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

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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 2882 Prospect Park Drive Suite 110 Suite 280 Suite 300 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 NM = perNM SNL Financial, the data was not provided the as ratios are too high/low to be meaningful. NA =data was not available. bank-level data. only includes Report Note: Source: SNL Financial Return on Avg Assets Return on Avg Assets 0.00% 0.10% 0.20% 0.30% 0.40% 0.50% 0.60% 0.70% 0.80% 0.00% 0.10% 0.20% 0.30% 0.40% 0.50% 0.60% 0.70% 0.80% Asset Group A ‐ $50 to $250 million in Total Assets 6/30/17 9/30/17 12/31/17 3/31/18 6/30/18 9/30/18 12/31/18 3/31/19 6/30/ 6/30/17 9/30/17 12/31/17 3/31/18 6/30/18 9/30/18 12/31/18 3/31/19 6/30/ Asset Group C ‐ $501 to $1 billion in Total Assets 0.57% 0.61%6/1/2017 0.53% 0.71% 0.75% 0.64% 0.57% 0.60% 0.70% 0.75% 0.52% 0.49%6/1/2017 0.46% 0.48% 0.45% 0.54% 0.59% 0.62% 0.66% 0.67% 7/1/2017 7/1/2017 8/1/2017 8/1/2017 9/1/2017 9/1/2017 10/1/2017 10/1/2017 11/1/2017 11/1/2017 12/1/2017 12/1/2017 1/1/2018 1/1/2018 Year‐to‐Date Year‐to‐Date 2/1/2018 2/1/2018 3/1/2018 3/1/2018 4/1/2018 4/1/2018 5/1/2018 5/1/2018 Return onA GroupAverages: TrendsofHistoricalAsset Summary 6/1/2018 6/1/2018 7/1/2018 7/1/2018 8/1/2018 8/1/2018 9/1/2018 9/1/2018 10/1/2018 10/1/2018 11/1/2018 11/1/2018 12/1/2018 12/1/2018 1/1/2019 1/1/2019 2/1/2019 2/1/2019 3/1/2019 3/1/2019 4/1/2019 4/1/2019 5/1/2019 5/1/2019 19 9/30/19 19 9/30/19 6/1/2019 6/1/2019 September 30, 2019 7/1/2019 7/1/2019 8/1/2019 8/1/2019 9/1/2019 9/1/2019 Return on Avg Assets Return on Avg Assets 0.00% 0.20% 0.40% 0.60% 0.80% 1.00% 1.20% 0.00% 0.20% 0.40% 0.60% 0.80% 1.00% 1.20% 1.40% Asset Group B ‐ $251 to $500 million in Total Assets Asset Group D ‐ $1 billion and Over in Total Assets 6/30/17 9/30/17 12/31/17 3/31/18 6/30/18 9/30/18 12/31/18 3/31/19 6/30/ 6/30/17 9/30/17 12/31/17 3/31/18 6/30/18 9/30/18 12/31/18 3/31/19 6/30/ 0.89% 0.84%6/1/2017 0.85% 1.05% 1.05% 1.07% 1.01% 0.92% 0.96% 0.97% 0.69% 0.74%6/1/2017 0.71% 0.97% 0.82% 0.89% 0.82% 0.79% 0.83% 1.20% 7/1/2017 7/1/2017 8/1/2017 8/1/2017 9/1/2017 9/1/2017 Assets verage 10/1/2017 10/1/2017 11/1/2017 11/1/2017 12/1/2017 12/1/2017 1/1/2018 1/1/2018 Year‐to‐Date Year‐to‐Date 2/1/2018 2/1/2018 3/1/2018 3/1/2018 4/1/2018 4/1/2018 5/1/2018 5/1/2018 6/1/2018 6/1/2018 7/1/2018 7/1/2018 8/1/2018 8/1/2018 14, 2019 Date: November Run 9/1/2018 9/1/2018 10/1/2018 10/1/2018 11/1/2018 11/1/2018 12/1/2018 12/1/2018 Performance Graph-N Page 3 of 49 1/1/2019 1/1/2019 2/1/2019 2/1/2019 3/1/2019 3/1/2019 4/1/2019 4/1/2019 5/1/2019 5/1/2019 19 9/30/19 19 9/30/19 6/1/2019 6/1/2019 7/1/2019 7/1/2019 8/1/2019 8/1/2019 9/1/2019 9/1/2019 Performance Analysis NM = perNM SNL Financial, the data was not provided the as ratios are too high/low to be meaningful. NA =data was not available. bank-level data. only includes Report Note: Source: SNL Financial Axis Title Axis Title Return on Avg Net Worth Return on Avg Net Worth 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 7.00% 8.00% 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 7.00% Asset Group A ‐ $50 to $250 million in Total Assets Asset Group C ‐ $501 to $1 billion in Total Assets 6/30/17 9/30/17 12/31/17 3/31/18 6/30/18 9/30/18 12/31/18 3/31/19 6/30/ 6/30/17 9/30/17 12/31/17 3/31/18 6/30/18 9/30/18 12/31/18 3/31/19 6/30/ 5.82% 6.65%6/1/2017 5.35% 6.96% 6.76% 6.37% 5.75% 5.10% 5.97% 6.44% 5.37% 4.77%6/1/2017 4.34% 4.94% 4.18% 5.04% 5.48% 5.51% 6.14% 6.28% 7/1/2017 7/1/2017 8/1/2017 8/1/2017 9/1/2017 9/1/2017 10/1/2017 10/1/2017 11/1/2017 11/1/2017 12/1/2017 12/1/2017 Year‐to‐Date 1/1/2018 1/1/2018 Year‐to‐Date 2/1/2018 2/1/2018 3/1/2018 3/1/2018 4/1/2018 4/1/2018 Return onA GroupAverages: TrendsofHistoricalAsset Summary 5/1/2018 5/1/2018 6/1/2018 6/1/2018 7/1/2018 7/1/2018 8/1/2018 8/1/2018 9/1/2018 9/1/2018 10/1/2018 10/1/2018 11/1/2018 11/1/2018 12/1/2018 12/1/2018 1/1/2019 1/1/2019 2/1/2019 2/1/2019 3/1/2019 3/1/2019 4/1/2019 4/1/2019 5/1/2019 5/1/2019 19 9/30/19 19 9/30/19 6/1/2019 6/1/2019 September 30, 2019 7/1/2019 7/1/2019 8/1/2019 8/1/2019 9/1/2019 9/1/2019 Axis Title Axis Title Return on Avg Net Worth Return on Avg Net Worth 10.00% 12.00% 10.00% 12.00% 14.00% 0.00% 2.00% 4.00% 6.00% 8.00% 0.00% 2.00% 4.00% 6.00% 8.00% Asset Group B ‐ $251 to $500 million in Total Assets Asset Group D ‐ $1 billion and Over in Total Assets 6/30/17 9/30/17 12/31/17 3/31/18 6/30/18 9/30/18 12/31/18 3/31/19 6/30/ 6/30/17 9/30/17 12/31/17 3/31/18 6/30/18 9/30/18 12/31/18 3/31/19 6/30/ 8.59% 8.09%6/1/2017 8.54% 10.59% 10.59% 10.85% 10.16% 8.91% 9.13% 9.22% 6.49% 7.13%6/1/2017 6.89% 8.97% 8.23% 8.34% 7.77% 7.76% 7.99% 12.18% 7/1/2017 7/1/2017 NetWorth verage 8/1/2017 8/1/2017 9/1/2017 9/1/2017 10/1/2017 10/1/2017 11/1/2017 11/1/2017 12/1/2017 12/1/2017 Year‐to‐Date 1/1/2018 Year‐to‐Date 1/1/2018 2/1/2018 2/1/2018 3/1/2018 3/1/2018 4/1/2018 4/1/2018 5/1/2018 5/1/2018 6/1/2018 6/1/2018 7/1/2018 7/1/2018 Run Date: November 14, 2019 Date: November Run 8/1/2018 8/1/2018 9/1/2018 9/1/2018 10/1/2018 10/1/2018 11/1/2018 11/1/2018 Performance Graph-N Page 4 of 49 12/1/2018 12/1/2018 1/1/2019 1/1/2019 2/1/2019 2/1/2019 3/1/2019 3/1/2019 4/1/2019 4/1/2019 5/1/2019 5/1/2019 19 9/30/19 19 9/30/19 6/1/2019 6/1/2019 7/1/2019 7/1/2019 8/1/2019 8/1/2019 9/1/2019 9/1/2019 Performance Analysis September 30, 2019 Run Date: November 14, 2019 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 $51,841 $75 0.59% 4.27% 86.23% $68 $226 0.59% 4.33% 88.54% $68 Valley Oak Credit Union $52,502 $48 0.37% 3.97% 90.48% $56 $63 0.16% 1.74% 87.04% $53 California Community Credit Union $65,414 $114 0.70% 5.42% 79.82% $60 $340 0.71% 5.46% 76.93% $57 Menlo Survey Federal Credit Union $66,384 $275 1.66% 12.25% 46.58% $75 $768 1.55% 11.74% 49.30% $78 Chabot Federal Credit Union $68,037 $75 0.44% 2.83% 83.14% $133 $274 0.53% 3.56% 78.77% $125 Marin County Federal Credit Union $70,843 $243 1.38% 11.98% 62.48% $87 $683 1.30% 11.78% 61.80% $85 North Bay Credit Union $71,283 $215 1.26% 14.15% 83.78% $71 $523 1.13% 11.83% 84.37% $67 Polam Federal Credit Union $72,674 $84 0.46% 3.49% 85.87% $75 $288 0.53% 4.02% 84.18% $74 Kaiperm Federal Credit Union $72,681 ($75) (0.42%) (3.18%) 111.52% $89 ($137) (0.25%) (1.93%) 107.85% $86 Bay Cities Credit Union $73,052 $56 0.30% 3.21% 81.30% $69 $281 0.50% 5.44% 80.87% $71 Siskiyou Central Credit Union $76,317 $117 0.62% 6.07% 67.04% $56 $563 1.01% 10.01% 67.31% $56 Upward Credit Union $79,671 $111 0.57% 5.33% 84.86% $102 $470 0.79% 7.66% 80.42% $101 Shell Western States Federal Credit Union $81,467 $79 0.38% 3.52% 84.60% $124 $231 0.35% 3.49% 86.19% $127 Lassen County Federal Credit Union $81,987 $71 0.35% 2.22% 88.03% $83 $174 0.29% 1.84% 90.26% $87 Vision One Credit Union $86,823 $229 1.05% 7.84% 75.40% $168 $667 1.01% 7.76% 74.79% $167 First California Federal Credit Union $90,443 $65 0.29% 3.04% 78.94% $66 $400 0.58% 6.36% 77.84% $63 Tulare County Federal Credit Union $98,601 $106 0.43% 5.66% 87.91% $72 $302 0.40% 5.47% 87.12% $71 SMW 104 Federal Credit Union $102,806 $222 0.86% 10.70% 72.15% $138 $665 0.87% 10.96% 70.70% $134 SRI Federal Credit Union $110,106 $172 0.64% 7.23% 77.81% $109 $565 0.74% 8.16% 74.87% $102 United Local Credit Union $111,173 ($123) (0.44%) (2.52%) 82.84% $78 $302 0.36% 2.07% 82.41% $78 Mission City Federal Credit Union $111,225 $296 1.08% 13.21% 72.85% $92 $596 0.74% 9.19% 77.16%
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