Strength/Soundness KPMG Mutuals industry review 2019 datasheet Ranking Size Measures Growth Measures Profitability Measures Effeciency measures Credit Quality Measures Measures Increase / Increase / Non Interest Operating Doubtful Debt Total Provision for Net Loans and Increase / (Decrease) in (Decrease) Operating Operating Net Interest Income / Expenses9 / Expenses11 / Doubtful Debts / By Net Assets2 Capital Adequacy3 By Total Assets By Total Deposits4 advances/ Total (Decrease) in Total Operating Profit in Operating Profit Profit Before Profit After Income / Average Average Total Return on Average Total Average Average Gross By Net Assets By Total Assets Accounts1 $'000 Ratio $'000 $'000 Assets Assets Before Tax5 After Tax5 Tax5 Tax5 Total Assets6 Assets7 Equity8 Assets Cost to Income10 Gross Receivables Receivables12 Australian Military Bank Limited 23 19 Jun‐19 95,783 15.2% 1,387,315 1,239,955 83.6% 3.1% ‐19.9% ‐21.8% 5,845 4,150 2.0% 0.5% 4.4% 2.0% 79.8% 0.07% 0.21% Australian Military Bank Limited 23 19 Jun‐18 93,443 15.1% 1,346,248 1,233,865 84.1% 7.4% 2.8% ‐1.6% 7,473 5,180 2.2% 0.5% 5.7% 2.0% 73.1% 0.16% 0.16% Australian Unity Bank Limited (formerly Big Sky Building Society Limited)13 32 29 Jun‐19 65,148 16.1% 886,022 811,160 83.1% 14.0% ‐8.7% ‐8.4% 3,602 2,512 2.3% 0.3% 3.9% 2.2% 81.6% 0.07% 2.07% Australian Unity Bank Limited (formerly Big Sky Building Society Limited)13 32 30 Jun‐18 62,603 17.6% 777,441 708,593 83.7% ‐6.0% 65.3% 65.2% 3,932 2,750 2.5% 0.5% 4.5% 2.0% 67.5% 0.54% 2.17% B&E Ltd 30 27 Jun‐19 72,511 15.9% 993,179 753,985 85.5% 18.1% 45.1% 36.1% 3,167 2,302 2.1% 0.3% 3.2% 2.0% 84.4% 0.04% 0.01% B&E Ltd 30 28 Jun‐18 69,810 17.5% 840,784 645,816 83.7% 10.1% ‐54.0% ‐52.1% 2,326 1,587 2.2% 0.3% 2.3% 2.2% 88.2% 0.01% 0.01% Bank Australia Limited 7 7 Jun‐19 533,218 16.4% 6,332,262 5,275,948 82.7% 12.0% ‐12.6% ‐9.6% 32,778 22,822 1.8% 0.3% 4.4% 1.5% 72.8% 0.02% 0.07% Bank Australia Limited 7 9 Jun‐18 510,174 16.6% 5,652,030 4,640,757 83.1% 9.6% 11.1% 12.2% 36,262 26,102 1.9% 0.3% 5.2% 1.5% 69.2% 0.01% 0.04% Bank First14 13 12 Jun‐19 221,432 15.9% 2,690,195 2,448,483 81.5% 7.2% ‐7.6% ‐8.8% 15,522 11,004 2.1% 0.4% 5.2% 1.9% 74.9% 0.04% 0.07% 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% 72.8% 0.01% 0.02% BankVic15 15 16 Jun‐19 185,636 18.5% 2,062,823 1,850,261 80.7% 12.7% ‐10.8% ‐10.4% 16,054 11,270 2.3% 0.5% 6.2% 2.0% 70.4% 0.01% 0.26% BankVic15 15 16 Jun‐18 177,632 19.7% 1,830,317 1,595,735 78.8% 12.1% 14.3% 12.6% 17,909 12,637 2.4% 0.6% 7.4% 2.0% 65.3% 0.01% 0.08% Beyond Bank Australia 8 8 Jun‐19 509,127 17.4% 6,196,006 4,672,672 85.7% 6.4% ‐23.6% ‐15.7% 29,322 19,426 2.2% 0.4% 3.9% 2.1% 80.6% 0.07% 0.11% Beyond Bank Australia 8 8 Jun‐18 486,908 17.3% 5,823,060 4,360,412 86.8% 7.5% 2.9% 2.4% 34,801 25,441 2.2% 0.4% 5.5% 2.0% 76.6% 0.08% 0.08% Community First Credit Union 24 26 Jun‐19 92,810 15.1% 1,097,498 994,652 79.9% 2.9% ‐45.3% ‐51.1% 1,433 1,203 2.2% 0.6% 1.3% 2.7% 94.0% 0.05% 0.17% Community First Credit Union 24 24 Jun‐18 88,843 15.4% 1,066,278 966,072 76.1% 12.2% ‐12.3% ‐9.8% 2,932 2,201 2.2% 0.7% 2.6% 2.5% 88.4% 0.06% 0.18% Coastline Credit Union Ltd 38 38 Jun‐19 41,063 14.1% 537,962 490,669 82.6% 6.9% 6.3% 6.2% 4,505 3,300 2.5% 0.4% 8.3% 2.1% 70.3% 0.01% 0.14% Coastline Credit Union Ltd 38 38 Jun‐18 38,065 14.2% 503,031 458,517 83.0% 9.0% 30.4% 24.5% 4,243 3,103 2.5% 0.5% 8.5% 2.1% 69.7% 0.03% 0.18% Illawarra Credit Union16 37 35 Jun‐19 45,322 17.7% 644,412 593,043 78.7% 4.0% ‐18.8% ‐21.6% 1,638 1,181 2.1% 0.3% 2.6% 2.1% 89.0% 0.00% 0.04% Illawarra Credit Union16 36 34 Jun‐18 44,193 15.3% 619,716 570,166 83.1% ‐6.7% 196.3% 165.2% 2,090 1,455 2.1% 0.3% 3.3% 2.1% 87.2% ‐0.01% 0.02% Credit Union SA Ltd 21 20 Jun‐19 105,788 18.0% 1,281,111 1,065,309 76.9% 10.4% ‐10.5% ‐6.1% 5,327 3,814 2.0% 0.6% 3.7% 2.1% 82.2% 0.02% 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 Australia Limited 1 1 Jun‐19 983,084 14.3% 17,435,211 10,587,500 77.1% 11.6% ‐25.1% ‐13.9% 59,845 39,095 1.6% 0.1% 4.0% 1.3% 73.5% 0.07% 0.16% Credit Union Australia Limited 1 1 Jun‐18 961,407 14.3% 15,617,933 9,231,009 78.8% 9.0% 5.1% 2.4% 69,469 52,165 1.7% 0.1% 5.6% 1.3% 71.2% 0.08% 0.08% Defence Bank Limited 16 13 Jun‐19 179,243 14.3% 2,500,301 2,092,438 85.5% 9.8% 2.5% 2.8% 14,346 10,042 1.9% 0.3% 5.8% 1.7% 73.1% 0.01% 0.03% Defence Bank Limited 16 13 Jun‐18 169,418 14.8% 2,277,826 1,953,896 85.5% 12.1% 4.1% 6.0% 13,961 9,794 2.1% 0.4% 6.0% 1.8% 72.9% 0.01% 0.02% Endeavour Mutual Ltd 25 34 Jun‐19 87,648 26.7% 645,654 548,675 73.4% 1.0% ‐15.4% ‐15.9% 2,575 1,866 2.5% 0.3% 2.2% 2.4% 85.9% 0.02% 0.24% Endeavour Mutual Ltd 25 33 Jun‐18 82,724 25.8% 639,250 545,366 72.5% 1.9% 52.5% 60.9% 3,061 2,206 2.5% 0.4% 2.7% 2.4% 83.0% 0.02% 0.03% Family First Credit Union Limited 44 44 Jun‐19 12,290 15.8% 157,329 139,564 79.3% 17.2% 20.2% 20.5% 1,022 743 2.9% 0.5% 6.3% 2.7% 79.4% 0.01% 0.08% Family First Credit Union Limited 44 44 Jun‐18 11,377 16.8% 134,209 119,683 78.5% 6.3% 40.8% 40.2% 848 618 3.0% 0.7% 5.6% 3.0% 81.6% 0.04% 0.11% G&C Mutual Bank Limited 19 23 Jun‐19 110,480 17.1% 1,193,999 1,022,537 61.4% 6.5% 36.6% 36.9% 9,316 6,536 2.2% 0.4% 6.1% 1.7% 64.7% 0.20% 0.35% G&C Mutual Bank Limited 19 21 Jun‐18 104,760 18.2% 1,120,680 957,737 63.2% 3.0% 32.9% 33.0% 6,804 4,786 2.2% 0.4% 4.7% 1.8% 69.4% 0.29% 0.17% Gateway Bank Ltd 22 25 Jun‐19 104,849 19.1% 1,122,905 858,182 85.2% 5.5% ‐15.8% ‐18.4% 3,011 2,098 1.6% 0.1% 2.0% 1.4% 78.3% 0.12% 0.25% Gateway Bank Ltd 20 25 Jun‐18 103,544 20.4% 1,064,121 746,395 83.9% 2.4% 7.7% 14.5% 3,692 2,493 1.7% 0.1% 2.4% 1.4% 76.1% 0.09% 0.10% Greater Bank Limited 6 6 Jun‐19 548,264 17.8% 7,161,631 6,141,175 79.8% 6.7% ‐8.1% ‐8.6% 44,740 31,452 2.2% 0.3% 5.9% 1.8% 73.8% 0.01% 0.08% Greater Bank Limited 6 6 Jun‐18 515,124 17.4% 6,711,157 5,757,508 80.3% 6.8% 19.5% 19.8% 48,925 34,214 2.2% 0.4% 6.9% 1.9% 71.3% 0.00% 0.02% Heritage Bank Ltd 4 3 Jun‐19 575,726 14.4% 10,088,482 7,738,886 84.0% 5.9% ‐3.9% ‐3.9% 61,708 43,275 1.9% 0.3% 7.8% 1.6% 71.5% 0.01% 0.11% Heritage Bank Ltd 4 3 Jun‐18 533,399 14.1% 9,524,363 7,149,791 84.8% 1.6% 13.7% 14.0% 64,213 45,041 1.9% 0.4% 8.8% 1.6% 70.6% 0.01% 0.11% Holiday Coast Credit Union Ltd 36 36 Jun‐19 45,340 14.7% 631,459 578,771 76.2% 3.9% ‐28.0% ‐28.2% 2,295 1,606 2.7% 0.5% 3.6% 2.9% 88.6% 0.00% 0.07% Holiday Coast Credit Union Ltd 37 36 Jun‐18 44,145 14.5% 607,657 556,556 75.1% 3.2% 43.5% 44.9% 3,196 2,231 2.6% 0.6% 5.2% 2.7% 82.8% 0.03% 0.00% Horizon Credit Union Ltd 40 39 Jun‐19 26,210 14.5% 375,148 344,165 83.0% 8.7% ‐0.2% 8.0% 1,868 1,360 2.5% 0.8% 5.4% 2.8% 84.2% 0.02% 0.01% Horizon Credit Union Ltd 41 39 Jun‐18 24,427 15.0% 345,005 313,955 81.8% 2.2% 16.0% 4.9% 1,729 1,363 2.6% 0.8% 5.8% 2.9% 85.1% 0.00% 0.00% Hume Bank Limited 28 22 Jun‐19 80,848 14.4% 1,208,275 1,112,521 75.2% 9.4% 19.7% 15.0% 6,913 5,009 2.3% 0.5% 6.4% 2.2% 77.6% 0.04% 0.05% Hume Bank Limited 29 22 Jun‐18 75,776 14.5% 1,104,110 1,016,352 75.3% 5.0% 6.2% 5.0% 6,013 4,183 2.4% 0.5% 5.7% 2.3% 79.9% 0.03% 0.04% IMB Limited 9 9 Jun‐19 362,708 15.5% 6,077,077 5,266,418 81.0% 2.8% 0.5% 0.5% 45,401 31,732 2.1% 0.2% 9.0% 1.5% 66.1% 0.03% 0.11% IMB Limited 9 7 Jun‐18 343,687 16.1% 5,912,182 4,993,265 77.3% 3.5% 15.0% 15.1% 45,184 31,561 2.1% 0.2% 9.4% 1.5% 65.7% 0.03% 0.11% Macarthur Credit Union Ltd 41 43 Jun‐19 25,317 20.0% 253,844 225,869 72.9% 0.0% ‐47.8% ‐55.0% 195 154 2.8% 0.5% 0.6% 2.9% 89.0% 0.10% 0.10% Macarthur Credit Union Ltd 40 43 Jun‐18 24,744 19.6% 253,733 227,111 65.2% 1.8% ‐46.8% ‐40.1% 433 295 2.7% 0.6% 1.2% 3.0% 91.2% 0.06% 0.06% The Mutual Bank17 35 31 Jun‐19 49,678 15.2% 764,494 647,308 77.6% 13.8% 112.1% 85.5% 6,491 5,195 2.2% 0.3% 11.0% 1.8% 72.2% 0.00% 0.04% The Mutual Bank17 35 32 Jun‐18 44,483 15.6% 672,078 583,695 78.3% 4.8% 2.8% 2.9% 3,499 2,449 2.1% 0.3% 5.7% 1.8% 76.4% 0.03% 0.04% MOVE Bank18 31 33 Jun‐19 65,508 20.7% 671,203 603,904 73.9% 9.2% 84.9% 79.9% 2,348 1,725 1.9% 0.3% 2.7% 1.7% 79.0% 0.12% 0.27% MOVE Bank18 31 35 Jun‐18 63,264 21.5% 614,446 549,283 80.4% ‐0.3% ‐21.5% ‐24.2% 1,305 933 2.1% 0.3% 1.5% 2.0% 85.1% 0.18% 0.25% Newcastle Permanent Building Society Ltd 2 2 Jun‐19 982,670 20.1% 10,832,330 8,478,794 84.0% 1.1% ‐17.0% ‐14.3% 53,178 35,687 1.8% 0.2% 3.7% 1.4% 71.7% 0.01% 0.03% Newcastle Permanent Building Society Ltd 2 2 Jun‐18 954,293 20.1% 10,716,100 8,242,302 84.6% ‐1.5% 11.2% 12.1% 62,041 43,012 1.8% 0.2% 4.6% 1.3% 67.5% 0.00% 0.02% Nexus Mutual 43 40 Jun‐19 19,599 14.0% 348,335 325,139 81.1% 7.8% ‐7.0% ‐7.3% 1,589 1,157 1.9% 0.2% 6.1% 1.6% 77.6% 0.00% 0.00% Nexus Mutual 43 41 Jun‐18 18,515 14.3% 323,252 301,618 73.8% 6.1% ‐21.8% ‐25.7% 1,715 1,244 1.9% 0.3% 7.0% 1.6% 75.0% 0.00% 0.00% Northern Inland Credit Union Ltd 39 42 Jun‐19 39,357 22.9% 313,542 267,586 77.5% 9.2% ‐4.4% ‐7.5% 1,417 1,028 3.0% 0.7% 2.7% 3.2% 86.9% 0.01% 0.02% Northern Inland Credit Union Ltd 39 42 Jun‐18 36,177 22.0% 287,128 245,429 80.2% 8.0% ‐10.7% ‐10.9% 1,532 1,075 3.2% 0.8% 3.0% 3.4% 86.2% ‐0.01% 0.01% P&N Bank19 10 10 Jun‐19 290,645 14.9% 4,268,098 3,176,461 86.1% 2.9% ‐14.3% ‐11.2% 14,907 10,369 1.8% 0.4% 3.6% 1.8% 82.1% 0.04% 0.17% P&N Bank19 10 10 Jun‐18 285,815 15.4% 4,149,210 2,970,662 85.6% 4.1% 9.8% 22.8% 16,783 12,103 1.8% 0.5% 4.3% 1.7% 77.9% 0.09% 0.13% People's Choice Credit Union20 3 4 Jun‐19 618,829 15.1% 8,810,188 6,421,521 87.0% 5.0% ‐34.4% ‐25.1% 33,126 21,084 2.1% 0.7% 3.5% 2.4% 85.4% 0.04% 0.11% People's Choice Credit Union20 3 4 Jun‐18 603,042 15.3% 8,390,573 6,113,791 86.7% 6.3% ‐2.8% ‐4.0% 44,200 32,161 2.1% 0.8% 5.5% 2.4% 80.7% 0.06% 0.07% Police Bank Ltd 14 17 Jun‐19 203,190 19.1% 2,017,446 1,690,526 83.6% 5.58% ‐71.2% ‐64.0% 4,361 2,430 2.4% 0.6% 1.2% 2.7% 90.2% 0.08% 0.17% Police Bank Ltd 14 15 Jun‐18 200,247 19.4% 1,910,898 1,599,182 75.4% 13.7% 1.8% ‐0.1% 12,109 8,439 2.4% 0.6% 4.4% 2.4% 76.8% 0.04% 0.04% Police Credit Union Limited 27 24 Jun‐19 83,314 14.0% 1,135,104 1,039,990 84.7% 9.1% 8.5% 9.3% 6,931 4,852 2.1% 0.6% 6.0% 2.0% 76.0% 0.01% 0.10% Police Credit Union Limited 27 26 Jun‐18 78,469 14.7% 1,040,734 953,661 82.5% 10.3% ‐11.7% ‐10.6% 6,342 4,470 2.2% 0.6% 5.9% 2.1% 76.2% 0.02% 0.05% Q Bank 29 30 Jun‐19 80,656 20.7% 857,887 730,571 81.3% 2.2% ‐24.3% ‐22.3% 3,579 2,604 2.0% 0.5% 3.3% 2.1% 82.2% 0.03% 0.07% Q Bank 28 29 Jun‐18 78,255 19.9% 839,711 735,298 82.8% 2.5% 40.2% 34.0% 4,607 3,438 2.1% 0.6% 4.5% 2.1% 79.0% 0.00% 0.02% Qudos 11 11 Jun‐19 268,337 15.0% 4,038,284 3,606,457 80.7% 7.3% 1157.4% 1114.4% 24,931 17,641 1.7% 0.2% 6.7% 1.3% 66.2% 0.02% 0.26% Qudos 11 11 Jun‐18 255,949 14.4% 3,763,343 3,363,502 80.9% 6.8% ‐87.3% ‐86.9% 2,053 1,403 1.8% 0.3% 0.5% 2.0% 96.7% 0.02% 0.04% Queensland Country Credit Union 12 14 Jun‐19 254,796 16.2% 2,294,391 1,991,576 79.8% 5.9% 68.2% 46.3% 11,548 7,792 2.3% 6.3% 3.1% 8.0% 93.3% 0.07% 0.34% Queensland Country Credit Union 12 14 Jun‐18 245,187 15.8% 2,167,525 1,881,212 80.6% 24.5% 144.5% 51.3% 7,893 4,633 2.3% 6.5% 2.1% 8.4% 95.2% 0.05% 0.19% RACQ Bank 17 15 Jun‐19 159,407 15.4% 2,122,558 1,797,838 82.3% 21.4% 16.6% 3.8% ‐ 13,929 ‐ 10,723 2.0% 0.2% ‐6.6% 3.0% 131.6% 0.01% 0.10% RACQ Bank 17 17 Jun‐18 166,139 17.9% 1,748,409 1,475,377 84.5% ‐3.1% ‐735.4% ‐920.2% ‐ 13,418 ‐ 9,200 2.1% 0.3% ‐5.8% 3.2% 131.2% 0.00% 0.02% Regional Aus. 18 18 Jun‐19 124,821 15.8% 1,517,596 1,372,558 84.4% 8.2% ‐3.6% ‐2.9% 12,539 8,864 2.8% 0.5% 7.4% 2.4% 73.8% 0.08% 0.33% Regional Aus. 18 18 Jun‐18 116,330 16.2% 1,403,108 1,269,157 81.5% 7.0% 12.9% 9.9% 12,915 9,192 2.9% 0.5% 8.2% 2.4% 71.3% 0.07% 0.24% Southern Cross Credit Union 34 37 Jun‐19 56,243 19.0% 578,014 515,770 87.1% 10.7% 4.4% ‐0.5% 4,321 3,199 2.3% 0.5% 5.9% 1.7% 58.5% 0.06% 0.16% Southern Cross Credit Union 34 37 Jun‐18 52,752 19.3% 521,961 463,631 85.3% 8.3% 2.8% 3.0% 4,342 3,063 2.4% 0.6% 6.0% 1.8% 59.0% 0.05% 0.14% Summerland Credit Union 33 32 Jun‐19 61,567 16.5% 748,489 653,836 80.6% 8.6% 4.0% 7.4% 4,550 3,222 2.4% 0.6% 5.3% 2.4% 79.0% 0.00% 0.13% Summerland Credit Union 33 31 Jun‐18 59,094 16.8% 689,150 598,864 81.7% 3.5% 43.8% 38.9% 4,235 3,097 2.5% 0.6% 5.4% 2.5% 79.6% 0.00% 0.02% Sydney Credit Union/Sydney Mutual Bank 26 28 Jun‐19 87,369 17.3% 933,985 833,583 79.2% 7.7% ‐61.9% ‐59.3% 2,192 1,477 2.5% 0.3% 1.8% 2.4% 88.3% 0.10% 0.44% Sydney Credit Union/Sydney Mutual Bank 26 27 Jun‐18 80,659 16.9% 867,529 771,619 78.4% 0.1% 79.6% 84.9% 5,385 3,876 2.5% 0.6% 4.9% 2.5% 78.7% 0.06% 0.08% Teachers 5 5 Jun‐19 548,549 14.8% 8,041,748 6,570,030 80.8% 13.8% ‐14.9% ‐14.5% 38,649 27,064 2.0% 0.3% 5.0% 1.8% 76.9% 0.03% 0.07% Teachers 5 5 Jun‐18 525,385 15.7% 7,068,765 5,813,647 84.8% 5.8% 14.1% 13.2% 45,211 31,799 2.1% 0.3% 6.2% 1.8% 71.7% 0.04% 0.05% The Capricornian 42 41 Jun‐19 25,137 14.0% 348,084 319,676 83.3% 4.4% 17.8% 13.4% 2,267 1,667 2.5% 0.6% 6.8% 2.4% 77.8% 0.02% 0.08% The Capricornian 42 40 Jun‐18 23,902 13.9% 333,437 306,555 84.7% 10.7% 7.6% 6.9% 2,000 1,415 2.6% 0.5% 6.1% 2.4% 76.3% 0.12% 0.17% Unity Bank21 20 21 Jun‐19 109,855 16.5% 1,222,335 1,073,067 80.5% 12.1% 2.4% 22.1% 5,909 4,250 2.8% 0.5% 4.0% 2.7% 82.9% 0.06% 0.14% Unity Bank21 21 23 Jun‐18 100,744 17.1% 1,090,505 977,658 81.8% 3.1% 89.5% 53.1% 4,840 4,151 2.8% 0.5% 4.2% 2.8% 85.1% 0.06% 0.10%

1. Information has been extracted from published annual reports (at a consolidated level where applicable). Parent numbers have been used in limited cases where they are a better reflection of results. In limited cases, KPMG has adjusted a number of balances to reflect significant one‐off event. All figures for the current and prior year are reported under AIFRS and in Australian dollars. All of the results reported in the report were for a 12‐month period. 2. Net assets include other equity interests. 3. Capital adequacy ratio has been calculated under the APRA’s risk based measures. 4. Total Deposits is taken from the balance sheet and includes all deposits, such as retail, non‐retail and other deposits. 5. Operating profit before tax is before outside equity interests. 6. Net interest income is interest income less interest expense 7. Non‐interest income is all revenue less interest income. 8. Return on equity has been calculated as profit after tax as a percentage of average net assets. 9. Operating expenses are total expenses (before tax) less interest expense and doubtful debts. 10. Cost‐to‐income ratio has been calculated as operating expenses as a percentage of operating income 11. Doubtful debts expense is the charge to the statement of financial performance for bad debts and provisions for doubtful debts. 12. Gross receivables includes loans, advances, lease receivables (net of unearned income) and accrued interest on loans and advances but excludes sundry debtors, prepayments and accrued interest. 13. Prior to October 2018, Australian Unity Bank Limited was registered under the name Big Sky Building Society Limited. 14. Prior to December 2017, Bank First was registered under the name Victoria Teachers Mutual Bank. 15. Registered name is Police Financial Services Limited (formerly Police Association Credit Cooperative Limited). 16. Community Alliance Credit Union Limited trading as Illawarra Credit Union. 17. Maitland Mutual Limited trading as The Mutual Bank. 18. Railways Credit Union Ltd ‐ trading as MOVE Bank. 19. Formerly known as Police & Nurses Credit Society Ltd. 20. People's Choice Credit Union, a trading name of Australian Central Credit Union Ltd. 21. In December 2018, Central Coast Credit Union merged with Unity Bank.

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