Credit Union Index - Moss Adams

Credit Union Index

AN ANALYSIS OF MASSACHUSETTS CREDIT UNIONS

Credit Union Index

The Credit Union Index is published by Moss Adams. For more information on the data presented in this report, contact Rebecca Radell, Senior Manager, at (209) 955-6136.

ASSET SIZE DEFINITION Group A $0?$250 million Group B $251 million?$500 million Group C $501 million?$1 billion Group D Over $1 billion

Massachusetts

Performance Analysis

Performance Analysis

Region Institution Name

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

Pressers Union Local 12 ILGWU Credit Union One Twenty Credit Union Artmet Federal Credit Union Gloucester Fire Department Credit Union Gorton's of Gloucester Employees Federal Credit Union Messiah Baptist-Jubilee Federal Credit Union Springfield Street Railway Employees Credit Union Manchester Federal Credit Union North Adams M.E. Federal Credit Union M.O.S.E.S. Federal Credit Union Gloucester Municipal Credit Union Boston Customs Federal Credit Union Lynn Municipal Employees Credit Union Stoughton Town Employees Federal Credit Union Winchester Federal Credit Union Symphony Federal Credit Union Holyoke Postal Credit Union Bedford VA Federal Credit Union New England Lee Federal Credit Union Wakefield Town Employees Federal Credit Union Health Alliance Federal Credit Union Belmont Municipal Federal Credit Union Lynn Teachers Credit Union Lincoln Sudbury Town Employee Federal Credit Union Middlesex-Essex Postal Employees Federal Credit Union Norwood Town Employees Federal Credit Union Lowell Municipal Employees Federal Credit Union Revere Firefighters Credit Union Cabot Boston Credit Union Medford Municipal Employees Federal Credit Union Northampton V.A.F. Federal Credit Union Somerville Mass Firefighters Federal Credit Union Danvers Municipal Federal Credit Union Waltham Municipal Employees Credit Union Dedham Town Employees Federal Credit Union Morton Federal Credit Union Reading Mass Town Employees Federal Credit Union Marblehead Municipal Federal Credit Union Arlington Municipal Federal Credit Union Burlington Municipal Employees Federal Credit Union Cambridge Municipal Employees Federal Credit Union Watertown Municipal Credit Union Lexington MA Federal Credit Union Ocean Spray Employees Federal Credit Union Beverly Municipal Federal Credit Union St. Anthony of New Bedford Federal Credit Union Cambridge Firefighters Federal Credit Union Revere Municipal Employees Federal Credit Union

As of Date

Total Assets ($000)

$146 $402 $436 $530 $806 $944 $1,607 $1,697 $1,746 $1,869 $2,052 $2,573 $2,589 $2,704 $2,727 $3,158 $3,211 $3,254 $3,336 $3,921 $4,154 $4,261 $5,024 $5,051 $5,099 $5,489 $6,046 $6,810 $7,090 $7,333 $7,443 $7,519 $7,886 $8,715 $8,745 $8,786 $8,833 $9,658 $9,832 $10,000 $10,123 $11,099 $11,202 $11,251 $11,436 $11,480 $11,508 $11,676

March 31, 2018

Run Date: June 5, 2018

Net Income (Loss) ($000)

Quarter to Date

Return on Avg

Return on

Oper Exp/ Oper Salary&Benefits/

Assets (%) Avg Net Worth (%)

Rev (%)

Employees ($000)

Year to Date

Net Income (Loss) Return on Avg

Return on

Oper Exp/ Oper Salary&Benefits/

($000)

Assets (%) Avg Net Worth (%)

Rev (%)

Employees ($000)

$1 ($1) $1 $1 ($2) $2 $2 ($1) ($2) ($17) $1 $1 $5 $4 ($14) ($1) ($1) $2 $4 $3 $9 $9 $6 $5 $1 $6 $1 $0 $2 $8 $6 $14 $1 ($12) $12 ($30) $7 $12 $14 $2 ($12) $1 $2 ($16) $12 ($1) $34 $10

2.65% (1.00%)

0.91% 0.78% (0.98%) 0.86% 0.50% (0.24%) (0.47%) (3.62%) 0.20% 0.16% 0.81% 0.59% (2.10%) (0.13%) (0.12%) 0.25% 0.47% 0.31% 0.89% 0.86% 0.51% 0.39% 0.08% 0.44% 0.07% 0.00% 0.11% 0.44% 0.32% 0.75% 0.05% (0.55%) 0.56% (1.40%) 0.32% 0.50% 0.57% 0.08% (0.48%) 0.04% 0.07% (0.56%) 0.43% (0.04%) 1.20% 0.35%

23.53% (4.12%)

5.63% 1.95% (4.40%) 7.84% 2.16% (1.92%) (1.89%) (22.44%) 1.02% 1.20% 3.34% 4.86% (16.67%) (1.17%) (0.55%) 1.08% 1.10% 2.17% 9.02% 6.23% 3.21% 3.05% 0.26% 1.97% 0.82% 0.00% 0.69% 2.13% 2.37% 4.90% 0.15% (3.05%) 4.50% (10.57%) 2.28% 2.89% 2.87% 1.03% (2.46%) 0.12% 0.72% (4.50%) 2.41% (0.38%) 6.02% 2.79%

0.00% 150.00%

66.67% 85.71% 122.22% 66.67% 95.00% 110.00% 120.00% 100.00% 100.00% 93.75% 85.71% 75.00% 100.00% 103.33% 107.69% 93.10% 76.47% 87.50% 75.51% 75.68% 85.71% 82.35% 82.93% 60.38% 97.96% 104.35% 92.98% 84.21% 72.73% 63.16% 97.37% 101.89% 84.71% 149.06% 87.50% 80.30% 73.91% 97.44% 121.82% 98.18% 92.31% 97.20% 96.94% 100.00% 58.02% 90.18%

$0 NA $16 $32 $36 NA $60 $56 $35 $96 $35 $20 $26 $18 $43 $88 $36 $84 $12 $32 $50 $76 $59 $60 $92 $40 $30 $26 $82 $52 $26 $59 $42 $68 $62 $61 $58 $78 $88 $77 $70 $99 $58 $64 $58 $47 $107 $61

$1 ($1) $1 $1 ($2) $2 $2 ($1) ($2) ($17) $1 $1 $5 $4 ($14) ($1) ($1) $2 $4 $3 $9 $9 $6 $5 $1 $6 $1 $0 $2 $8 $6 $14 $1 ($12) $12 ($30) $7 $12 $14 $2 ($12) $1 $2 ($16) $12 ($1) $34 $10

2.65% (1.00%)

0.91% 0.78% (0.98%) 0.86% 0.50% (0.24%) (0.47%) (3.62%) 0.20% 0.16% 0.81% 0.59% (2.10%) (0.13%) (0.12%) 0.25% 0.47% 0.31% 0.89% 0.86% 0.51% 0.39% 0.08% 0.44% 0.07% 0.00% 0.11% 0.44% 0.32% 0.75% 0.05% (0.55%) 0.56% (1.40%) 0.32% 0.50% 0.57% 0.08% (0.48%) 0.04% 0.07% (0.56%) 0.43% (0.04%) 1.20% 0.35%

23.53% (4.12%)

5.63% 1.95% (4.40%) 7.84% 2.16% (1.92%) (1.89%) (22.44%) 1.02% 1.20% 3.34% 4.86% (16.67%) (1.17%) (0.55%) 1.08% 1.10% 2.17% 9.02% 6.23% 3.21% 3.05% 0.26% 1.97% 0.82% 0.00% 0.69% 2.13% 2.37% 4.90% 0.15% (3.05%) 4.50% (10.57%) 2.28% 2.89% 2.87% 1.03% (2.46%) 0.12% 0.72% (4.50%) 2.41% (0.38%) 6.02% 2.79%

0.00% 150.00%

66.67% 85.71% 122.22% 66.67% 95.00% 110.00% 120.00% 100.00% 100.00% 93.75% 85.71% 75.00% 100.00% 103.33% 107.69% 93.10% 76.47% 87.50% 75.51% 75.68% 85.71% 82.35% 82.93% 60.38% 97.96% 104.35% 92.98% 84.21% 72.73% 63.16% 97.37% 101.89% 84.71% 149.06% 87.50% 80.30% 73.91% 97.44% 121.82% 98.18% 92.31% 97.20% 96.94% 100.00% 58.02% 90.18%

$0 NA $16 $32 $36 NA $60 $56 $35 $96 $35 $20 $26 $18 $43 $88 $36 $84 $12 $32 $50 $76 $59 $60 $92 $40 $30 $26 $82 $52 $26 $59 $42 $68 $62 $61 $58 $78 $88 $77 $70 $99 $58 $64 $58 $47 $107 $61

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 22

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