Credit Union Index - Moss Adams

Credit Union Index

An Analysis of New York Credit Unions

Credit Union Index |

DEFINITIONS

The Credit Union Index is published by

Moss Adams LLP. For more information on the data

presented in this report, consult Rebecca Radell,

Senior Manager, at (209) 955-6136.

Asset Size Definition:

GROUP A

$0¨C$250 million

GROUP B

$251¨C$500 million

GROUP C

$501 million¨C$1 billion

GROUP D

Over $1 billion

New York

Performance Analysis

March 31, 2017

Performance Analysis

As of Date

Total Assets

($000)

Region

Run Date: May 19, 2017

Quarter to Date

Net Income

(Loss) ($000)

Return on Avg

Assets (%)

Return on

Avg Net Worth (%)

Year to Date

Oper Exp/ Oper

Rev (%)

Salary&Benefits/

Employees ($000)

Net Income (Loss)

($000)

$23

$38

$18

Return on Avg

Assets (%)

Return on

Avg Net Worth (%)

Oper Exp/ Oper

Rev (%)

Salary&Benefits/

Employees ($000)

0.18%

0.29%

0.14%

2.51%

3.28%

1.76%

94.95%

82.29%

93.90%

$41

$53

$105

0.20%

0.05%

1.42%

(0.01%)

0.02%

0.28%

1.31%

1.01%

0.98%

0.98%

0.30%

0.21%

0.21%

1.00%

0.86%

0.18%

0.19%

(0.21%)

0.56%

0.45%

1.14%

0.69%

0.34%

0.76%

0.27%

0.55%

0.83%

0.39%

0.18%

0.81%

0.24%

0.39%

(8.57%)

0.26%

0.64%

0.22%

0.46%

0.46%

0.59%

0.18%

(0.01%)

0.21%

0.40%

0.46%

0.39%

(0.12%)

0.70%

0.54%

0.69%

0.25%

(0.12%)

1.07%

1.14%

1.28%

0.50%

1.88%

0.46%

9.52%

(0.15%)

0.18%

2.33%

15.02%

7.77%

12.93%

5.97%

3.35%

2.71%

1.75%

8.49%

7.36%

2.37%

1.20%

(1.89%)

5.64%

3.72%

13.01%

8.87%

4.26%

8.42%

2.75%

7.90%

6.61%

3.28%

2.43%

10.22%

2.17%

4.26%

(156.65%)

1.81%

5.38%

2.31%

6.94%

5.54%

6.19%

1.50%

(0.08%)

2.03%

4.74%

4.20%

5.00%

(6.04%)

3.59%

4.05%

4.64%

2.30%

(1.31%)

11.41%

8.86%

6.56%

6.54%

89.69%

97.06%

65.97%

94.76%

72.27%

72.68%

60.00%

74.32%

88.03%

69.10%

89.63%

89.94%

89.03%

76.46%

81.77%

92.16%

93.91%

98.66%

73.93%

83.00%

81.24%

80.99%

72.87%

74.31%

86.02%

77.14%

71.73%

85.74%

92.34%

68.51%

88.14%

87.65%

189.11%

63.43%

80.98%

92.98%

87.95%

85.94%

84.86%

90.24%

95.45%

73.98%

84.31%

85.61%

84.92%

89.12%

67.07%

67.80%

72.13%

90.04%

91.34%

69.81%

55.06%

48.04%

85.65%

$61

$73

$69

$67

$52

$135

$67

$106

$65

$83

$47

$74

$50

$48

$69

$99

$96

$50

$89

$55

$58

$51

$45

$51

$60

$46

$66

$67

$65

$58

$79

$60

$94

$90

$62

$66

$65

$51

$73

$52

$80

$58

$67

$99

$61

$86

$53

$77

$74

$70

$67

$44

$85

$77

$66

Institution Name

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

Jamestown Area Community Federal Credit Union

M. C. T. Federal Credit Union

Hudson River Financial Federal Credit Union

Educational & Governmental Employees Federal Credit

Union

Buffalo Service Credit Union

Compass Federal Credit Union

Riverside Federal Credit Union

North Franklin Federal Credit Union

Yonkers Teachers Federal Credit Union

SJP Federal Credit Union

Consumers Federal Credit Union

ACMG Federal Credit Union

Utica Gas & Electric Employees Federal Credit Union

Greater Chautauqua Federal Credit Union

1199 SEIU Federal Credit Union

Crossroads Community Federal Credit Union

Meridia Community Federal Credit Union

UFirst Federal Credit Union

Northeastern Operating Engineers Federal Credit Union

New York Times Employees Federal Credit Union

Empire ONE Federal Credit Union

Van Cortlandt Cooperative Federal Credit Union

Financial Trust Federal Credit Union

Genesee Valley Federal Credit Union

Oswego County Federal Credit Union

Southern Chautauqua Federal Credit Union

St. Pius X Church Federal Credit Union

Great Erie Federal Credit Union

Inner Lakes Federal Credit Union

Syracuse Fire Department Employees Federal Credit Union

Community Resource Federal Credit Union

School Systems Federal Credit Union

Ontario Shores Federal Credit Union

Greater Metro Federal Credit Union

Auburn Community Federal Credit Union

NEA Federal Credit Union

Lufthansa Employees Federal Credit Union

First Choice Financial Federal Credit Union

Ticonderoga Federal Credit Union

Alternatives Federal Credit Union

Tonawanda Valley Federal Credit Union

Buffalo Metropolitan Federal Credit Union

Horizons Federal Credit Union

American Broadcast Employees Federal Credit Union

Core Federal Credit Union

Finger Lakes Federal Credit Union

Northwell Health Federal Credit Union

Ulster Federal Credit Union

Town of Hempstead Employees Federal Credit Union

Greater Woodlawn Federal Credit Union

Triboro Postal Federal Credit Union

Western Division Federal Credit Union

Ukrainian National Federal Credit Union

GHS Federal Credit Union

Saint Lawrence Federal Credit Union

Countryside Federal Credit Union

Moog Employees Federal Credit Union

Access Federal Credit Union

$51,219

$53,215

$54,078

$54,337

$54,688

$55,943

$55,943

$56,404

$58,112

$61,307

$61,600

$62,305

$63,475

$64,002

$67,252

$67,340

$67,584

$68,277

$71,017

$74,225

$74,359

$75,681

$75,711

$76,091

$77,071

$78,542

$79,769

$82,198

$83,220

$85,672

$85,751

$86,085

$87,492

$88,158

$91,291

$94,384

$97,259

$99,359

$101,837

$102,135

$103,279

$105,150

$108,670

$110,145

$110,832

$116,956

$118,162

$121,697

$125,129

$127,526

$132,109

$141,731

$143,891

$146,699

$150,098

$153,141

$165,623

$168,201

$23

$38

$18

$27

$7

$198

($2)

$3

$41

$194

$156

$149

$154

$47

$35

$35

$166

$142

$32

$34

($38)

$105

$83

$214

$131

$65

$147

$55

$112

$176

$82

$38

$173

$53

$87

($2,036)

$63

$155

$54

$118

$116

$151

$47

($2)

$57

$115

$134

$116

($36)

$219

$176

$242

$90

($44)

$390

$434

$525

$205

0.18%

0.29%

0.14%

2.51%

3.28%

1.76%

94.95%

82.29%

93.90%

$41

$53

$105

0.20%

0.05%

1.42%

(0.01%)

0.02%

0.28%

1.31%

1.01%

0.98%

0.98%

0.30%

0.21%

0.21%

1.00%

0.86%

0.18%

0.19%

(0.21%)

0.56%

0.45%

1.14%

0.69%

0.34%

0.76%

0.27%

0.55%

0.83%

0.39%

0.18%

0.81%

0.24%

0.39%

(8.57%)

0.26%

0.64%

0.22%

0.46%

0.46%

0.59%

0.18%

(0.01%)

0.21%

0.40%

0.46%

0.39%

(0.12%)

0.70%

0.54%

0.69%

0.25%

(0.12%)

1.07%

1.14%

1.28%

0.50%

1.88%

0.46%

9.52%

(0.15%)

0.18%

2.33%

15.02%

7.77%

12.93%

5.97%

3.35%

2.71%

1.75%

8.49%

7.36%

2.37%

1.20%

(1.89%)

5.64%

3.72%

13.01%

8.87%

4.26%

8.42%

2.75%

7.90%

6.61%

3.28%

2.43%

10.22%

2.17%

4.26%

(156.65%)

1.81%

5.38%

2.31%

6.94%

5.54%

6.19%

1.50%

(0.08%)

2.03%

4.74%

4.20%

5.00%

(6.04%)

3.59%

4.05%

4.64%

2.30%

(1.31%)

11.41%

8.86%

6.56%

6.54%

89.69%

97.06%

65.97%

94.76%

72.27%

72.68%

60.00%

74.32%

88.03%

69.10%

89.63%

89.94%

89.03%

76.46%

81.77%

92.16%

93.91%

98.66%

73.93%

83.00%

81.24%

80.99%

72.87%

74.31%

86.02%

77.14%

71.73%

85.74%

92.34%

68.51%

88.14%

87.65%

189.11%

63.43%

80.98%

92.98%

87.95%

85.94%

84.86%

90.24%

95.45%

73.98%

84.31%

85.61%

84.92%

89.12%

67.07%

67.80%

72.13%

90.04%

91.34%

69.81%

55.06%

48.04%

85.65%

$61

$73

$69

$67

$52

$135

$67

$106

$65

$83

$47

$74

$50

$48

$69

$99

$96

$50

$89

$55

$58

$51

$45

$51

$60

$46

$66

$67

$65

$58

$79

$60

$94

$90

$62

$66

$65

$51

$73

$52

$80

$58

$67

$99

$61

$86

$53

$77

$74

$70

$67

$44

$85

$77

$66

$27

$7

$198

($2)

$3

$41

$194

$156

$149

$154

$47

$35

$35

$166

$142

$32

$34

($38)

$105

$83

$214

$131

$65

$147

$55

$112

$176

$82

$38

$173

$53

$87

($2,036)

$63

$155

$54

$118

$116

$151

$47

($2)

$57

$115

$134

$116

($36)

$219

$176

$242

$90

($44)

$390

$434

$525

$205

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 Page 3 of 18

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