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Mutuals Industry Review 2018

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Mutuals Industry Review 2018 STRENGTH/SOUNDNESS KPMG Mutuals industry review 2018 datasheet RANKING SIZE MEASURES GROWTH MEASURES PROFITABILITY MEASURES EFFICIENCY MEASURES CREDIT QUALITY MEASURES MEASURES Increase / Non Interest Operating Total Provision for By Total Net Loans and Increase / Increase / (Decrease) Operating Operating Net Interest Doubtful Debt By Net By Total By Net Assets2 Capital Adequacy By Total Assets (Decrease) in Income / Return on Expenses8 / Doubtful Debts / Accounts1 Deposits Advances / Total (Decrease) in Total in Operating Profit Profit Before Profit After Income / Average Cost to Income9 Expenses10 / Average Assets Assets $'000 Ratio3 $'000 Operating Profit Average Total Equity7 Average Total Average Gross $'000 Assets Assets After Tax4 Tax4 Tax4 Total Assets5 Gross Receivables Before Tax4 Assets6 Assets Receivables11 Australian Military Bank Limited 23 19 Jun-18 93,443 15.1% 1,346,248 1,233,865 84.1% 7.4% -1.6% 2.8% 7,473 5,180 2.2% 0.5% 5.7% 2.0% 73.8% 0.16% 0.15% Australian Military Bank Limited 23 19 Jun-17 88,076 14.9% 1,253,724 1,109,037 85.7% 10.8% 16.6% 6.2% 7,598 5,038 2.1% 0.7% 5.9% 2.2% 76.2% 0.05% 0.10% B&E Ltd12 30 28 Jun-18 69,810 17.5% 840,784 645,816 83.7% 10.1% -52.1% -54.0% 2,326 1,587 2.2% 0.3% 2.3% 2.2% 88.2% 0.01% 0.01% B&E Ltd12 30 30 Jun-17 68,223 19.1% 763,603 615,299 82.6% 4.9% 5.8% 7.3% 4,856 3,451 2.1% 0.6% 5.2% 2.0% 75.4% 0.01% 0.01% Bank Australia Limited13 7 9 Jun-18 510,174 16.6% 5,652,030 4,640,757 83.1% 9.6% 12.2% 11.1% 36,262 26,102 1.9% 0.3% 5.2% 1.5% 69.2% 0.01% 0.04% Bank Australia Limited13 6 9 Jun-17 484,894 17.0% 5,157,005 4,169,704 83.3% 27.7% 3.6% 4.0% 32,306 23,491 2.0% 0.4% 5.1% 1.6% 69.4% 0.01% 0.05% Bank First14 13 12 Jun-18 205,689 15.6% 2,509,173 2,281,609 77.7% 8.1% -1.4% -1.4% 17,014 11,913 2.1% 0.5% 6.0% 1.9% 72.6% 0.02% 0.02% Bank First14 13 12 Jun-17 193,511 15.7% 2,320,374 2,104,696 79.8% 7.4% -19.6% -20.0% 17,262 12,080 2.1% 0.5% 6.4% 2.0% 75.1% 0.02% 0.02% BankVic 15 17 Jun-18 177,632 19.7% 1,830,317 1,595,735 78.8% 12.1% 12.6% 14.3% 17,909 12,637 2.4% 0.6% 7.4% 2.0% 65.3% 0.01% 0.08% BankVic 15 17 Jun-17 164,995 20.1% 1,632,873 1,415,085 79.9% 8.7% 9.1% 7.9% 15,898 11,059 2.5% 0.6% 6.9% 2.0% 66.5% 0.01% 0.07% Beyond Bank Australia15 8 8 Jun-18 486,908 17.3% 5,823,060 4,360,412 86.8% 7.5% 2.4% 2.9% 34,801 25,441 2.2% 0.4% 5.5% 1.9% 73.9% 0.08% 0.08% Beyond Bank Australia15 8 8 Jun-17 431,184 15.1% 5,415,141 4,268,837 87.1% 13.7% 2.8% 0.5% 33,977 24,725 2.2% 0.5% 5.9% 2.0% 74.3% 0.05% 0.08% Big Sky Building Society Ltd 32 30 Jun-18 62,603 17.6% 777,441 708,593 83.7% -6.0% 65.2% 65.3% 3,932 2,750 2.5% 0.5% 4.5% 2.0% 67.5% 0.54% 2.17% Big Sky Building Society Ltd 32 28 Jun-17 59,779 16.4% 827,351 761,476 84.4% -4.0% -51.2% -51.2% 2,380 1,664 2.2% 0.3% 2.8% 2.1% 82.6% 0.18% 1.61% Coastline Credit Union Ltd 38 38 Jun-18 38,164 14.2% 503,080 458,517 83.0% 9.1% 24.5% 30.4% 4,243 3,103 2.5% 0.5% 8.5% 2.1% 69.7% 0.03% 0.00% Coastline Credit Union Ltd 39 38 Jun-17 35,061 13.7% 461,319 420,980 81.3% 18.0% 23.1% 21.2% 3,407 2,379 2.4% 0.7% 7.1% 2.2% 72.0% 0.06% 0.08% Community Alliance Credit Union Limited16 36 34 Jun-18 44,193 15.3% 619,716 570,166 83.1% -6.7% 165.2% 196.3% 2,090 1,455 2.1% 0.3% 3.3% 2.1% 86.7% 0.00% 0.02% Community Alliance Credit Union Limited16 35 32 Jun-17 42,738 14.2% 664,178 615,574 81.9% 6.0% -57.3% -64.3% 788 491 2.0% 0.4% 1.2% 2.2% 94.1% 0.02% 0.03% Community First Credit Union 24 24 Jun-18 88,843 15.4% 1,066,278 966,072 76.1% 12.2% -9.8% -12.3% 2,932 2,201 2.2% 0.7% 2.6% 2.5% 88.4% 0.06% 0.18% Community First Credit Union 24 25 Jun-17 81,169 15.3% 950,435 859,091 80.9% 4.5% 4.3% 4.6% 3,252 2,511 2.3% 0.8% 3.1% 2.8% 87.1% 0.07% 0.19% Credit Union Australia Limited 1 1 Jun-18 961,407 14.3% 15,617,933 9,231,009 78.8% 9.0% 2.4% 5.1% 69,469 52,165 1.7% 0.1% 5.6% 1.3% 71.2% 0.07% 0.08% Credit Union Australia Limited 2 1 Jun-17 907,257 14.3% 14,323,091 8,760,229 80.5% 6.4% -6.9% -6.4% 67,871 49,650 1.7% 0.1% 5.7% 1.3% 71.6% 0.05% 0.07% Credit Union SA Ltd 22 20 Jun-18 100,583 18.8% 1,160,080 945,510 78.0% 14.9% 0.9% 0.9% 5,676 4,262 2.2% 0.7% 4.3% 2.4% 81.4% 0.02% 0.03% Credit Union SA Ltd 22 24 Jun-17 96,224 19.8% 1,009,480 899,025 85.1% 8.8% 12.0% 9.6% 5,628 4,222 2.5% 0.7% 4.5% 2.5% 80.7% 0.03% 0.03% Defence Bank Ltd 16 13 Jun-18 169,418 14.8% 2,277,826 1,953,896 85.5% 12.1% 6.0% 4.1% 13,961 9,794 2.1% 0.4% 6.0% 1.8% 72.9% 0.01% 0.02% Defence Bank Ltd 16 13 Jun-17 159,624 15.4% 2,031,528 1,741,142 84.3% 14.1% -8.7% -5.9% 13,176 9,410 2.2% 0.5% 6.1% 1.9% 73.0% 0.02% 0.02% Endeavour Mutual Bank Ltd 25 33 Jun-18 82,724 25.8% 639,250 545,366 72.5% 1.9% 60.9% 52.5% 3,061 2,206 2.5% 0.4% 2.7% 2.4% 83.0% 0.02% 0.03% Endeavour Mutual Bank Ltd 25 34 Jun-17 80,518 25.1% 627,480 533,167 71.6% 116.6% 1511.9% 1147.4% 1,902 1,447 3.4% 0.6% 2.4% 3.7% 89.8% 0.03% 0.05% Family First Credit Union Limited 47 48 Jun-18 11,377 16.8% 134,209 119,683 78.5% 6.3% 40.2% 40.8% 848 618 3.0% 0.7% 5.6% 3.0% 81.6% 0.04% 0.11% Family First Credit Union Limited 47 48 Jun-17 10,759 16.2% 126,287 112,834 77.0% 11.7% 3.2% 5.0% 605 439 3.1% 0.7% 4.2% 3.2% 85.1% 0.08% 0.10% Ford Co-operative Credit Society Limited 48 47 Jun-18 9,870 15.3% 135,300 124,066 72.8% 1.6% 0.0% -12.3% 690 401 2.0% 0.4% 4.1% 2.1% 87.1% 0.15% 0.24% Ford Co-operative Credit Society Limited 48 47 Jun-17 9,469 15.3% 133,232 120,867 71.9% -1.3% -13.4% -18.0% 690 457 2.0% 0.4% 4.9% 2.0% 80.4% 0.05% 0.44% G&C Mutual Bank Limited17 19 21 Jun-18 104,760 18.2% 1,120,680 957,737 63.2% 3.0% 33.0% 32.9% 6,804 4,786 2.2% 0.4% 4.7% 1.8% 69.4% 0.29% 0.17% G&C Mutual Bank Limited17 20 20 Jun-17 99,974 18.1% 1,088,114 959,864 62.1% 23.8% 55.4% 56.4% 5,117 3,600 2.3% 0.4% 4.0% 2.1% S96 0.08% 0.10% Gateway Bank Ltd18 20 25 Jun-18 103,544 20.4% 1,064,121 746,395 83.9% 2.4% 14.5% 7.7% 3,692 2,493 1.9% 0.1% 2.4% 1.6% 78.5% 0.09% 0.10% Gateway Bank Ltd18 19 23 Jun-17 101,004 19.8% 1,038,874 704,893 84.7% 0.1% -15.3% -12.8% 3,224 2,315 1.7% 0.1% 2.3% 1.5% 81.5% 0.05% 0.07% Greater Bank Limited 6 6 Jun-18 515,124 17.4% 6,711,157 5,757,508 80.3% 6.8% 19.8% 19.5% 48,925 34,214 2.2% 0.4% 6.9% 1.9% 71.2% 0.00% 0.02% Greater Bank Limited 7 6 Jun-17 481,233 17.2% 6,286,212 5,375,917 77.9% 10.0% -3.2% -3.0% 40,845 28,641 2.2% 0.4% 6.1% 1.9% 74.0% 0.00% 0.02% Heritage Bank Ltd 4 3 Jun-18 533,399 14.1% 9,524,363 7,149,791 84.8% 1.6% 14.0% 13.7% 64,213 45,041 1.9% 0.4% 8.8% 1.6% 70.6% 0.01% 0.11% Heritage Bank Ltd 5 3 Jun-17 487,461 13.4% 9,378,703 7,124,224 84.1% 11.1% 10.2% 9.6% 56,310 39,623 1.7% 0.5% 8.5% 1.6% 71.3% 0.01% 0.10% Holiday Coast Credit Union Ltd 37 36 Jun-18 44,145 14.5% 607,657 556,556 75.1% 3.2% 44.9% 43.5% 3,196 2,231 2.6% 0.6% 5.2% 2.6% 81.9% 0.03% 0.00% Holiday Coast Credit Union Ltd 37 36 Jun-17 41,948 14.1% 589,083 539,854 75.2% 6.7% -16.5% -16.2% 2,206 1,555 2.6% 0.6% 3.8% 2.8% 87.0% 0.03% 0.03% Horizon Credit Union Ltd 43 39 Jun-18 24,427 15.0% 345,005 313,955 81.8% 2.2% 4.9% 16.0% 1,729 1,363 2.6% 0.8% 5.8% 2.9% 85.1% 0.00% 0.00% Horizon Credit Union Ltd 44 39 Jun-17 22,415 14.6% 337,427 312,161 76.0% 9.6% 7.6% 7.0% 1,648 1,175 2.5% 0.9% 5.4% 2.9% 85.2% 0.00% 0.00% Hume Bank Limited 29 22 Jun-18 75,776 14.5% 1,104,110 1,016,352 75.3% 5.0% 5.0% 6.2% 6,013 4,183 2.4% 0.5% 5.7% 2.3% 79.9% 0.03% 0.04% Hume Bank Limited 29 22 Jun-17 71,741 14.6% 1,051,850 966,078 73.7% 4.7% 7.6% 6.2% 5,729 3,938 2.3% 0.5% 5.7% 2.2% 79.9% 0.02% 0.03% Hunter United Employees’ Credit Union Limited 42 41 Jun-18 24,451 16.4% 329,756 303,082 80.8% 8.8% 26.5% 28.8% 534 380 2.2% 0.4% 1.6% 2.4% 93.0% 0.02% 0.03% Hunter United Employees’ Credit Union Limited 42 41 Jun-17 24,071 16.9% 302,950 276,995 81.6% 8.9% 7.9% 75.6% 422 295 2.4% 0.5% 1.2% 2.7% 94.7% 0.01% 0.03% IMB Limited 9 7 Jun-18 343,687 16.1% 5,912,182 4,993,265 77.3% 3.5% 15.1% 15.0% 45,184 31,561 2.1% 0.2% 9.4% 1.5% 65.7% 0.03% 0.11% IMB Limited 9 7 Jun-17 330,248 16.6% 5,713,681 4,795,283 75.5% 9.4% -7.0% -7.1% 39,252 27,452 2.0% 0.3% 8.6% 1.6% 67.9% 0.03% 0.11% Macarthur Credit Union Ltd 41 44 Jun-18 24,744 19.6% 253,733 227,111 65.2% 1.8% -40.1% -46.8% 433 295 2.7% 0.6% 1.2% 3.1% 94.4% 0.06% 0.06% Macarthur Credit Union Ltd 41 44 Jun-17 24,449 19.3% 249,279 233,033 63.2% 2.9% -16.2% -10.3% 723 555 2.8% 0.7% 2.3% 3.1% 91.7% -0.01% 0.05% MOVE Bank19 31 35 Jun-18 63,264 21.5% 614,446 549,283 80.4% -0.3% -24.2% -21.5% 1,305 933 2.1% 0.3% 1.5% 2.0% 85.1% 0.14% 0.25% MOVE Bank19 31 35 Jun-17 62,331 20.8% 616,223 552,070 77.4% 4.4% -38.8% -39.9% 1,721 1,188 1.9% 0.4% 1.9% 2.0% 85.5% -0.07% 0.12% Newcastle Permanent Building Society Ltd 2 2 Jun-18 954,293 20.1% 10,716,100 8,242,302 84.6% -1.5% 12.1% 11.2% 62,041 43,012 1.8% 0.2% 4.6% 1.3% 67.5% 0.01% 0.02% Newcastle Permanent Building Society Ltd 1 2 Jun-17 909,071 19.2% 10,884,375 8,164,204 80.0% 11.4% -2.5% -1.9% 55,346 38,675 1.7% 0.2% 4.3% 1.4% 70.5% 0.01% 0.02% Nexus Mutual20 46 42 Jun-18 18,515 14.3% 323,252 301,618 73.8% 6.1% -25.7% -21.8% 1,715 1,244 1.9% 0.3% 7.0% 1.6% 75.0% 0.02% 0.00% Nexus Mutual20 46 40 Jun-17 17,260 14.4% 304,630 280,320 73.8% 2.0% 57.9% 56.2% 2,309 1,590 1.9% 0.5% 9.6% 1.6% 67.3% 0.01% 0.02% Northern Inland Credit Union Ltd 39 43 Jun-18 36,177 22.0% 287,128 245,429 80.2% 8.0% -10.9% -10.7% 1,532 1,075 3.2% 0.8% 3.0% 3.4% 86.2% -0.01% 0.01% Northern Inland Credit Union Ltd 38 43 Jun-17 35,102 21.8% 265,919 226,502 80.2% 5.9% 60.7% 55.6% 1,720 1,204 3.3% 1.0% 3.5% 3.6% 84.2% 0.01% 0.02% Orange Credit Union Ltd 40 45 Jun-18 25,973 23.9% 200,254 172,881 63.5% 5.0% -9.5% -6.8% 891 654 2.9% 0.7% 2.6% 3.2% 87.4% 0.12% 0.26% Orange Credit Union Ltd 40 45 Jun-17 25,318 24.2% 190,795 164,028 62.8% 3.5% -15.5% -15.4% 985 702
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