KPMG Mutuals Industry Review 2020 Datasheet Ranking Strength/Soundness Measures Size Measures Growth Measures Profitability Measures Efficiency Measures Credit Quality Measures

Increase / Increase / Operating Operating Operating Doubtful Debt Total Provision for Net Loans and Increase / Net Interest Non-interest Return on Net Assets2 Capital Adequacy Total Assets Total Deposits4 (Decrease) in (Decrease) in Profit Before Profit After Expenses9 / Cost to Income Expenses11 / Doubtful Debts / Company Name By Net Assets By Total Assets Accounts1 Advances/ Total (Decrease) in Total Income6 / Average Income7 / Average Equity8 $'000 Ratio3 $'000 $'000 Operating Profit Operating Profit Tax5 Tax5 Average Total Ratio10 Average Gross Average Gross Assets Assets Total Assets Total Assets Before Tax5 After Tax5 $'000 $'000 Assets Receivables12 Receivables12 Australian Military Ltd 24 21 Jun-20 98,201 15.11% 1,461,121 1,311,949 82.83% 5.32% (39.95%) (40.51%) 3,510 2,469 2.04% 0.43% 2.55% 2.07% 83.51% 0.17% 0.25% Australian Military Bank Ltd 24 20 Jun-19 95,783 15.21% 1,387,315 1,239,955 83.59% 3.05% (21.79%) (19.88%) 5,845 4,150 2.05% 0.46% 4.39% 2.00% 79.79% 0.07% 0.21% 13 Australian Mutual Bank Ltd 18 19 Jun-20 175,921 21.53% 1,658,624 1,458,238 70.87% 77.59% (94.71%) (89.44%) 116 156 2.49% 0.32% 0.12% 2.42% 97.94% 0.07% 0.52% 13 Endeavour Mutual Bank 26 35 Jun-19 87,648 26.74% 645,654 548,675 73.39% 1.00% (15.88%) (15.41%) 2,575 1,866 2.52% 0.32% 2.19% 2.44% 85.90% 0.02% 0.24% 13 Mutual Bank 27 29 Jun-19 87,369 17.33% 933,985 833,583 79.21% 7.66% (59.29%) (61.89%) 2,192 1,477 2.45% 0.30% 1.76% 2.43% 88.33% 0.10% 0.44% Australian Unity Bank Ltd 30 28 Jun-20 75,005 14.43% 1,133,863 1,055,989 80.41% 27.97% (25.96%) (26.07%) 2,667 1,857 1.93% 0.25% 2.65% 1.91% 87.88% 0.32% 1.96% Australian Unity Bank Ltd 33 30 Jun-19 65,148 16.07% 886,022 811,160 83.12% 13.97% (8.39%) (8.65%) 3,602 2,512 2.25% 0.33% 3.93% 2.19% 84.79% 0.07% 2.07% Bank of us 29 26 Jun-20 75,298 14.54% 1,148,823 902,196 80.71% 15.67% 18.54% 20.80% 3,754 2,781 2.06% 0.25% 3.84% 1.84% 79.70% 0.14% 0.11% Bank of us 31 28 Jun-19 72,511 15.87% 993,179 753,985 85.49% 18.13% 36.14% 45.08% 3,167 2,302 2.15% 0.27% 3.24% 2.04% 84.43% 0.04% 0.01% Bank Ltd 7 7 Jun-20 554,601 15.81% 7,201,302 5,917,585 77.25% 13.72% (17.29%) (13.97%) 27,111 19,633 1.69% 0.26% 3.61% 1.43% 73.49% 0.14% 0.20% Ltd 7 7 Jun-19 533,218 16.39% 6,332,262 5,275,948 82.66% 12.04% (9.61%) (12.57%) 32,778 22,822 1.83% 0.26% 4.37% 1.52% 72.85% 0.02% 0.07% 12 13 Jun-20 233,070 15.62% 2,858,727 2,604,343 78.09% 6.26% (14.05%) (14.90%) 13,341 9,364 1.93% 0.40% 4.12% 1.85% 79.34% 0.13% 0.15% Bank First 12 12 Jun-19 221,432 15.90% 2,690,195 2,448,483 81.47% 7.21% (8.77%) (7.63%) 15,522 11,004 2.08% 0.44% 5.15% 1.89% 74.98% 0.04% 0.07% 14 BankVic 14 17 Jun-20 195,721 18.10% 2,308,025 2,030,854 74.81% 11.89% (12.79%) (10.51%) 14,000 10,085 2.12% 0.44% 5.29% 1.81% 70.50% 0.15% 0.38% 14 BankVic 14 16 Jun-19 185,636 18.50% 2,062,823 1,850,261 80.69% 12.70% (10.36%) (10.82%) 16,054 11,270 2.29% 0.53% 6.20% 2.01% 71.15% (0.01%) 0.26% 15 8 8 Jun-20 549,438 17.09% 7,072,124 5,318,909 83.26% 14.14% 3.85% 29.58% 35,292 25,172 2.00% 0.37% 4.76% 1.85% 77.69% 0.07% 0.14% 15 Beyond Bank Australia 8 8 Jun-19 509,127 17.43% 6,196,006 4,672,672 85.74% 6.40% (2.35%) (23.64%) 33,982 19,426 2.17% 0.37% 3.90% 1.98% 77.80% 0.07% 0.11% 15 Nexus Mutual 48 41 Jun-19 19,599 13.95% 348,335 325,139 81.11% 7.76% (7.35%) (6.99%) 1,589 1,157 1.87% 0.24% 6.07% 1.64% 77.57% 0.00% 0.00% Coastline Credit Union Ltd 36 36 Jun-20 44,206 14.08% 623,884 568,403 79.21% 15.97% (3.55%) (5.42%) 4,345 3,121 2.34% 0.39% 7.32% 2.06% 75.56% 0.01% 0.17% Coastline Credit Union Ltd 39 39 Jun-19 41,063 14.09% 537,962 490,669 82.63% 6.94% 6.17% 6.35% 4,505 3,300 2.51% 0.43% 8.34% 2.07% 70.32% 0.01% 0.14% Community First Credit Union 25 27 Jun-20 96,087 14.90% 1,137,889 1,006,146 74.12% 3.68% (18.42%) (10.39%) 1,169 1,078 2.15% 0.60% 1.14% 2.60% 94.32% 0.07% 0.19% Community First Credit Union 25 27 Jun-19 92,810 15.10% 1,097,498 994,652 79.89% 2.93% (51.13%) (45.34%) 1,433 1,203 2.22% 0.61% 1.32% 2.67% 94.02% 0.05% 0.17% Credit Union Australia Ltd 1 1 Jun-20 1,026,323 14.38% 19,497,108 11,078,692 69.63% 11.83% (19.48%) (4.10%) 48,187 37,493 1.45% 0.11% 3.73% 1.20% 76.73% 0.14% 0.25% Credit Union Australia Ltd 1 1 Jun-19 983,084 14.30% 17,435,211 10,587,500 77.07% 11.64% (13.85%) (25.06%) 59,845 39,095 1.57% 0.13% 4.02% 1.29% 75.65% 0.07% 0.16% Credit Union SA Ltd 22 20 Jun-20 108,795 18.49% 1,471,494 1,072,056 64.48% 14.86% (42.86%) (38.94%) 3,044 2,329 1.53% 0.61% 2.17% 1.84% 85.76% 0.12% 0.17% Credit Union SA Ltd 22 21 Jun-19 105,788 17.98% 1,281,111 1,065,309 76.92% 10.43% (6.15%) (10.51%) 5,327 3,814 1.98% 0.57% 3.70% 2.10% 82.22% 0.02% 0.07% Defence Bank Ltd 15 14 Jun-20 188,979 13.90% 2,759,930 2,204,707 83.77% 10.38% (0.17%) 0.14% 14,322 10,056 1.82% 0.30% 5.46% 1.56% 73.26% 0.03% 0.05% Defence Bank Ltd 15 13 Jun-19 179,243 14.30% 2,500,301 2,092,438 85.52% 9.77% 2.76% 2.53% 14,346 10,042 1.92% 0.34% 5.76% 1.65% 73.08% 0.01% 0.03% Family First Credit Union Ltd 44 44 Jun-20 12,919 15.30% 172,089 151,417 77.65% 9.38% (10.72%) (9.45%) 912 673 2.64% 0.45% 5.34% 2.44% 78.96% 0.12% 0.15% Family First Credit Union Ltd 49 49 Jun-19 12,290 15.80% 157,329 139,564 79.27% 17.23% 20.49% 20.22% 1,022 743 2.89% 0.55% 6.28% 2.73% 79.37% 0.01% 0.08% G&C Mutual Bank Ltd 20 24 Jun-20 116,528 16.91% 1,294,383 1,124,736 60.35% 8.41% (8.43%) (4.83%) 8,531 6,220 2.00% 0.35% 5.48% 1.65% 70.29% 0.02% 0.21% G&C Mutual Bank Ltd 20 24 Jun-19 110,480 17.11% 1,193,999 1,022,537 61.36% 6.54% 36.92% 36.56% 9,316 6,536 2.25% 0.38% 6.07% 1.70% 64.68% 0.20% 0.35% Gateway Bank Ltd 23 29 Jun-20 107,458 19.84% 1,091,349 797,948 83.75% (2.81%) 28.40% 34.13% 3,866 2,814 1.67% 0.11% 2.65% 1.30% 72.84% 0.16% 0.32% Gateway Bank Ltd 23 26 Jun-19 104,849 19.10% 1,122,905 858,182 85.21% 5.52% (18.45%) (15.84%) 3,011 2,098 1.62% 0.11% 2.01% 1.35% 78.28% 0.12% 0.25% 16 Geelong Bank 45 45 Jun-20 11,105 14.75% 161,419 146,034 69.77% 11.41% (1.77%) 3.83% 500 380 1.76% 0.36% 3.49% 1.75% 82.55% 0.06% 0.08% 16 Geelong Bank 50 50 Jun-19 10,690 15.30% 144,889 132,709 73.53% 7.09% (26.23%) (8.73%) 509 366 1.96% 0.39% 3.56% 1.99% 84.54% 0.00% 0.03% Ltd 6 6 Jun-20 570,678 17.71% 7,519,960 6,449,234 77.25% 5.00% (25.86%) (26.52%) 33,168 23,110 2.14% 0.28% 4.13% 1.92% 79.17% 0.07% 0.15% Greater Bank Ltd 6 6 Jun-19 548,264 17.77% 7,161,631 6,141,175 79.78% 6.71% (8.55%) (8.07%) 44,740 31,452 2.17% 0.32% 5.92% 1.84% 73.83% 0.01% 0.08% Ltd 4 3 Jun-20 610,593 14.83% 10,738,948 8,423,323 80.48% 6.48% (16.26%) (16.19%) 51,672 36,269 1.89% 0.30% 6.11% 1.69% 77.28% 0.14% 0.24% Heritage Bank Ltd 4 3 Jun-19 575,726 14.42% 10,085,055 7,738,886 83.98% 5.89% (3.90%) (3.92%) 61,708 43,275 1.89% 0.32% 7.80% 1.58% 71.54% 0.02% 0.11% Horizon Credit Union Ltd 38 37 Jun-20 27,419 14.02% 429,639 388,945 77.69% 14.53% (9.43%) (7.30%) 1,692 1,260 2.40% 0.61% 4.70% 2.59% 86.02% 0.05% 0.06% Horizon Credit Union Ltd 42 40 Jun-19 26,210 14.53% 375,148 344,165 82.96% 8.74% 8.03% (0.25%) 1,868 1,360 2.54% 0.76% 5.37% 2.77% 84.25% 0.02% 0.01% Ltd 27 23 Jun-20 85,142 14.38% 1,341,934 1,240,544 70.92% 11.06% (17.55%) (22.22%) 5,700 3,896 2.09% 0.43% 4.69% 1.91% 76.06% 0.21% 0.24% Hume Bank Ltd 29 23 Jun-19 80,848 14.38% 1,208,275 1,112,521 75.21% 9.43% 14.97% 19.75% 6,913 5,009 2.31% 0.49% 6.40% 2.17% 77.61% 0.04% 0.05% 17 Illawarra Credit Union 35 34 Jun-20 45,951 15.96% 651,884 588,083 73.77% 1.16% (49.51%) (47.59%) 827 619 2.17% 0.32% 1.36% 2.35% 94.56% 0.01% 0.04% 17 Illawarra Credit Union 38 36 Jun-19 45,322 17.73% 644,412 593,043 78.71% 3.99% (21.63%) (18.83%) 1,638 1,181 2.07% 0.32% 2.64% 2.13% 88.99% 0.00% 0.04% 18 IMB Ltd 10 9 Jun-20 411,677 16.00% 6,786,590 5,871,469 79.43% 11.68% (17.00%) (17.02%) 37,685 26,331 2.02% 0.21% 6.80% 1.56% 70.13% 0.10% 0.19% 18 IMB Ltd 9 9 Jun-19 362,708 15.50% 6,077,077 5,266,418 81.03% 2.79% 0.48% 0.54% 45,401 31,732 2.08% 0.23% 8.98% 1.53% 66.14% 0.03% 0.11% 18 Hunter United Employees' Credit Union Ltd 46 43 Jun-19 24,623 14.62% 333,350 306,752 81.47% 1.09% (46.92%) (46.35%) 284 204 2.14% 0.26% 0.83% 2.32% 96.44% 0.02% 0.03% Lysaght Credit Union 46 46 Mar-20 8,893 19.78% 94,715 82,594 80.92% 7.46% (21.91%) (20.96%) 316 230 2.18% (0.26%) 2.62% 1.58% 82.04% 0.13% 0.15% Lysaght Credit Union 51 51 Mar-19 8,683 19.77% 88,142 78,608 80.06% 0.00% 0.00% 0.00% 404 291 4.67% (0.50%) 6.70% 3.25% 78.00% 0.03% 0.02% Macarthur Credit Union Ltd 42 41 Jun-20 25,649 18.64% 282,529 254,557 64.17% 11.30% 82.83% 59.29% 357 245 2.44% 0.27% 0.96% 2.55% 93.94% 0.05% 0.09% Macarthur Credit Union Ltd 44 46 Jun-19 25,317 20.03% 253,844 225,869 72.89% 0.04% (54.96%) (47.76%) 195 154 2.77% 0.27% 0.62% 2.90% 95.31% 0.10% 0.10% 19 MOVE Bank 31 33 Jun-20 67,068 21.17% 663,748 579,384 73.89% (1.11%) (14.34%) (14.09%) 2,011 1,482 1.77% 0.24% 2.24% 1.70% 84.74% 0.01% 0.18% 19 MOVE Bank 32 34 Jun-19 65,508 20.66% 671,203 603,904 73.89% 9.24% 79.92% 84.89% 2,348 1,725 1.90% 0.27% 2.68% 1.72% 79.03% 0.12% 0.27% 20 The Mutual Bank 34 32 Jun-20 53,081 14.97% 840,164 688,975 73.15% 9.90% (28.21%) (34.49%) 4,660 3,403 2.03% 0.23% 6.62% 1.69% 74.40% 0.02% 0.05% 20 The Mutual Bank 36 32 Jun-19 49,678 15.17% 764,494 647,308 77.58% 13.75% 85.51% 112.13% 6,491 5,195 2.20% 0.29% 11.03% 1.80% 72.17% 0.00% 0.04% Newcastle Permanent Ltd 2 2 Jun-20 1,018,386 21.20% 11,101,344 8,773,603 79.69% 2.48% (17.32%) 0.00% 43,966 35,687 1.78% 0.15% 3.57% 1.48% 76.63% 0.06% 0.09% Newcastle Permanent Building Society Ltd 2 2 Jun-19 982,670 20.10% 10,832,330 8,478,794 84.01% 1.08% (14.29%) (17.03%) 53,178 35,687 1.82% 0.20% 3.68% 1.45% 71.67% 0.01% 0.03% Northern Inland Credit Union Ltd 37 40 Jun-20 40,622 19.83% 355,250 303,955 73.02% 13.30% 19.16% 23.15% 1,689 1,265 2.52% 0.61% 3.16% 2.56% 81.79% 0.09% 0.10% Northern Inland Credit Union Ltd 40 44 Jun-19 39,357 22.85% 313,542 267,586 77.53% 9.20% (7.49%) (4.42%) 1,417 1,028 2.99% 0.67% 2.72% 3.19% 86.91% 0.01% 0.02% Orange Credit Union Ltd 39 42 Jun-20 27,042 23.18% 230,024 201,516 63.35% 7.55% (62.86%) (62.76%) 330 242 2.78% 0.54% 0.90% 3.07% 92.33% 0.17% 0.25% Orange Credit Union Ltd 41 47 Jun-19 26,916 22.75% 213,868 185,396 61.97% 6.80% (0.39%) (0.81%) 887 649 2.88% 0.57% 2.45% 3.02% 87.62% (0.00%) 0.14% 21 P&N Bank 9 10 Jun-20 445,041 14.84% 6,182,148 4,964,141 82.07% 44.85% (69.81%) (69.13%) 4,500 3,201 1.99% 0.34% 0.87% 1.98% 85.35% 0.30% 0.44% 21 P&N Bank 10 10 Jun-19 290,645 14.93% 4,268,098 3,176,461 86.10% 2.87% (11.18%) (14.33%) 14,907 10,369 1.79% 0.38% 3.60% 1.73% 79.80% 0.10% 0.17% 21 Bananacoast Community Credit Union 18 18 Jun-19 151,036 15.64% 1,702,734 1,531,396 82.81% 0.14% (7.09%) (1.13%) 14,700 10,539 2.68% 0.54% 7.26% 2.36% 73.17% (0.18%) 0.47% 22 People's Choice Credit Union 3 4 Jun-20 638,182 14.32% 9,447,487 6,743,585 83.47% 7.23% (5.80%) 5.35% 31,206 22,211 2.03% 0.67% 3.53% 2.27% 84.23% 0.12% 0.18% 22 People's Choice Credit Union 3 4 Jun-19 618,829 15.07% 8,810,188 6,421,521 87.05% 5.00% (25.05%) (34.44%) 33,126 21,084 2.07% 0.70% 3.45% 2.36% 85.35% 0.04% 0.11% Police Bank Ltd 13 18 Jun-20 204,600 18.27% 2,154,200 1,789,600 78.29% 6.83% (81.40%) (83.33%) 800 400 2.21% 0.44% 0.20% 2.46% 93.28% 0.17% 0.30% Police Bank Ltd 13 17 Jun-19 203,300 19.12% 2,016,500 1,690,600 61.02% 5.53% (64.49%) (71.56%) 4,300 2,400 2.38% 0.54% 1.19% 2.63% 90.23% 0.08% 0.17% Police Credit Union Ltd 26 25 Jun-20 88,831 14.00% 1,173,912 1,042,726 80.59% 3.42% 5.83% 6.62% 7,335 5,173 2.20% 0.46% 6.01% 1.88% 70.64% 0.18% 0.26% Police Credit Union Ltd 28 25 Jun-19 83,314 14.04% 1,135,104 1,039,990 84.69% 9.07% 9.29% 8.55% 6,931 4,852 2.14% 0.55% 6.00% 2.05% 76.03% 0.01% 0.10% Q Bank 28 30 Jun-20 82,519 20.77% 886,041 722,883 78.47% 3.28% (28.56%) (28.46%) 2,557 1,863 1.91% 0.42% 2.28% 2.00% 86.22% 0.03% 0.09% Q Bank 30 31 Jun-19 80,656 20.71% 857,887 730,571 81.28% 2.16% (22.31%) (24.26%) 3,579 2,604 2.04% 0.48% 3.28% 2.07% 82.20% 0.03% 0.07% Qudos 11 11 Jun-20 284,913 14.61% 4,486,494 3,993,780 77.04% 11.10% (11.78%) (12.24%) 21,993 15,481 1.46% 0.44% 5.60% 1.21% 63.53% 0.22% 0.46% Qudos 11 11 Jun-19 268,337 14.99% 4,038,284 3,606,457 80.71% 7.31% 1114.37% 1157.38% 24,931 17,641 1.73% 0.22% 6.73% 1.29% 66.18% 0.02% 0.26% Country Credit Union 17 12 Jun-20 179,466 15.73% 2,872,031 2,114,032 65.25% 19.49% 4.95% 6.83% 7,820 5,568 1.85% 1.34% 3.15% 2.88% 90.11% 0.03% 0.30% Queensland Country Credit Union 16 14 Jun-19 174,525 16.16% 2,403,600 2,003,706 76.14% 10.39% 4.18% 3.35% 7,451 5,212 2.14% 1.47% 3.05% 3.23% 89.54% 0.07% 0.34% RACQ Bank 16 15 Jun-20 184,414 15.81% 2,445,627 2,102,654 80.71% 15.26% (10.71%) (17.01%) (14,101) (10,482) 1.77% 0.35% (6.10%) 2.65% 125.19% 0.10% 0.19% RACQ Bank 17 15 Jun-19 159,419 15.36% 2,121,755 1,791,379 82.34% 21.35% 17.70% 37.29% (15,793) (12,631) 2.01% 0.42% (7.76%) 3.24% 133.15% 0.01% 0.10% 23 19 16 Jun-20 173,903 15.37% 2,348,652 2,146,122 80.61% 54.76% (13.17%) (14.93%) 10,887 7,541 2.89% 0.46% 5.05% 3.06% 83.19% 0.21% 0.45% 23 Regional Australia Bank 19 19 Jun-19 124,821 15.82% 1,517,596 1,372,558 84.39% 8.16% (2.91%) (3.57%) 12,539 8,864 2.79% 0.49% 7.35% 2.41% 73.76% 0.08% 0.33% Holiday Coast Credit Union23 37 37 Jun-19 45,340 14.66% 631,459 578,771 76.16% 3.92% (28.19%) (28.01%) 2,295 1,606 2.68% 0.54% 3.59% 2.85% 88.61% (0.00%) 0.07% South West Slopes Credit Union 43 43 Jun-20 22,443 22.24% 192,164 168,318 66.64% 9.04% (30.03%) (42.08%) 622 373 3.22% 0.27% 1.68% 3.15% 90.32% 0.21% 0.29% South West Slopes Credit Union 47 48 Jun-19 22,070 26.60% 176,226 151,938 68.69% 7.02% 0.68% 0.63% 889 644 3.49% 0.28% 2.97% 3.25% 86.18% 0.01% 0.11% Southern Cross Credit Union 33 35 Jun-20 58,974 18.40% 639,290 572,864 77.67% 10.60% (13.91%) (14.66%) 3,720 2,730 2.18% 0.20% 4.74% 1.70% 71.53% 0.08% 0.15% Southern Cross Credit Union 35 38 Jun-19 56,243 19.00% 578,014 515,770 87.06% 10.74% (0.48%) 4.44% 4,321 3,199 2.34% 0.20% 5.87% 1.70% 67.06% 0.06% 0.16% Summerland Credit Union 32 31 Jun-20 63,861 15.28% 847,832 762,555 76.81% 13.27% (35.47%) (34.92%) 2,936 2,097 2.17% 0.52% 3.34% 2.24% 83.08% 0.11% 0.23% Summerland Credit Union 34 33 Jun-19 61,567 16.47% 748,489 653,836 80.60% 8.61% 7.44% 4.04% 4,550 3,222 2.43% 0.60% 5.34% 2.39% 79.00% 0.00% 0.13% Teachers 5 5 Jun-20 574,465 15.30% 8,140,525 6,863,284 81.32% 1.23% (1.69%) (3.94%) 37,995 25,997 1.86% 0.29% 4.63% 1.63% 75.96% 0.06% 0.10% Teachers 5 5 Jun-19 548,549 14.81% 8,041,748 6,570,030 80.82% 13.76% (14.51%) (14.89%) 38,649 27,064 2.01% 0.30% 5.04% 1.78% 76.88% 0.03% 0.07% The Capricornian 41 39 Jun-20 26,702 14.71% 365,672 335,112 79.89% 5.05% 0.48% (0.26%) 2,278 1,663 2.47% 0.42% 6.41% 2.18% 75.45% 0.09% 0.13% The Capricornian 45 42 Jun-19 25,137 14.03% 348,084 319,676 83.30% 4.39% 13.37% 17.81% 2,267 1,667 2.50% 0.58% 6.80% 2.40% 77.80% 0.02% 0.08% Traditional Credit Union 47 47 Jun-20 5,421 117.23% 17,642 11,493 0.19% 19.17% 4.51% 7.82% 551 413 0.69% 32.53% 7.92% 29.83% 89.78% (20.09%) 43.88% Traditional Credit Union 52 52 Jun-19 5,008 126.22% 14,804 9,125 0.39% 0.00% 0.00% 0.00% 527 383 2.18% 75.59% 15.30% 70.64% 90.84% (3.13%) 48.40% Unity Bank 21 22 Jun-20 115,050 16.13% 1,344,194 1,162,652 75.52% 9.97% (48.64%) (47.69%) 3,035 2,223 2.55% 0.43% 1.98% 2.53% 85.25% 0.26% 0.27% Unity Bank 21 22 Jun-19 109,855 16.50% 1,222,335 1,073,067 80.51% 12.09% 22.09% 2.38% 5,909 4,250 2.79% 0.49% 4.04% 2.65% 80.72% 0.15% 0.14% Warwick Credit Union 40 38 Jun-20 26,748 14.40% 366,782 324,980 78.21% 18.03% 33.74% 24.53% 1,455 378 2.25% 0.37% 1.55% 2.19% 83.59% 0.25% 0.29% Warwick Credit Union 43 45 Jun-19 25,987 15.42% 310,755 264,345 84.51% 0.00% 0.00% 0.00% 1,088 303 4.28% 0.86% 2.75% 4.44% 86.39% 0.02% 0.11%

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. In October 2019, Sydney Mutual Bank merged with Endeavour Mutual Bank Ltd to form Australian Mutual Bank Ltd. 14. Registered name is Police Ltd. 15. In March 2020, EECU Ltd (trading as Nexus Mutual) merged with Community CPS Australia (trading as Beyond Bank Australia). 16. Ford Co-operative Credit Society Ltd trading as Geelong Bank. 17. Community Alliance Credit Union Ltd trading as Illawarra Credit Union. 18. In April 2020, Hunter United Employees' Credit Union merged with IMB Ltd. 19. Railway Credit Union Ltd trading as MOVE Bank. 20. Maitland Mutual Limited trading as The Mutual Bank. 21. In November 2019, Bananacoast Community Credit Union merged with Police & Nurses Ltd. 22. People's Choice Credit Union, a trading name of Australian Central Credit Union Ltd. 23. In July 2019, Holiday Coast Credit Union merged with Regional Bank Australia.

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