1.47%) 111.43% $100 $45 0.08% 0.52% 102.51% $98 Bopti Federal Credit Union $73,435 $206 1.13% 5.98% 59.33% $111 $509 0.94% 4.99% 61.73% $106 Bourns Employees Federal Credit Union $74,991 $284 1.53% 12.36% 69.48% $82 $343 0.66% 5.10% 79.36% $79 PostCity Financial Credit Union $76,748 $12 0.06% 0.53% 99.65% $75 $46 0.08% 0.67% 96.23% $82 Universal City Studios Credit Union $77,178 ($39) (0.20%) (2.50%) 114.30% $83 $2 0.00% 0.04% 105.84% $75 Nikkei Credit Union $78,038 $133 0.69% 5.43% 81.10% $67 $212 0.38% 2.93% 88.92% $71 Allied Healthcare Federal Credit Union $80,296 $36 0.18% 1.89% 92.66% $63 $144 0.25% 2.55% 91.15% $70 Santa Ana Federal Credit Union $84,326 $98 0.47% 4.87% 83.87% $59 $352 0.59% 5.89% 80.57% $60 Union Yes Federal Credit Union $85,263 ($21) (0.10%) (2.33%) 104.25% $106 $87 0.15% 3.23% 94.66% $110 Paradise Valley Federal Credit Union $86,722 $113 0.53% 4.98% 90.33% $69 $145 0.24% 2.14% 94.14% $71 VA Desert Pacific Federal Credit Union $87,024 $320 1.49% 7.69% 74.30% $123 $944 1.54% 7.95% 73.59% $120 Prospectors Federal Credit Union $88,542 $51 0.24% 2.16% 91.34% $80 $155 0.25% 2.22% 89.45% $80 La Loma Federal Credit Union $95,345 $178 0.75% 11.17% 85.38% $63 $434 0.64% 9.29% 84.33% $64 Glendale Federal Credit Union $100,424 ($9) (0.04%) (0.31%) 111.55% $66 $7 0.01% 0.08% 102.90% $65 Interfaith Federal Credit Union $101,888 $324 1.30% 12.11% 61.36% $57 $515 0.72% 6.62% 73.64% $59 Thinkwise Federal Credit Union $102,421 $305 1.21% 10.93% 96.99% $80 $11 0.02% 0.13% 99.34% $80 Technicolor Federal Credit Union $107,108 $348 1.33% 16.73% 81.07% $85 $1,019 1.39% 16.99% 81.48% $104 Rancho Federal Credit Union $111,642 $14 0.05% 0.72% 98.70% $83 ($85) (0.11%) (1.45%) 100.70% $84 San Diego Firefighters Federal Credit Union $120,884 $31 0.10% 1.31% 94.95% $106 $86 0.10% 1.23% 95.72% $107 California Bear Credit Union $122,478 ($917) (3.02%) (49.61%) 177.85% $97 ($1,628) (1.84%) (27.86%) 157.31% $104 South Bay Credit Union $124,001 $283 0.92% 9.31% 74.98% $82 $689 0.78% 7.68% 71.09% $79 Clearpath Federal Credit Union $127,254 $140 0.44% 4.10% 87.05% $65 $364 0.38% 3.59% 87.77% $72 East County Schools Federal Credit Union $128,912 $64 0.20% 2.28% 91.40% $103 $214 0.22% 2.55% 91.14% $108 Ontario Montclair School Employees Federal Credit Union $134,693 $220 0.66% 7.04% 73.72% $73 $469 0.49% 5.07% 79.54% $79 Sea Air Federal Credit Union $137,480 ($128) (0.38%) (1.56%) 103.76% $86 ($298) (0.29%) (1.21%) 103.19% $92 Pasadena Service Federal Credit Union $142,936 ($7) (0.02%) (0.21%) 103.06% $74 ($71) (0.07%) (0.73%) 98.16% $78 Schools Federal Credit Union $147,377 $116 0.32% 2.47% 89.98% $83 $463 0.45% 3.32% 86.92% $84 First Imperial Credit Union $151,589 $626 1.70% 18.53% 64.25% $71 $1,285 1.24% 13.15% 67.48% $76 Torrance Community Federal Credit Union $156,267 ($12) (0.03%) (0.36%) 104.43% $80 $61 0.06% 0.62% 96.16% $85 California Lithuanian Credit Union $159,568 $440 1.13% 8.02% 35.15% $99 $1,316 1.18% 8.16% 36.82% $111 Camino Federal Credit Union $162,887 $199 0.49% 5.12% 79.14% $78 $306 0.26% 2.64% 85.66% $89 E-Central Credit Union $187,589 $157 0.34% 1.97% 87.37% $97 $219 0.16% 0.92% 90.65% $104 Chaffey Federal Credit Union $188,035 $44 0.10% 1.12% 91.56% $71 $455 0.35% 4.00% 84.72% $71 Priority One Credit Union $195,586 $82 0.17% 1.71% 99.10% $79 $212 0.16% 1.48% 95.49% $80 Pasadena Federal Credit Union $199,433 ($36) (0.07%) (0.85%) 102.60% $85 ($57) (0.04%) (0.45%) 99.77% $86 Alta Vista Credit Union $202,505 $220 0.44% 5.99% 88.77% $91 $678 0.47% 6.25% 85.32% $89 Long Beach Firemen's Credit Union $212,311 $667 1.28% 6.28% 35.49% $91 $1,989 1.34% 6.34% 36.27% $94 Edwards Federal Credit Union $222,934 ($134) (0.24%) (3.31%) 107.45% $76 ($186) (0.12%) (1.52%) 100.62% $75

Average of Asset Group A $117,179 $106 0.39% 2.90% 89.35% $82 $275 0.33% 2.60% 88.46% $84

Source: SNL Financial

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Performance Data-S Page 29 of 49 Performance Analysis September 30, 2020 Run Date: November 17, 2020

As of Date Quarter to Date Year to Date

Asset Group B - $251 to $500 million in total assets

Parsons Federal Credit Union $253,722 $353 0.56% 4.72% 77.67% $121 $267 0.15% 1.20% 88.45% $120 Santa Barbara Teachers Federal Credit Union $259,169 ($49) (0.08%) (0.68%) 105.60% $92 $211 0.11% 1.01% 90.24% $91 Downey Federal Credit Union $263,104 $296 0.45% 3.87% 82.98% $93 $795 0.43% 3.54% 81.01% $90 UMe Federal Credit Union $272,644 $423 0.64% 7.00% 80.74% $96 $1,117 0.59% 6.29% 77.67% $90 Matadors Community Credit Union $291,038 $620 0.85% 8.21% 67.80% $117 $1,425 0.68% 6.39% 72.65% $115 Eagle Community Credit Union $300,416 $488 0.66% 7.21% 82.36% $80 $641 0.30% 3.20% 86.49% $80 Strata Federal Credit Union $301,537 $409 0.54% 4.49% 81.25% $81 $1,082 0.51% 3.99% 81.66% $82 Long Beach City Employees Federal Credit Union $313,487 $142 0.18% 1.72% 88.72% $105 $139 0.06% 0.56% 93.02% $107 POPA Federal Credit Union $325,328 $579 0.73% 6.93% 85.31% $98 $1,583 0.73% 6.48% 85.54% $98 SAG-AFTRA Federal Credit Union $349,200 $367 0.42% 5.28% 73.06% $76 $1,075 0.43% 5.25% 74.78% $85 I.L.W.U. Federal Credit Union $351,988 $345 0.40% 3.94% 87.15% $97 $944 0.39% 3.62% 87.51% $100 Wheelhouse Credit Union $361,409 $412 0.46% 5.58% 89.43% $88 ($325) (0.13%) (1.46%) 101.85% $93 Cabrillo Credit Union $378,347 ($245) (0.26%) (3.05%) 94.67% $82 ($264) (0.10%) (1.09%) 92.88% $93 Aerospace Federal Credit Union $403,265 $242 0.24% 2.12% 85.85% $118 $1,070 0.37% 3.20% 80.71% $116 Gain Federal Credit Union $412,887 $529 0.52% 7.10% 68.81% $87 $643 0.22% 2.90% 82.00% $90 Glendale Area Schools Credit Union $436,528 $404 0.38% 2.69% 82.30% $87 $1,342 0.44% 3.05% 71.81% $86 LA Financial Federal Credit Union $467,748 $1,016 0.88% 9.45% 78.58% $109 $2,591 0.78% 8.20% 80.13% $107

Average of Asset Group B $337,754 $372 0.45% 4.50% 83.08% $96 $843 0.35% 3.31% 84.02% $97

Asset Group C - $501 million to $1 billion in total assets

America's Christian Credit Union $510,671 $952 0.76% 8.36% 71.49% $110 $1,519 0.44% 4.51% 78.31% $110 Sun Community Federal Credit Union $566,835 $103 0.07% 0.94% 91.98% $71 $39 0.01% 0.12% 89.84% $70 CBC Federal Credit Union $570,509 $1,635 1.17% 13.90% 71.70% $100 $1,740 0.45% 5.12% 82.74% $96 SkyOne Federal Credit Union $583,429 $855 0.59% 7.43% 59.59% $117 $2,111 0.51% 6.17% 72.06% $111 Foothill Federal Credit Union $588,973 $1,757 1.22% 10.53% 63.10% $98 $3,340 0.82% 6.87% 72.11% $99 MyPoint Credit Union $594,865 $370 0.25% 3.16% 86.93% $85 $1,354 0.32% 3.90% 88.29% $85 First Financial Federal Credit Union $673,421 $1,227 0.74% 9.53% 78.94% $100 $3,204 0.67% 8.52% 76.61% $105 Evangelical Christian Credit Union $674,952 ($1,401) (0.80%) (9.53%) 136.71% $106 ($227) (0.04%) (0.52%) 97.15% $112 USC Credit Union $674,967 $165 0.10% 1.26% 81.79% $94 $592 0.12% 1.51% 82.83% $97 AltaOne Federal Credit Union $681,298 $283 0.17% 1.75% 80.43% $74 ($467) (0.10%) (0.96%) 79.81% $73 Certified Federal Credit Union $702,774 $2,307 1.34% 7.05% 63.34% $105 $5,590 1.13% 5.79% 66.94% $107 Safe 1 Credit Union $755,100 $449 0.24% 1.71% 70.77% $84 $1,598 0.30% 2.04% 71.75% $83 Christian Community Credit Union $773,879 $601 0.31% 2.59% 87.79% $109 $2,250 0.41% 3.25% 86.76% $105 First City Credit Union $809,633 $359 0.18% 1.52% 81.22% $85 $1,929 0.34% 2.80% 81.64% $91 American First Credit Union $835,604 $1,989 0.95% 9.55% 73.77% $94 $2,057 0.34% 3.35% 86.80% $92 SCE Federal Credit Union $843,062 $468 0.22% 2.39% 83.59% $91 ($248) (0.04%) (0.42%) 83.02% $93 Water and Power Community Credit Union $845,239 ($118) (0.06%) (0.69%) 97.53% $112 $206 0.03% 0.40% 91.43% $114 University Credit Union $851,074 $788 0.38% 5.22% 82.85% $117 $2,621 0.44% 5.80% 77.82% $118 Xceed Financial Federal Credit Union $934,119 $140 0.06% 0.60% 92.93% $98 ($1,689) (0.25%) (2.39%) 100.31% $97 Southland Credit Union $980,643 $1,148 0.48% 4.76% 80.29% $94 $18 0.00% 0.03% 89.88% $98

Average of Asset Group C $722,552 $704 0.42% 4.10% 81.84% $97 $1,377 0.30% 2.79% 82.81% $98

Source: SNL Financial

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Performance Data-S Page 30 of 49 Performance Analysis September 30, 2020 Run Date: November 17, 2020

As of Date Quarter to Date Year to Date

Asset Group D - $1 billion and over in total assets

Sesloc Federal Credit Union $1,006,321 $1,238 0.50% 5.51% 78.14% $102 $1,837 0.26% 2.76% 84.05% $109 Frontwave Credit Union $1,038,939 $1,531 0.60% 5.13% 79.64% $81 $2,214 0.31% 2.53% 85.48% $80 Ventura County Credit Union $1,064,441 $1,235 0.47% 5.26% 85.45% $81 $3,991 0.54% 5.78% 82.37% $86 Honda Federal Credit Union $1,067,806 $622 0.24% 2.82% 90.79% $99 $1,607 0.22% 2.44% 91.52% $98 University & State Employees Credit Union $1,134,866 $1,846 0.66% 7.04% 80.83% $100 $1,957 0.24% 2.50% 89.21% $101 Los Angeles Police Federal Credit Union $1,138,732 $2,095 0.75% 6.23% 79.16% $139 $5,650 0.71% 5.75% 75.80% $137 Los Angeles Federal Credit Union $1,139,160 $604 0.22% 1.85% 79.88% $107 $3,520 0.44% 3.63% 75.36% $106 Farmers Insurance Group Federal Credit Union $1,251,114 $2,597 0.84% 8.78% 72.42% $110 $1,756 0.20% 2.00% 74.59% $107 CoastHills Credit Union $1,332,386 $1,925 0.58% 6.66% 78.00% $89 $4,446 0.47% 5.18% 80.44% $92 Northrop Grumman Federal Credit Union $1,371,630 $975 0.29% 2.84% 83.97% $109 $1,884 0.19% 1.85% 85.39% $106 Firefighters First Federal Credit Union $1,712,159 $3,612 0.86% 10.25% 74.85% $120 $8,249 0.69% 7.97% 77.76% $120 Financial Partners Credit Union $1,725,794 $4,440 1.05% 12.44% 75.76% $110 $9,258 0.77% 8.83% 77.45% $108 LBS Financial Credit Union $1,730,712 $3,227 0.76% 6.48% 69.07% $101 $7,214 0.59% 4.79% 73.15% $99 First Entertainment Credit Union $1,784,758 ($1,553) (0.35%) (3.97%) 98.06% $111 ($1,058) (0.08%) (0.91%) 90.73% $112 Altura Credit Union $1,839,828 $5,282 1.18% 11.27% 72.11% $82 $11,031 0.88% 8.04% 73.56% $86 Arrowhead Central Credit Union $1,858,529 $80 0.02% 0.15% 95.08% $77 $7,464 0.59% 4.71% 81.54% $82 Credit Union of Southern California $1,995,519 $5,951 1.23% 11.20% 68.69% $107 $15,120 1.08% 9.71% 67.17% $106 Caltech Employees Federal Credit Union $2,001,269 $3,969 0.81% 7.88% 48.53% $129 $9,459 0.67% 6.47% 54.68% $129 F&A Federal Credit Union $2,019,005 $1,913 0.39% 2.47% 68.57% $86 $8,778 0.62% 3.87% 58.54% $90 Orange County's Credit Union $2,069,843 $3,932 0.77% 8.22% 74.49% $115 $9,066 0.63% 6.43% 78.13% $111 Partners Federal Credit Union $2,135,156 $3,866 0.73% 7.19% 72.41% $113 $5,553 0.37% 3.47% 75.60% $111 Valley Strong Credit Union $2,135,764 $4,277 0.81% 8.59% 77.90% $81 $13,135 0.88% 9.11% 76.38% $82 NuVision Federal Credit Union $2,584,488 $4,518 0.70% 6.56% 77.21% $95 $6,376 0.34% 3.13% 80.94% $95 California Coast Credit Union $3,063,904 $6,216 0.82% 7.24% 75.03% $91 $13,835 0.63% 5.45% 74.04% $86 Premier America Credit Union $3,132,802 $2,698 0.35% 3.53% 75.11% $100 $7,334 0.33% 3.22% 77.09% $101 UNIFY Financial Federal Credit Union $3,363,824 $7,294 0.88% 10.35% 61.63% $92 $11,722 0.48% 5.62% 65.92% $103 California Credit Union $3,678,452 $6,863 0.76% 7.58% 77.84% $112 $7,833 0.30% 2.92% 84.73% $115 Mission Federal Credit Union $4,481,222 $9,501 0.85% 6.90% 67.46% $105 $17,188 0.53% 4.21% 69.86% $108 Wescom Central Credit Union $4,569,795 $3,856 0.34% 4.25% 88.35% $111 $12,687 0.39% 4.85% 85.07% $108 Kinecta Federal Credit Union $5,094,737 $7,339 0.58% 7.28% 70.53% $123 $13,053 0.35% 4.39% 77.23% $122 Logix Federal Credit Union $7,588,793 $34,476 1.87% 13.27% 48.46% $110 $66,821 1.27% 8.79% 58.25% $117 San Diego County Credit Union $9,444,875 $17,080 0.73% 4.74% 63.79% $111 $48,033 0.71% 4.49% 66.88% $114 SchoolsFirst Federal Credit Union $22,597,940 $32,819 0.59% 5.63% 68.58% $105 $113,850 0.74% 6.78% 66.57% $105

Average of Asset Group D $3,156,199 $5,646 0.66% 6.41% 75.08% $103 $13,663 0.53% 4.87% 76.23% $104

Source: SNL Financial

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Performance Data-S Page 31 of 49 Balance Sheet & Net Interest Margin Balance Sheet & Net Interest Margin September 30, 2020 Run Date: November 17, 2020

Summary Trends of Historical Asset Group Averages: Yield on Avg. Assets & Net Interest Income/ Avg Assets (%)

Asset Group A ‐ $50 to $250 million in Total Assets Asset Group B ‐ $251 to $500 million in Total Assets Year‐to‐Date Year‐to‐Date 4.00% 4.00%

3.50% 3.50%

3.00% 3.00%

2.50% 2.50%

2.00% 2.00%

1.50% 1.50%

1.00% 1.00%

0.50% 0.50%

0.00% 0.00% 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 6/1/2018 7/1/2018 8/1/2018 9/1/2018 6/1/2018 7/1/2018 8/1/2018 9/1/2018 10/1/2019 11/1/2019 12/1/2019 10/1/2019 11/1/2019 12/1/2019 10/1/2018 11/1/2018 12/1/2018 10/1/2018 11/1/2018 12/1/2018 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 Yield on Avg Assets 3.29% 3.35% 3.42% 3.57% 3.59% 3.60% 3.58% 3.43% 3.27% 3.14% Yield on Avg Assets 3.33% 3.34% 3.46% 3.66% 3.69% 3.73% 3.71% 3.67% 3.28% 3.11% Net Interest Income/ Avg Assets 2.95% 3.01% 3.06% 3.11% 3.12% 3.12% 3.09% 2.94% 2.81% 2.72% Net Interest Income/ Avg Assets 2.93% 2.93% 3.04% 3.12% 3.11% 3.15% 3.10% 3.03% 2.71% 2.58%

Asset Group C ‐ $501 to $1 billion in Total Assets Asset Group D ‐ $1 billion and Over in Total Assets Year‐to‐Date Year‐to‐Date 4.50% 4.00%

4.00% 3.50%

3.50% 3.00% 3.00% 2.50% 2.50% 2.00% 2.00% 1.50% 1.50% 1.00% 1.00%

0.50% 0.50%

0.00% 0.00% 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 Yield on Avg Assets 3.66% 3.71% 3.76% 3.89% 3.91% 3.93% 3.85% 3.67% 3.45% 3.32% Yield on Avg Assets 3.37% 3.38% 3.47% 3.66% 3.68% 3.69% 3.76% 3.58% 3.45% 3.32% Net Interest Income/ Avg Assets 3.26% 3.29% 3.31% 3.34% 3.33% 3.33% 3.26% 3.08% 2.85% 2.73% Net Interest Income/ Avg Assets 2.82% 2.81% 2.87% 2.94% 2.93% 2.93% 2.97% 2.88% 2.76% 2.69%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. BS & NIM Graph-S Page 33 of 49 Balance Sheet & Net Interest Margin September 30, 2020 Run Date: November 17, 2020

Summary Trends of Historical Asset Group Averages: Asset Growth Rate & Market Growth Rate

Asset Group A ‐ $50 to $250 million in Total Assets Asset Group B ‐ $251 to $500 million in Total Assets Year‐to‐Date Year‐to‐Date 25.00% 25.00%

20.00% 20.00%

15.00% 15.00%

10.00% 10.00%

5.00% 5.00%

0.00% 0.00% 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 6/1/2018 7/1/2018 8/1/2018 9/1/2018 6/1/2018 7/1/2018 8/1/2018 9/1/2018 10/1/2019 11/1/2019 12/1/2019 10/1/2019 11/1/2019 12/1/2019 10/1/2018 11/1/2018 12/1/2018 10/1/2018 11/1/2018 12/1/2018 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 Asset Growth Rate 5.77% 3.61% 2.56% 9.77% 4.47% 2.82% 2.89% 14.24% 19.91% 17.53% Asset Growth Rate 3.96% 3.71% 2.12% 10.61% 8.12% 5.78% 6.66% 10.49% 20.32% 17.12% Market Growth Rate 6.24% 3.04% 1.37% 12.53% 5.05% 3.38% 3.11% 15.56% 19.70% 17.81% Market Growth Rate 5.30% 3.20% 2.05% 13.20% 6.44% 4.76% 5.66% 10.55% 20.29% 17.74%

Asset Group C ‐ $501 to $1 billion in Total Assets Asset Group D ‐ $1 billion and Over in Total Assets Year‐to‐Date Year‐to‐Date 25.00% 30.00%

25.00% 20.00%

20.00% 15.00%

15.00%

10.00% 10.00%

5.00% 5.00%

0.00% 0.00% 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 Asset Growth Rate 6.38% 3.88% 3.64% 12.55% 7.45% 5.68% 4.86% 13.04% 22.44% 18.33% Asset Growth Rate 8.22% 6.59% 7.25% 15.83% 9.19% 7.03% 7.06% 24.20% 25.62% 21.70% Market Growth Rate 7.22% 3.62% 2.88% 16.34% 8.51% 6.17% 5.09% 12.69% 22.82% 18.87% Market Growth Rate 7.41% 4.93% 6.30% 17.40% 8.99% 6.60% 7.74% 19.53% 26.71% 23.14%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. BS & NIM Graph-S Page 34 of 49 Balance Sheet & Net Interest Margin September 30, 2020 Run Date: November 17, 2020

As of Date Year to Date

Asset Group A - $50 to $250 million in total assets

Huntington Beach Credit Union $56,916 $10,165 $50,085 20.30% $8,131 2.21% 0.11% 2.10% 7.47% 8.05% Cal State L.A. Federal Credit Union $58,953 $38,695 $51,880 74.59% $4,535 3.73% 0.10% 3.63% 14.98% 16.73% Polam Federal Credit Union $65,272 $31,750 $57,830 54.90% $6,871 2.87% 0.88% 1.99% 3.40% 3.42% County Schools Federal Credit Union $68,091 $44,691 $63,649 70.21% $3,584 3.68% 0.49% 3.20% 22.40% 24.24% Pacific Transportation Federal Credit Union $71,173 $41,656 $56,794 73.35% $5,931 3.69% 0.19% 3.51% 39.88% 47.65% CalCom Federal Credit Union $71,869 $47,606 $61,405 77.53% $3,343 3.89% 0.31% 3.58% 15.22% 17.53% North County Credit Union $72,060 $39,417 $61,191 64.42% $6,005 2.86% 0.43% 2.43% 10.39% 0.78% JACOM Credit Union $72,598 $16,701 $59,724 27.96% $9,075 2.25% 0.16% 2.09% 4.37% 3.83% Bopti Federal Credit Union $73,435 $21,456 $59,263 36.20% $11,298 3.42% 0.90% 2.52% 3.23% 2.76% Bourns Employees Federal Credit Union $74,991 $38,693 $59,051 65.52% $4,999 2.73% 0.73% 2.00% 40.81% 35.95% PostCity Financial Credit Union $76,748 $22,890 $67,386 33.97% $5,904 2.79% 0.17% 2.62% 9.08% 9.99% Universal City Studios Credit Union $77,178 $38,579 $68,236 56.54% $5,717 2.67% 0.38% 2.29% 11.19% 10.17% Nikkei Credit Union $78,038 $35,417 $67,551 52.43% $5,574 2.99% 0.48% 2.51% 10.76% 11.06% Allied Healthcare Federal Credit Union $80,296 $52,140 $72,435 71.98% $5,353 3.51% 0.40% 3.10% 16.69% 17.99% Santa Ana Federal Credit Union $84,326 $49,228 $75,877 64.88% $7,027 2.54% 0.22% 2.32% 16.45% 18.07% Union Yes Federal Credit Union $85,263 $31,371 $77,475 40.49% $7,751 2.48% 0.28% 2.20% 27.95% 27.71% Paradise Valley Federal Credit Union $86,722 $52,607 $77,324 68.03% $5,420 3.20% 0.55% 2.65% 15.41% 17.18% VA Desert Pacific Federal Credit Union $87,024 $39,390 $68,826 57.23% $6,216 4.29% 0.32% 3.96% 16.56% 15.97% Prospectors Federal Credit Union $88,542 $53,039 $78,106 67.91% $5,903 3.29% 0.83% 2.46% 18.63% 19.63% La Loma Federal Credit Union $95,345 $46,215 $88,127 52.44% $4,145 2.84% 0.04% 2.79% 20.42% 20.71% Glendale Federal Credit Union $100,424 $50,546 $78,433 64.44% $5,285 2.79% 0.20% 2.60% 28.98% 14.54% Interfaith Federal Credit Union $101,888 $66,102 $90,170 73.31% $4,528 3.53% 0.42% 3.11% 14.82% 14.39% Thinkwise Federal Credit Union $102,421 $49,402 $85,361 57.87% $4,656 3.30% 0.61% 2.69% 23.39% 18.43% Technicolor Federal Credit Union $107,108 $50,177 $88,668 56.59% $4,372 2.94% 0.59% 2.34% 25.47% 23.55% Rancho Federal Credit Union $111,642 $56,375 $103,335 54.56% $3,917 3.03% 0.16% 2.87% 20.69% 22.83% San Diego Firefighters Federal Credit Union $120,884 $44,247 $110,047 40.21% $7,555 2.54% 0.55% 1.99% 20.76% 21.89% California Bear Credit Union $122,478 $89,317 $114,302 78.14% $5,832 3.65% 0.15% 3.50% 10.43% 12.92% South Bay Credit Union $124,001 $84,939 $110,538 76.84% $5,511 3.53% 0.24% 3.30% 22.47% 25.24% Clearpath Federal Credit Union $127,254 $84,044 $112,658 74.60% $3,439 3.67% 0.59% 3.07% 4.66% 4.87% East County Schools Federal Credit Union $128,912 $82,742 $116,632 70.94% $7,366 3.02% 0.46% 2.56% 4.43% 7.67% Ontario Montclair School Employees Federal Credit Union $134,693 $67,739 $120,268 56.32% $5,498 3.23% 0.44% 2.78% 18.30% 19.02% Sea Air Federal Credit Union $137,480 $30,780 $104,121 29.56% $7,856 2.67% 0.62% 2.05% 2.31% 2.96% Pasadena Service Federal Credit Union $142,936 $65,305 $118,585 55.07% $5,394 3.10% 0.19% 2.91% 28.85% 18.81% Schools Federal Credit Union $147,377 $75,691 $127,252 59.48% $4,466 3.39% 0.22% 3.17% 20.59% 22.51% First Imperial Credit Union $151,589 $97,196 $136,103 71.41% $3,937 4.84% 0.66% 4.19% 25.53% 30.19% Torrance Community Federal Credit Union $156,267 $39,647 $142,355 27.85% $9,471 2.14% 0.20% 1.94% 20.42% 22.65% California Lithuanian Credit Union $159,568 $84,809 $135,050 62.80% $26,595 3.07% 1.22% 1.85% 22.81% 24.16% Camino Federal Credit Union $162,887 $98,916 $145,584 67.94% $4,588 3.76% 0.21% 3.55% 13.21% 14.79% E-Central Credit Union $187,589 $124,875 $153,917 81.13% $4,937 3.37% 0.44% 2.92% 15.32% 18.18% Chaffey Federal Credit Union $188,035 $95,644 $170,565 56.07% $4,821 3.06% 0.64% 2.41% 26.60% 29.10% Priority One Credit Union $195,586 $81,269 $175,524 46.30% $4,033 2.81% 0.12% 2.68% 29.12% 32.51% Pasadena Federal Credit Union $199,433 $116,011 $181,344 63.97% $5,698 2.66% 0.53% 2.13% 15.94% 17.81% Alta Vista Credit Union $202,505 $114,849 $186,199 61.68% $6,137 3.64% 0.42% 3.21% 18.11% 18.53% Long Beach Firemen's Credit Union $212,311 $138,709 $169,424 81.87% $21,231 3.01% 0.99% 2.02% 15.83% 18.39% Edwards Federal Credit Union $222,934 $88,752 $205,356 43.22% $4,846 2.71% 0.21% 2.49% 14.47% 16.02%

Average of Asset Group A $117,179 $60,662 $102,311 58.73% $6,550 3.14% 0.42% 2.72% 17.53% 17.81%

Source: SNL Financial

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. BS & NIM Data-S Page 35 of 49 Balance Sheet & Net Interest Margin September 30, 2020 Run Date: November 17, 2020

As of Date Year to Date

Asset Group B - $251 to $500 million in total assets

Parsons Federal Credit Union $253,722 $136,366 $210,460 64.79% $11,533 2.78% 0.79% 1.99% 14.97% 9.87% Santa Barbara Teachers Federal Credit Union $259,169 $74,052 $229,499 32.27% $12,958 1.71% 0.34% 1.37% 11.35% 12.46% Downey Federal Credit Union $263,104 $108,601 $229,668 47.29% $5,720 2.99% 0.33% 2.66% 21.86% 23.70% UMe Federal Credit Union $272,644 $93,208 $247,111 37.72% $6,991 2.81% 0.36% 2.46% 19.04% 19.98% Matadors Community Credit Union $291,038 $233,418 $256,438 91.02% $6,691 4.16% 0.85% 3.31% 14.80% 15.57% Eagle Community Credit Union $300,416 $207,563 $259,349 80.03% $3,779 4.17% 0.40% 3.77% 21.20% 28.01% Strata Federal Credit Union $301,537 $172,745 $251,532 68.68% $5,244 3.58% 0.27% 3.31% 17.28% 13.33% Long Beach City Employees Federal Credit Union $313,487 $96,205 $280,032 34.36% $12,539 2.11% 0.67% 1.44% 7.07% 7.68% POPA Federal Credit Union $325,328 $201,732 $278,324 72.48% $6,379 3.53% 0.39% 3.14% 38.09% 35.70% SAG-AFTRA Federal Credit Union $349,200 $132,029 $318,275 41.48% $7,430 2.90% 0.19% 2.71% 9.04% 9.02% I.L.W.U. Federal Credit Union $351,988 $217,029 $314,562 68.99% $5,333 3.97% 0.70% 3.26% 27.42% 31.39% Wheelhouse Credit Union $361,409 $247,822 $314,116 78.90% $4,202 3.60% 0.64% 2.97% 11.60% 14.10% Cabrillo Credit Union $378,347 $208,159 $318,376 65.38% $4,531 3.49% 0.46% 3.03% 18.00% 22.92% Aerospace Federal Credit Union $403,265 $101,899 $355,667 28.65% $15,510 2.25% 0.76% 1.49% 7.38% 6.42% Gain Federal Credit Union $412,887 $226,292 $379,825 59.58% $6,072 2.94% 0.45% 2.48% 15.72% 16.63% Glendale Area Schools Credit Union $436,528 $106,655 $365,349 29.19% $18,189 2.29% 1.03% 1.26% 20.64% 18.59% LA Financial Federal Credit Union $467,748 $335,999 $414,050 81.15% $5,847 3.51% 0.23% 3.29% 15.53% 16.13%

Average of Asset Group B $337,754 $170,575 $295,449 57.76% $8,173 3.11% 0.52% 2.58% 17.12% 17.74%

Asset Group C - $501 million to $1 billion in total assets

America's Christian Credit Union $510,671 $360,152 $448,941 80.22% $5,938 3.52% 0.76% 2.76% 23.41% 26.57% Sun Community Federal Credit Union $566,835 $385,256 $511,145 75.37% $4,463 3.57% 0.65% 2.91% 32.98% 38.17% CBC Federal Credit Union $570,509 $399,484 $413,332 96.65% $5,512 3.62% 0.60% 3.01% 30.07% 15.74% SkyOne Federal Credit Union $583,429 $440,887 $485,104 90.89% $5,504 3.81% 0.72% 3.08% 19.76% 11.89% Foothill Federal Credit Union $588,973 $343,518 $502,416 68.37% $7,503 3.05% 0.60% 2.45% 25.93% 24.05% MyPoint Credit Union $594,865 $397,277 $522,397 76.05% $4,647 3.26% 0.40% 2.86% 16.93% 19.04% First Financial Federal Credit Union $673,421 $378,411 $619,192 61.11% $4,535 3.61% 0.35% 3.25% 15.23% 16.05% Evangelical Christian Credit Union $674,952 $374,473 $612,635 61.12% $6,650 2.82% 0.96% 1.86% (7.63%) (1.63%) USC Credit Union $674,967 $451,279 $613,120 73.60% $7,105 3.00% 0.49% 2.50% 18.68% 19.29% AltaOne Federal Credit Union $681,298 $402,762 $607,943 66.25% $4,557 3.81% 0.21% 3.60% 14.92% 16.41% Certified Federal Credit Union $702,774 $366,084 $561,010 65.25% $6,757 3.97% 0.62% 3.35% 18.15% 21.47% Safe 1 Credit Union $755,100 $502,781 $641,406 78.39% $5,946 2.95% 0.45% 2.50% 20.89% 24.52% Christian Community Credit Union $773,879 $565,797 $675,064 83.81% $6,531 3.37% 0.72% 2.65% 15.27% 17.28% First City Credit Union $809,633 $293,848 $711,331 41.31% $7,133 2.89% 0.27% 2.62% 20.99% 22.11% American First Credit Union $835,604 $518,631 $647,328 80.12% $6,453 3.01% 0.93% 2.08% 8.82% 15.53% SCE Federal Credit Union $843,062 $539,861 $757,883 71.23% $4,484 3.96% 0.64% 3.31% 20.92% 24.74% Water and Power Community Credit Union $845,239 $431,159 $732,635 58.85% $7,224 3.01% 0.45% 2.56% 17.56% 18.24% University Credit Union $851,074 $503,069 $767,254 65.57% $9,509 2.87% 0.41% 2.47% 20.04% 18.59% Xceed Financial Federal Credit Union $934,119 $595,110 $770,307 77.26% $5,104 3.23% 0.75% 2.41% 7.51% 9.21% Southland Credit Union $980,643 $538,284 $783,300 68.72% $6,306 2.98% 0.58% 2.40% 26.10% 20.03%

Average of Asset Group C $722,552 $439,406 $619,187 72.01% $6,093 3.32% 0.58% 2.73% 18.33% 18.87%

Source: SNL Financial

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. BS & NIM Data-S Page 36 of 49 Balance Sheet & Net Interest Margin September 30, 2020 Run Date: November 17, 2020

As of Date Year to Date

Asset Group D - $1 billion and over in total assets

Sesloc Federal Credit Union $1,006,321 $637,298 $902,858 70.59% $6,369 3.32% 0.32% 3.00% 23.80% 25.08% Frontwave Credit Union $1,038,939 $654,750 $903,208 72.49% $4,082 3.35% 0.43% 2.96% 24.54% 27.19% Ventura County Credit Union $1,064,441 $647,384 $957,267 67.63% $5,573 3.39% 0.32% 3.07% 23.56% 25.86% Honda Federal Credit Union $1,067,806 $777,659 $915,162 84.98% $5,932 3.69% 0.76% 2.93% 28.18% 28.62% University & State Employees Credit Union $1,134,866 $724,239 $979,000 73.98% $6,134 3.28% 0.39% 2.89% 14.48% 17.87% Los Angeles Police Federal Credit Union $1,138,732 $732,893 $996,700 73.53% $7,935 3.86% 0.45% 3.41% 21.56% 23.82% Los Angeles Federal Credit Union $1,139,160 $672,876 $990,423 67.94% $7,165 3.37% 0.35% 3.01% 20.10% 19.61% Farmers Insurance Group Federal Credit Union $1,251,114 $879,441 $1,013,068 86.81% $6,367 4.93% 1.18% 3.75% 32.75% 31.48% CoastHills Credit Union $1,332,386 $1,031,444 $1,140,458 90.44% $4,889 3.98% 0.87% 3.11% 14.57% 17.12% Northrop Grumman Federal Credit Union $1,371,630 $819,186 $1,215,964 67.37% $6,893 3.38% 0.82% 2.56% 19.81% 20.65% Firefighters First Federal Credit Union $1,712,159 $1,273,203 $1,553,347 81.97% $9,512 3.21% 0.83% 2.38% 20.02% 21.22% Financial Partners Credit Union $1,725,794 $1,075,537 $1,450,097 74.17% $6,087 3.19% 0.93% 2.26% 19.74% 21.87% LBS Financial Credit Union $1,730,712 $1,090,256 $1,515,686 71.93% $8,106 3.11% 0.76% 2.35% 17.04% 19.85% First Entertainment Credit Union $1,784,758 $1,144,896 $1,615,183 70.88% $6,945 3.24% 0.41% 2.82% 14.13% 15.82% Altura Credit Union $1,839,828 $1,219,186 $1,633,247 74.65% $4,842 3.71% 0.42% 3.29% 28.56% 31.38% Arrowhead Central Credit Union $1,858,529 $691,345 $1,563,537 44.22% $4,884 2.90% 0.16% 2.74% 32.78% 34.95% Credit Union of Southern California $1,995,519 $1,104,923 $1,648,075 67.04% $6,038 3.37% 0.40% 2.96% 25.04% 27.26% Caltech Employees Federal Credit Union $2,001,269 $518,383 $1,782,805 29.08% $26,332 2.40% 1.05% 1.34% 15.29% 14.35% F&A Federal Credit Union $2,019,005 $433,235 $1,631,254 26.56% $19,892 2.22% 0.96% 1.26% 20.25% 15.59% Orange County's Credit Union $2,069,843 $1,262,569 $1,809,505 69.77% $6,320 2.93% 0.59% 2.35% 23.65% 25.29% Partners Federal Credit Union $2,135,156 $1,546,129 $1,876,615 82.39% $5,786 3.77% 0.68% 3.08% 15.95% 19.34% Valley Strong Credit Union $2,135,764 $1,389,613 $1,879,120 73.95% $5,049 2.89% 0.45% 2.45% 25.11% 25.48% NuVision Federal Credit Union $2,584,488 $2,021,583 $2,233,065 90.53% $5,014 4.00% 0.68% 3.30% 12.09% 14.55% California Coast Credit Union $3,063,904 $2,080,214 $2,704,023 76.93% $5,961 3.07% 0.31% 2.76% 21.19% 23.20% Premier America Credit Union $3,132,802 $2,202,277 $2,839,097 77.57% $9,669 3.15% 1.11% 2.04% 14.12% 17.13% UNIFY Financial Federal Credit Union $3,363,824 $2,541,713 $2,782,123 91.36% $5,907 4.21% 0.68% 3.52% 13.59% 18.61% California Credit Union $3,678,452 $2,287,984 $3,150,981 72.61% $7,170 3.03% 0.41% 2.62% 20.38% 25.08% Mission Federal Credit Union $4,481,222 $2,834,231 $3,858,271 73.46% $7,931 2.82% 0.43% 2.39% 21.61% 24.66% Wescom Central Credit Union $4,569,795 $2,172,791 $3,775,328 57.55% $5,694 3.00% 0.60% 2.40% 31.77% 24.95% Kinecta Federal Credit Union $5,094,737 $3,801,927 $4,640,703 81.93% $7,667 3.47% 0.95% 2.51% 11.10% 13.21% Logix Federal Credit Union $7,588,793 $5,276,140 $6,183,723 85.32% $10,446 3.34% 0.91% 2.43% 27.41% 27.04% San Diego County Credit Union $9,444,875 $5,838,789 $7,909,231 73.82% $11,718 2.76% 0.45% 2.31% 15.40% 16.82% SchoolsFirst Federal Credit Union $22,597,940 $11,611,910 $19,661,214 59.06% $9,385 3.25% 0.85% 2.40% 46.42% 48.74%

Average of Asset Group D $3,156,199 $1,908,970 $2,718,495 71.59% $7,809 3.32% 0.63% 2.69% 21.70% 23.14%

Source: SNL Financial

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. BS & NIM Data-S Page 37 of 49 Asset Quality Asset Quality September 30, 2020 Run Date: November 17, 2020

Summary Trends of Historical Asset Group Averages: Non-Performing Loans/Loans, Reserves/Loans & Delinquent Loans/Total Assets

Asset Group A ‐ $50 to $250 million in Total Assets Asset Group B ‐ $251 to $500 million in Total Assets As of Date As of Date 1.00% 1.00%

0.90% 0.90%

0.80% 0.80%

0.70% 0.70%

0.60% 0.60%

0.50% 0.50%

0.40% 0.40%

0.30% 0.30%

0.20% 0.20%

0.10% 0.10%

0.00% 0.00% 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 NPLs/Loans 0.61% 0.67% 0.70% 0.46% 0.47% 0.52% 0.56% 0.46% 0.42% 0.43% NPLs/Loans 0.68% 0.35% 0.49% 0.43% 0.47% 0.50% 0.44% 0.26% 0.30% 0.27% Reserves/Loans 0.88% 0.87% 0.85% 0.83% 0.83% 0.81% 0.80% 0.79% 0.81% 0.76% Reserves/Loans 0.90% 0.78% 0.84% 0.85% 0.82% 0.82% 0.71% 0.74% 0.64% 0.65% Delinquent Loans/Assets 0.33% 0.36% 0.41% 0.27% 0.28% 0.31% 0.31% 0.24% 0.22% 0.23% Delinquent Loans/Assets 0.42% 0.21% 0.33% 0.28% 0.30% 0.34% 0.29% 0.16% 0.16% 0.13%

Asset Group C ‐ $501 to $1 billion in Total Assets Asset Group D ‐ $1 billion and Over in Total Assets As of Date As of Date 1.20% 0.90%

0.80% 1.00% 0.70%

0.80% 0.60%

0.50% 0.60% 0.40%

0.40% 0.30%

0.20% 0.20% 0.10%

0.00% 0.00% 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 NPLs/Loans 0.58% 0.56% 0.59% 0.44% 0.47% 0.59% 0.61% 0.53% 0.54% 0.53% NPLs/Loans 0.43% 0.37% 0.45% 0.38% 0.38% 0.40% 0.44% 0.37% 0.38% 0.42% Reserves/Loans 0.84% 0.84% 0.88% 0.85% 0.83% 0.82% 0.82% 0.88% 0.94% 1.00% Reserves/Loans 0.75% 0.72% 0.72% 0.68% 0.68% 0.68% 0.68% 0.70% 0.77% 0.81% Delinquent Loans/Assets 0.41% 0.42% 0.44% 0.32% 0.34% 0.42% 0.43% 0.36% 0.34% 0.34% Delinquent Loans/Assets 0.32% 0.28% 0.33% 0.27% 0.28% 0.30% 0.33% 0.26% 0.26% 0.28%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Asset Quality Graph-S Page 39 of 49 Asset Quality September 30, 2020 Run Date: November 17, 2020

Asset Group A - $50 to $250 million in total assets

Huntington Beach Credit Union $56,916 $190 1.87% 1.88% 100.53% 2.81% 0.33% Cal State L.A. Federal Credit Union $58,953 $61 0.16% 0.51% 326.23% 0.92% 0.10% Polam Federal Credit Union $65,272 $3 0.01% 2.07% NM 0.04% 0.00% County Schools Federal Credit Union $68,091 $1,246 2.79% 1.06% 37.88% 26.82% 1.83% Pacific Transportation Federal Credit Union $71,173 $102 0.24% 0.44% 179.41% 0.80% 0.14% CalCom Federal Credit Union $71,869 $290 0.61% 0.57% 92.76% 2.87% 0.40% North County Credit Union $72,060 $90 0.23% 0.57% 247.78% 1.72% 0.12% JACOM Credit Union $72,598 $40 0.24% 0.78% 325.00% 0.33% 0.06% Bopti Federal Credit Union $73,435 $46 0.21% 1.12% 521.74% 0.57% 0.06% Bourns Employees Federal Credit Union $74,991 $14 0.04% 0.94% NM 7.18% 0.02% PostCity Financial Credit Union $76,748 $53 0.23% 0.26% 111.32% 0.58% 0.07% Universal City Studios Credit Union $77,178 $112 0.29% 0.58% 199.11% 1.75% 0.15% Nikkei Credit Union $78,038 $45 0.13% 0.13% 100.00% 0.46% 0.06% Allied Healthcare Federal Credit Union $80,296 $107 0.21% 0.35% 169.16% 1.37% 0.13% Santa Ana Federal Credit Union $84,326 $80 0.16% 0.17% 105.00% 0.98% 0.09% Union Yes Federal Credit Union $85,263 $23 0.07% 0.12% 160.87% 0.63% 0.03% Paradise Valley Federal Credit Union $86,722 $46 0.09% 0.60% 686.96% 0.49% 0.05% VA Desert Pacific Federal Credit Union $87,024 $27 0.07% 0.34% 488.89% 0.16% 0.03% Prospectors Federal Credit Union $88,542 $9 0.02% 0.18% NM 0.09% 0.01% La Loma Federal Credit Union $95,345 $430 0.93% 0.92% 98.84% 6.44% 0.45% Glendale Federal Credit Union $100,424 $79 0.16% 0.43% 277.22% 0.66% 0.08% Interfaith Federal Credit Union $101,888 $80 0.12% 0.44% 365.00% 0.70% 0.08% Thinkwise Federal Credit Union $102,421 $1,165 2.36% 1.31% 55.71% 10.09% 1.14% Technicolor Federal Credit Union $107,108 $160 0.32% 0.53% 166.25% 1.83% 0.15% Rancho Federal Credit Union $111,642 $66 0.12% 0.33% 278.79% 0.83% 0.06% San Diego Firefighters Federal Credit Union $120,884 $37 0.08% 0.44% 529.73% 0.38% 0.03% California Bear Credit Union $122,478 $829 0.93% 0.32% 34.98% 11.48% 0.68% South Bay Credit Union $124,001 $473 0.56% 1.28% 228.96% 3.53% 0.38% Clearpath Federal Credit Union $127,254 $736 0.88% 0.57% 65.08% 5.79% 0.58% East County Schools Federal Credit Union $128,912 $428 0.52% 0.35% 67.52% 3.70% 0.33% Ontario Montclair School Employees Federal Credit Union $134,693 $103 0.15% 0.46% 300.00% 0.80% 0.08% Sea Air Federal Credit Union $137,480 $88 0.29% 1.20% 420.45% 0.28% 0.06% Pasadena Service Federal Credit Union $142,936 $75 0.11% 0.87% 756.00% 0.60% 0.05% Schools Federal Credit Union $147,377 $226 0.30% 2.75% 922.12% 1.08% 0.15% First Imperial Credit Union $151,589 $690 0.71% 2.35% 331.45% 5.62% 0.46% Torrance Community Federal Credit Union $156,267 $44 0.11% 0.83% 747.73% 0.32% 0.03% California Lithuanian Credit Union $159,568 $0 0.00% 0.69% NA 0.00% 0.00% Camino Federal Credit Union $162,887 $255 0.26% 0.98% 381.57% 1.62% 0.16% E-Central Credit Union $187,589 $1,784 1.43% 0.78% 54.32% 5.43% 0.95% Chaffey Federal Credit Union $188,035 $23 0.02% 0.37% NM 0.20% 0.01% Priority One Credit Union $195,586 $71 0.09% 0.38% 438.03% 0.41% 0.04% Pasadena Federal Credit Union $199,433 $70 0.06% 0.15% 255.71% 0.41% 0.04% Alta Vista Credit Union $202,505 $1,184 1.03% 1.08% 104.56% 7.39% 0.58% Long Beach Firemen's Credit Union $212,311 $70 0.05% 1.39% NM 0.16% 0.03% Edwards Federal Credit Union $222,934 $221 0.25% 0.48% 194.57% 1.34% 0.10%

Average of Asset Group A $117,179 $266 0.43% 0.76% 280.19% 2.70% 0.23%

Source: SNL Financial

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Asset Quality Data-S Page 40 of 49 Asset Quality September 30, 2020 Run Date: November 17, 2020

Asset Group B - $251 to $500 million in total assets

Parsons Federal Credit Union $253,722 $171 0.13% 0.33% 263.16% 0.57% 0.07% Santa Barbara Teachers Federal Credit Union $259,169 $17 0.02% 0.21% 900.00% 0.06% 0.01% Downey Federal Credit Union $263,104 $820 0.76% 0.70% 93.29% 2.60% 0.31% UMe Federal Credit Union $272,644 $638 0.68% 0.44% 64.42% 2.76% 0.23% Matadors Community Credit Union $291,038 $173 0.07% 0.50% 671.68% 0.60% 0.06% Eagle Community Credit Union $300,416 $460 0.22% 0.88% 395.65% 1.58% 0.15% Strata Federal Credit Union $301,537 $977 0.57% 1.23% 217.91% 2.82% 0.32% Long Beach City Employees Federal Credit Union $313,487 $279 0.29% 0.13% 45.16% 0.84% 0.09% POPA Federal Credit Union $325,328 $276 0.14% 0.82% 602.90% 2.83% 0.08% SAG-AFTRA Federal Credit Union $349,200 $649 0.49% 0.98% 199.69% 2.29% 0.19% I.L.W.U. Federal Credit Union $351,988 $731 0.34% 0.59% 174.97% 2.30% 0.21% Wheelhouse Credit Union $361,409 $429 0.17% 1.11% 643.36% 1.32% 0.12% Cabrillo Credit Union $378,347 $660 0.32% 0.67% 211.06% 1.99% 0.17% Aerospace Federal Credit Union $403,265 $174 0.17% 0.21% 120.69% 0.38% 0.04% Gain Federal Credit Union $412,887 $125 0.06% 0.99% NM 0.44% 0.03% Glendale Area Schools Credit Union $436,528 $86 0.08% 0.96% NM 0.14% 0.02% LA Financial Federal Credit Union $467,748 $499 0.15% 0.24% 164.13% 1.13% 0.11%

Average of Asset Group B $337,754 $421 0.27% 0.65% 317.87% 1.45% 0.13%

Asset Group C - $501 million to $1 billion in total assets

America's Christian Credit Union $510,671 $798 0.22% 0.96% 433.83% 1.70% 0.16% Sun Community Federal Credit Union $566,835 $1,118 0.29% 0.83% 284.62% 2.64% 0.20% CBC Federal Credit Union $570,509 $2,211 0.55% 0.94% 169.43% 4.31% 0.39% SkyOne Federal Credit Union $583,429 $8,276 1.88% 2.08% 110.67% 17.49% 1.42% Foothill Federal Credit Union $588,973 $433 0.13% 0.47% 372.06% 0.63% 0.07% MyPoint Credit Union $594,865 $1,012 0.25% 0.39% 153.36% 2.12% 0.17% First Financial Federal Credit Union $673,421 $1,419 0.37% 0.63% 169.27% 2.84% 0.21% Evangelical Christian Credit Union $674,952 $2,638 0.70% 2.86% 406.41% 3.82% 0.39% USC Credit Union $674,967 $2,801 0.62% 0.69% 111.25% 5.08% 0.41% AltaOne Federal Credit Union $681,298 $7,274 1.81% 1.76% 97.40% 12.15% 1.07% Certified Federal Credit Union $702,774 $775 0.21% 1.06% 502.19% 0.62% 0.11% Safe 1 Credit Union $755,100 $1,656 0.33% 1.04% 315.76% 1.64% 0.22% Christian Community Credit Union $773,879 $3,130 0.55% 0.54% 98.31% 3.25% 0.40% First City Credit Union $809,633 $518 0.18% 1.11% 631.66% 0.60% 0.06% American First Credit Union $835,604 $525 0.10% 0.68% 672.00% 1.15% 0.06% SCE Federal Credit Union $843,062 $1,762 0.33% 1.16% 355.28% 2.33% 0.21% Water and Power Community Credit Union $845,239 $2,180 0.51% 0.64% 126.24% 3.11% 0.26% University Credit Union $851,074 $2,185 0.43% 0.75% 171.95% 3.40% 0.26% Xceed Financial Federal Credit Union $934,119 $3,634 0.61% 0.56% 91.99% 3.74% 0.39% Southland Credit Union $980,643 $2,501 0.46% 0.80% 172.93% 2.54% 0.26%

Average of Asset Group C $722,552 $2,342 0.53% 1.00% 272.33% 3.76% 0.34%

Source: SNL Financial

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Asset Quality Data-S Page 41 of 49 Asset Quality September 30, 2020 Run Date: November 17, 2020

Asset Group D - $1 billion and over in total assets

Sesloc Federal Credit Union $1,006,321 $3,738 0.59% 0.74% 125.33% 4.04% 0.37% Frontwave Credit Union $1,038,939 $1,862 0.28% 0.96% 336.36% 1.48% 0.18% Ventura County Credit Union $1,064,441 $2,173 0.34% 0.88% 261.34% 2.17% 0.20% Honda Federal Credit Union $1,067,806 $2,295 0.30% 0.23% 78.56% 2.74% 0.21% University & State Employees Credit Union $1,134,866 $688 0.09% 0.76% 798.26% 0.67% 0.06% Los Angeles Police Federal Credit Union $1,138,732 $2,412 0.33% 0.45% 136.44% 1.74% 0.21% Los Angeles Federal Credit Union $1,139,160 $1,159 0.17% 0.82% 478.26% 1.15% 0.10% Farmers Insurance Group Federal Credit Union $1,251,114 $6,743 0.77% 1.14% 149.30% 5.22% 0.54% CoastHills Credit Union $1,332,386 $3,320 0.32% 1.14% 353.77% 3.10% 0.25% Northrop Grumman Federal Credit Union $1,371,630 $1,465 0.18% 0.64% 355.84% 1.03% 0.11% Firefighters First Federal Credit Union $1,712,159 $2,092 0.16% 0.36% 219.69% 1.42% 0.12% Financial Partners Credit Union $1,725,794 $3,428 0.32% 0.43% 135.71% 2.36% 0.20% LBS Financial Credit Union $1,730,712 $1,263 0.12% 0.45% 389.63% 0.73% 0.07% First Entertainment Credit Union $1,784,758 $18,742 1.64% 1.05% 64.19% 11.37% 1.05% Altura Credit Union $1,839,828 $3,758 0.31% 1.21% 392.84% 1.87% 0.20% Arrowhead Central Credit Union $1,858,529 $1,586 0.23% 1.97% 857.25% 0.71% 0.09% Credit Union of Southern California $1,995,519 $4,313 0.39% 1.10% 282.96% 1.91% 0.22% Caltech Employees Federal Credit Union $2,001,269 $106 0.02% 0.37% NM 0.05% 0.01% F&A Federal Credit Union $2,019,005 $760 0.18% 0.00% 0.00% 0.25% 0.04% Orange County's Credit Union $2,069,843 $4,191 0.33% 0.69% 207.85% 2.12% 0.20% Partners Federal Credit Union $2,135,156 $7,855 0.51% 1.35% 265.50% 3.49% 0.37% Valley Strong Credit Union $2,135,764 $5,748 0.41% 0.55% 133.70% 2.79% 0.27% NuVision Federal Credit Union $2,584,488 $13,984 0.69% 0.72% 104.28% 4.92% 0.54% California Coast Credit Union $3,063,904 $4,167 0.20% 0.80% 399.98% 1.19% 0.14% Premier America Credit Union $3,132,802 $42,202 1.92% 0.49% 25.62% 15.44% 1.35% UNIFY Financial Federal Credit Union $3,363,824 $25,374 1.00% 1.13% 113.38% 8.18% 0.75% California Credit Union $3,678,452 $13,051 0.57% 0.53% 92.53% 3.46% 0.35% Mission Federal Credit Union $4,481,222 $4,247 0.15% 0.99% 660.37% 0.75% 0.09% Wescom Central Credit Union $4,569,795 $3,413 0.16% 0.90% 569.82% 0.89% 0.07% Kinecta Federal Credit Union $5,094,737 $10,631 0.28% 0.97% 345.22% 2.44% 0.21% Logix Federal Credit Union $7,588,793 $24,361 0.46% 1.34% 289.46% 2.17% 0.32% San Diego County Credit Union $9,444,875 $12,254 0.21% 0.68% 324.83% 0.85% 0.13% SchoolsFirst Federal Credit Union $22,597,940 $35,041 0.30% 0.88% 291.50% 1.48% 0.16%

Average of Asset Group D $3,156,199 $8,134 0.42% 0.81% 288.74% 2.85% 0.28%

Source: SNL Financial

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Asset Quality Data-S Page 42 of 49 Net Worth Net Worth September 30, 2020 Run Date: November 17, 2020

Summary Trends of Historical Asset Group Averages: Delinquent Loans/Net Worth & Classified Assets/Net Worth

Asset Group A ‐ $50 to $250 million in Total Assets Asset Group B ‐ $251 to $500 million in Total Assets As of Date As of Date 5.00% 6.00%

4.50% 5.00% 4.00%

3.50% 4.00% 3.00%

2.50% 3.00%

2.00% 2.00% 1.50%

1.00% 1.00% 0.50%

0.00% 0.00% 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 6/1/2018 7/1/2018 8/1/2018 9/1/2018 6/1/2018 7/1/2018 8/1/2018 9/1/2018 10/1/2019 11/1/2019 12/1/2019 10/1/2019 11/1/2019 12/1/2019 10/1/2018 11/1/2018 12/1/2018 10/1/2018 11/1/2018 12/1/2018 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 Delinquent Loans/Net Worth 2.92% 3.20% 3.43% 2.30% 2.45% 2.71% 2.88% 2.22% 2.27% 2.61% Delinquent Loans/Net Worth 4.10% 2.11% 3.19% 2.79% 2.95% 3.25% 2.71% 1.57% 1.57% 1.33% Classified Assets/Net Worth 4.52% 4.54% 4.43% 4.30% 4.32% 4.15% 4.03% 3.88% 4.00% 3.73% Classified Assets/Net Worth 5.58% 4.93% 5.48% 5.49% 5.24% 5.29% 4.43% 4.60% 3.72% 3.62%

Asset Group C ‐ $501 to $1 billion in Total Assets Asset Group D ‐ $1 billion and Over in Total Assets As of Date As of Date 7.00% 6.00%

6.00% 5.00%

5.00% 4.00%

4.00% 3.00% 3.00%

2.00% 2.00%

1.00% 1.00%

0.00% 0.00% 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 Delinquent Loans/Net Worth 4.31% 4.04% 4.14% 3.11% 3.28% 4.04% 4.21% 3.73% 3.80% 3.73% Delinquent Loans/Net Worth 3.10% 2.64% 3.20% 2.64% 2.68% 2.84% 3.13% 2.50% 2.66% 2.91% Classified Assets/Net Worth 5.96% 5.87% 6.09% 5.92% 5.64% 5.47% 5.42% 5.75% 6.21% 6.61% Classified Assets/Net Worth 4.88% 4.70% 4.81% 4.55% 4.57% 4.54% 4.54% 4.60% 5.04% 5.13%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Net Worth Graph-S Page 44 of 49 Net Worth September 30, 2020 Run Date: November 17, 2020

Summary Trends of Historical Asset Group Averages: Net Worth/Assets & Net Worth Growth (Decline) - YTD

Asset Group A ‐ $50 to $250 million in Total Assets Asset Group B ‐ $251 to $500 million in Total Assets As of Date As of Date 14.00% 12.00%

12.00% 10.00%

10.00% 8.00%

8.00% 6.00% 6.00%

4.00% 4.00%

2.00% 2.00%

0.00% 0.00% 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 6/1/2018 7/1/2018 8/1/2018 9/1/2018 6/1/2018 7/1/2018 8/1/2018 9/1/2018 10/1/2019 11/1/2019 12/1/2019 10/1/2019 11/1/2019 12/1/2019 10/1/2018 11/1/2018 12/1/2018 10/1/2018 11/1/2018 12/1/2018 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 Net Worth/Assets 11.26% 11.50% 11.60% 11.53% 11.76% 11.95% 12.05% 11.79% 11.24% 11.05% Net Worth/Assets 10.37% 10.53% 10.60% 10.56% 10.62% 10.84% 10.80% 10.50% 10.09% 10.00% Net Worth Growth 5.32% 5.97% 5.88% 5.92% 7.09% 7.18% 6.93% 5.13% 3.70% 3.94% Net Worth Growth 7.74% 8.04% 6.02% 5.12% 6.19% 6.11% 5.64% 2.75% 2.68% 3.35%

Asset Group C ‐ $501 to $1 billion in Total Assets Asset Group D ‐ $1 billion and Over in Total Assets As of Date As of Date 12.00% 12.00%

10.00% 10.00%

8.00% 8.00%

6.00% 6.00%

4.00% 4.00%

2.00% 2.00%

0.00% 0.00% 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 6/1/2018 7/1/2018 8/1/2018 9/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 10/1/2018 11/1/2018 12/1/2018 10/1/2019 11/1/2019 12/1/2019 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 Net Worth/Assets 10.74% 11.01% 11.13% 10.79% 11.01% 11.13% 11.04% 10.65% 9.88% 9.80% Net Worth/Assets 11.20% 11.33% 11.36% 11.19% 11.27% 11.42% 11.38% 11.04% 10.41% 10.22% Net Worth Growth 6.60% 6.76% 6.81% 5.61% 6.10% 6.38% 5.45% 2.67% 2.05% 3.33% Net Worth Growth 8.20% 8.39% 8.64% 7.71% 8.49% 8.47% 7.52% 8.10% 5.17% 5.59%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Net Worth Graph-S Page 45 of 49 Net Worth September 30, 2020 Run Date: November 17, 2020

Asset Group A - $50 to $250 million in total assets

Huntington Beach Credit Union $56,916 $6,582 11.56% 2.62% 2.89% 2.90% Cal State L.A. Federal Credit Union $58,953 $6,308 10.70% 0.19% 0.97% 3.15% Polam Federal Credit Union $65,272 $7,226 11.07% 2.35% 0.04% 9.08% County Schools Federal Credit Union $68,091 $4,174 6.13% (2.94%) 29.85% 11.31% Pacific Transportation Federal Credit Union $71,173 $13,446 18.89% 12.89% 0.76% 1.36% CalCom Federal Credit Union $71,869 $9,815 13.66% 5.28% 2.95% 2.74% North County Credit Union $72,060 $6,236 8.65% 0.77% 1.44% 3.58% JACOM Credit Union $72,598 $11,301 15.57% 0.54% 0.35% 1.15% Bopti Federal Credit Union $73,435 $13,881 18.90% 5.08% 0.33% 1.73% Bourns Employees Federal Credit Union $74,991 $9,302 12.40% 14.85% 0.15% 3.89% PostCity Financial Credit Union $76,748 $9,412 12.26% 0.65% 0.56% 0.63% Universal City Studios Credit Union $77,178 $6,876 8.91% 0.06% 1.63% 3.24% Nikkei Credit Union $78,038 $9,507 12.18% 3.04% 0.47% 0.47% Allied Healthcare Federal Credit Union $80,296 $7,412 9.23% 2.64% 1.44% 2.44% Santa Ana Federal Credit Union $84,326 $7,947 9.42% 6.18% 1.01% 1.06% Union Yes Federal Credit Union $85,263 $6,648 7.80% 33.53% 0.35% 0.56% Paradise Valley Federal Credit Union $86,722 $9,135 10.53% 2.15% 0.50% 3.46% VA Desert Pacific Federal Credit Union $87,024 $15,117 17.37% 8.88% 0.18% 0.87% Prospectors Federal Credit Union $88,542 $9,189 10.38% 2.30% 0.10% 1.03% La Loma Federal Credit Union $95,345 $6,301 6.61% 9.86% 6.82% 6.74% Glendale Federal Credit Union $100,424 $11,733 11.68% 0.08% 0.67% 1.87% Interfaith Federal Credit Union $101,888 $11,103 10.90% 13.18% 0.72% 2.63% Thinkwise Federal Credit Union $102,421 $11,763 11.48% 0.12% 9.90% 5.52% Technicolor Federal Credit Union $107,108 $8,492 7.93% 18.18% 1.88% 3.13% Rancho Federal Credit Union $111,642 $7,591 6.80% (1.46%) 0.87% 2.42% San Diego Firefighters Federal Credit Union $120,884 $8,563 7.08% 1.35% 0.43% 2.29% California Bear Credit Union $122,478 $6,931 5.66% (26.79%) 11.96% 4.18% South Bay Credit Union $124,001 $13,214 10.66% 7.33% 3.58% 8.20% Clearpath Federal Credit Union $127,254 $13,429 10.55% 3.71% 5.48% 3.57% East County Schools Federal Credit Union $128,912 $11,262 8.74% 2.58% 3.80% 2.57% Ontario Montclair School Employees Federal Credit Union $134,693 $13,651 10.13% 4.74% 0.75% 2.26% Sea Air Federal Credit Union $137,480 $32,344 23.53% (1.22%) 0.27% 1.14% Pasadena Service Federal Credit Union $142,936 $12,733 8.91% (0.74%) 0.59% 4.45% Schools Federal Credit Union $147,377 $18,707 12.69% 3.38% 1.21% 11.14% First Imperial Credit Union $151,589 $14,531 9.59% 12.49% 4.75% 15.74% Torrance Community Federal Credit Union $156,267 $11,851 7.58% 0.69% 0.37% 2.78% California Lithuanian Credit Union $159,568 $22,158 13.89% 8.43% 0.00% 2.64% Camino Federal Credit Union $162,887 $16,276 9.99% 2.55% 1.57% 5.98% E-Central Credit Union $187,589 $31,908 17.01% 0.92% 5.59% 3.04% Chaffey Federal Credit Union $188,035 $14,632 7.78% 4.28% 0.16% 2.43% Priority One Credit Union $195,586 $18,459 9.44% 1.55% 0.38% 1.68% Pasadena Federal Credit Union $199,433 $16,999 8.52% (0.45%) 0.41% 1.05% Alta Vista Credit Union $202,505 $14,790 7.30% 6.41% 8.01% 8.37% Long Beach Firemen's Credit Union $212,311 $42,789 20.15% 6.50% 0.16% 4.50% Edwards Federal Credit Union $222,934 $16,123 7.23% (1.52%) 1.37% 2.67%

Average of Asset Group A $117,179 $12,841 11.05% 3.94% 2.61% 3.73%

Source: SNL Financial

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Net Worth Data-S Page 46 of 49 Net Worth September 30, 2020 Run Date: November 17, 2020

Asset Group B - $251 to $500 million in total assets

Parsons Federal Credit Union $253,722 $29,322 11.56% 1.23% 0.58% 1.53% Santa Barbara Teachers Federal Credit Union $259,169 $28,429 10.97% 0.99% 0.06% 0.54% Downey Federal Credit Union $263,104 $29,171 11.09% 3.74% 2.81% 2.62% UMe Federal Credit Union $272,644 $23,556 8.64% 6.64% 2.71% 1.74% Matadors Community Credit Union $291,038 $30,501 10.48% 6.54% 0.57% 3.81% Eagle Community Credit Union $300,416 $26,968 8.98% 3.25% 1.71% 6.75% Strata Federal Credit Union $301,537 $36,680 12.16% 4.05% 2.66% 5.80% Long Beach City Employees Federal Credit Union $313,487 $36,161 11.54% 0.51% 0.77% 0.35% POPA Federal Credit Union $325,328 $33,290 10.23% 6.66% 0.83% 5.00% SAG-AFTRA Federal Credit Union $349,200 $29,484 8.44% 5.05% 2.20% 4.40% I.L.W.U. Federal Credit Union $351,988 $34,750 9.87% 3.72% 2.10% 3.68% Wheelhouse Credit Union $361,409 $29,518 8.17% (1.45%) 1.45% 9.35% Cabrillo Credit Union $378,347 $32,092 8.48% (0.38%) 2.06% 4.34% Aerospace Federal Credit Union $403,265 $40,301 9.99% 3.64% 0.43% 0.52% Gain Federal Credit Union $412,887 $29,883 7.24% 0.91% 0.42% 7.48% Glendale Area Schools Credit Union $436,528 $57,059 13.07% 3.21% 0.15% 1.79% LA Financial Federal Credit Union $467,748 $42,732 9.14% 8.61% 1.17% 1.92%

Average of Asset Group B $337,754 $33,523 10.00% 3.35% 1.33% 3.62%

Asset Group C - $501 million to $1 billion in total assets

America's Christian Credit Union $510,671 $46,063 9.02% 4.54% 1.73% 7.52% Sun Community Federal Credit Union $566,835 $46,670 8.23% 0.11% 2.40% 6.82% CBC Federal Credit Union $570,509 $47,673 8.36% 5.05% 4.64% 7.86% SkyOne Federal Credit Union $583,429 $48,562 8.32% 6.06% 17.04% 18.86% Foothill Federal Credit Union $588,973 $64,983 11.03% 7.22% 0.67% 2.48% MyPoint Credit Union $594,865 $46,966 7.90% 3.96% 2.15% 3.30% First Financial Federal Credit Union $673,421 $51,263 7.61% 8.35% 2.77% 4.69% Evangelical Christian Credit Union $674,952 $57,811 8.57% (0.52%) 4.56% 18.54% USC Credit Union $674,967 $55,980 8.29% 11.91% 5.00% 5.57% AltaOne Federal Credit Union $681,298 $64,055 9.40% (0.97%) 11.36% 11.06% Certified Federal Credit Union $702,774 $130,666 18.59% 5.96% 0.59% 2.98% Safe 1 Credit Union $755,100 $105,081 13.92% 2.06% 1.58% 4.98% Christian Community Credit Union $773,879 $93,195 12.04% 3.30% 3.36% 3.30% First City Credit Union $809,633 $85,228 10.53% 3.09% 0.61% 3.84% American First Credit Union $835,604 $83,296 9.97% 3.38% 0.63% 4.24% SCE Federal Credit Union $843,062 $77,712 9.22% (0.42%) 2.27% 8.06% Water and Power Community Credit Union $845,239 $67,308 7.96% 0.41% 3.24% 4.09% University Credit Union $851,074 $67,717 7.96% 5.37% 3.23% 5.55% Xceed Financial Federal Credit Union $934,119 $93,466 10.01% (2.37%) 3.89% 3.58% Southland Credit Union $980,643 $88,490 9.02% 0.03% 2.83% 4.89%

Average of Asset Group C $722,552 $71,109 9.80% 3.33% 3.73% 6.61%

Source: SNL Financial

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Net Worth Data-S Page 47 of 49 Net Worth September 30, 2020 Run Date: November 17, 2020

Asset Group D - $1 billion and over in total assets

Sesloc Federal Credit Union $1,006,321 $88,872 8.83% 2.81% 4.21% 5.27% Frontwave Credit Union $1,038,939 $115,245 11.09% 2.58% 1.62% 5.43% Ventura County Credit Union $1,064,441 $92,646 8.70% 6.00% 2.35% 6.13% Honda Federal Credit Union $1,067,806 $87,334 8.18% 2.50% 2.63% 2.06% University & State Employees Credit Union $1,134,866 $103,987 9.16% 2.56% 0.66% 5.28% Los Angeles Police Federal Credit Union $1,138,732 $133,078 11.69% 5.91% 1.81% 2.47% Los Angeles Federal Credit Union $1,139,160 $128,546 11.28% 3.75% 0.90% 4.31% Farmers Insurance Group Federal Credit Union $1,251,114 $119,595 9.56% 1.99% 5.64% 8.42% CoastHills Credit Union $1,332,386 $115,662 8.68% 5.33% 2.87% 10.15% Northrop Grumman Federal Credit Union $1,371,630 $133,404 9.73% 2.66% 1.10% 3.91% Firefighters First Federal Credit Union $1,712,159 $142,275 8.31% 7.89% 1.47% 3.23% Financial Partners Credit Union $1,725,794 $143,436 8.31% 9.20% 2.39% 3.24% LBS Financial Credit Union $1,730,712 $217,627 12.57% 4.57% 0.58% 2.26% First Entertainment Credit Union $1,784,758 $149,466 8.37% (1.06%) 12.54% 8.05% Altura Credit Union $1,839,828 $186,057 10.11% 8.40% 2.02% 7.93% Arrowhead Central Credit Union $1,858,529 $209,952 11.30% 4.94% 0.76% 6.48% Credit Union of Southern California $1,995,519 $228,809 11.47% 9.43% 1.88% 5.33% Caltech Employees Federal Credit Union $2,001,269 $185,354 9.26% 7.17% 0.06% 1.04% F&A Federal Credit Union $2,019,005 $287,795 14.25% 4.19% 0.26% 0.00% Orange County's Credit Union $2,069,843 $190,768 9.22% 6.67% 2.20% 4.57% Partners Federal Credit Union $2,135,156 $216,211 10.13% 3.51% 3.63% 9.65% Valley Strong Credit Union $2,135,764 $196,789 9.21% 9.54% 2.92% 3.91% NuVision Federal Credit Union $2,584,488 $279,070 10.80% 3.12% 5.01% 5.23% California Coast Credit Union $3,063,904 $335,309 10.94% 5.74% 1.24% 4.97% Premier America Credit Union $3,132,802 $302,784 9.66% 3.31% 13.94% 3.57% UNIFY Financial Federal Credit Union $3,363,824 $286,291 8.51% 5.69% 8.86% 10.05% California Credit Union $3,678,452 $379,761 10.32% 2.81% 3.44% 3.18% Mission Federal Credit Union $4,481,222 $549,100 12.25% 4.31% 0.77% 5.11% Wescom Central Credit Union $4,569,795 $363,054 7.94% 4.83% 0.94% 5.36% Kinecta Federal Credit Union $5,094,737 $403,783 7.93% 4.45% 2.63% 9.09% Logix Federal Credit Union $7,588,793 $1,072,978 14.14% 8.85% 2.27% 6.57% San Diego County Credit Union $9,444,875 $1,448,961 15.34% 4.57% 0.85% 2.75% SchoolsFirst Federal Credit Union $22,597,940 $2,298,634 10.17% 26.37% 1.52% 4.44%

Average of Asset Group D $3,156,199 $339,171 10.22% 5.59% 2.91% 5.13%

Source: SNL Financial

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Net Worth Data-S Page 48 of 49 Definitions Credit Union Index | DEFINITIONS

Total assets ($000) All assets owned by the credit union as of the date indicated, as Asset growth rate (%) Growth in total assets. Annualized is equal to (current period carried on the balance sheet and defined under the indicated total assets minus previous period total assets) divided by accounting principles. previous period total assets. Net income ($000) Net income after taxes, minority interest, and extraordinary Market growth rate (%) The annualized change in shares and deposits calculated as and other after-tax items. Noncontrolling interest may be current period shares and deposits less prior period shares and included, per relevant accounting standards. FASB Accounting deposits as a percent of prior period shares and deposits. Standards Codification® (ASC) Section 810-10-65, which includes noncontrolling interests for fiscal years starting after Delinquent loans => 2 months Loans that are greater than or equal to 60 days delinquent. December 15, 2008, for example. ($000) Return on average assets (%) Return on average assets; net income as a percent of average NPL ÷ loans (%) Total nonperforming loans as a percent of total loans and leases, assets. net of unearned income and gross of reserve. Return on average net Return on average equity; net income as a percent of average Reserves ÷ loans (%) Reserves for loan losses as a percent of loans before reserves. equity. worth (%) Reserves ÷ nonperforming Loan loss reserves as a percent of nonperforming loans. Operational expense ÷ Noninterest expense before foreclosed property expense, loans (%) operational revenue (%) amortization of intangibles, and goodwill impairments as a percent of net interest income (fully taxable equivalent, if Delinquent loans ÷ assets (%) Total delinquent loans greater than or equal to 60 days as a available) and noninterest revenues, excluding only gains from percent of total assets. securities transactions and nonrecurring items. NPAs ÷ equity LLRs (%) Nonperforming assets (loans delinquent at least 60 days and other real estate owned) as a percent of equity and loan loss Salary expense ÷ employees Salary and benefits expense divided by number of full-time equivalent employees at end of period. reserves. Sum of undivided earnings, regular reserves, appropriation Total loans and leases ($000) The total of loans and lease financing receivables, net Total net worth ($000) unearned income. Includes loans secured by real estate; for non-conforming investments, other reserves, uninsured loans to depository institutions; loans to finance agricultural secondary capital, and net income. production and other loans to farmers; commercial and Net worth ÷ assets (%) Net worth as a percent of total assets. industrial loans; acceptances of other banks (both US and foreign); loans to individuals for household, family, and other Net worth growth (decline) - The annualized change in net worth calculated as current period personal expenditures; loans to foreign governments and official YTD (%) net worth less prior period net worth as a percent of prior institutions; obligations of states and political subdivisions in the period net worth. United States; other loans (for purchasing or carrying securities, Total delinquent loans as a percent of net worth. for example, and not including consumer loans); lease financing Total delinquent loans ÷ net receivables (net unearned income); and less any unearned income worth (%) on loans reflected in items above. Classified assets ÷ net Classified assets, the sum of allowance for loan losses and Total shares and deposits Amounts in customers’ banking deposits; any accounts subject worth (%) appropriation for non conforming investments, as a percent of ($000) to federal banking deposit insurance, including any portions net worth. in jumbo deposits that aren’t insured but subject to the FDIC deposit regulations. Total assets ÷ employees Total assets divided by number of full-time equivalent employees at end of period. Total loans ÷ total shares (%) Total loans as a percent of total shares. Yield on average assets (%) Return earned on average assets, expressed as a percent. Total interest and dividend income divided by average assets. Interest expense ÷ average Total interest expense as a percent of average assets. assets (%) Net interest income ÷ Interest on loans and investments less cost of funds as a percent average assets (%) of average assets.