Credit Union Index - Moss Adams

[Pages:25]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 Messiah Baptist-Jubilee Federal Credit Union Gorton's of Gloucester Employees Federal Credit Union Springfield Street Railway Employees Credit Union North Adams M.E. Federal Credit Union Manchester Federal Credit Union M.O.S.E.S. Federal Credit Union Gloucester Municipal Credit Union Lynn Municipal Employees Credit Union Our Lady of the Angels Federal Credit Union Boston Customs Federal Credit Union Winchester Federal Credit Union Stoughton Town Employees Federal Credit Union Bedford VA Federal Credit Union Holyoke Postal Credit Union Symphony Federal Credit Union New England Lee Federal Credit Union Health Alliance Federal Credit Union Wakefield Town Employees Federal Credit Union Belmont Municipal Federal Credit Union Middlesex-Essex Postal Employees Federal Credit Union Lincoln Sudbury Town Employee Federal Credit Union Norwood Town Employees Federal Credit Union Lynn Teachers Credit Union Lowell Municipal Employees Federal Credit Union Revere Firefighters Credit Union Cabot Boston Credit Union Medford Municipal Employees Federal Credit Union Somerville Mass Firefighters Federal Credit Union Northampton V.A.F. Federal Credit Union Danvers Municipal Federal Credit Union Reading Mass Town Employees Federal Credit Union Dedham Town Employees Federal Credit Union Morton Federal Credit Union Waltham Municipal Employees Credit Union Marblehead Municipal Federal Credit Union Louise Mills Federal Credit Union Burlington Municipal Employees Federal Credit Union Cambridge Municipal Employees Federal Credit Union Arlington Municipal Federal Credit Union Melrose First Federal Credit Union Beverly Municipal Federal Credit Union St. Anthony of New Bedford Federal Credit Union Cambridge Firefighters Federal Credit Union Lexington MA Federal Credit Union Ocean Spray Employees Federal Credit Union Watertown Municipal Credit Union

As of Date

Total Assets ($000)

$157 $407 $436 $482 $767 $937 $1,541 $1,767 $1,791 $1,832 $1,994 $2,375 $2,489 $2,526 $2,572 $2,821 $3,262 $3,272 $3,414 $3,703 $3,896 $4,051 $4,070 $5,061 $5,086 $5,230 $5,271 $6,376 $6,671 $7,141 $7,271 $7,309 $7,473 $8,002 $8,314 $8,526 $8,756 $9,251 $9,368 $9,647 $9,685 $9,757 $9,762 $10,866 $10,939 $11,055 $11,100 $11,108 $11,338 $11,504

June 30, 2017

Net Income (Loss) ($000)

Quarter to Date

Return on Avg

Return on

Oper Exp/ Oper Salary&Benefits/

Assets (%) Avg Net Worth (%)

Rev (%)

Employees ($000)

Run Date: September 7, 2017

Year to Date

Net Income (Loss) Return on Avg

Return on

Oper Exp/ Oper Salary&Benefits/

($000)

Assets (%) Avg Net Worth (%)

Rev (%)

Employees ($000)

$0 ($1) $0 $0 $0 ($1) $1 ($1) $0 $3 ($1) ($5) ($5) ($2) ($1) $0 ($9) ($2) $4 $2 $4 $3 $6 $10 $3 $36 $11 ($41) $3 ($4) $13 $16 $7 $3 $5 $4 ($21) $2 $6 ($7) $5 ($13) $9 ($1) $23 ($5) $20 $1 $4 ($6)

0.00% (0.99%)

0.00% 0.00% 0.00% (0.43%) 0.26% (0.23%) 0.00% 0.66% (0.20%) (0.83%) (0.79%) (0.31%) (0.16%) 0.00% (1.10%) (0.25%) 0.47% 0.21% 0.42% 0.31% 0.58% 0.79% 0.23% 2.74% 0.85% (2.52%) 0.18% (0.22%) 0.72% 0.86% 0.37% 0.15% 0.24% 0.19% (0.92%) 0.09% 0.26% (0.29%) 0.21% (0.54%) 0.37% (0.04%) 0.84% (0.18%) 0.73% 0.04% 0.14% (0.21%)

0.00% (4.08%)

0.00% 0.00% 0.00% (2.15%) 1.08% (0.93%) 0.00% 3.79% (1.02%) (3.47%) (9.85%) (2.41%) (1.15%) 0.00% (4.72%) (1.09%) 4.82% 0.55% 4.27% 2.21% 4.36% 2.68% 1.86% 11.89% 6.09% (32.16%) 1.27% (1.37%) 3.58% 5.79% 2.83% 0.44% 1.65% 1.56% (7.02%) 0.51% 1.47% (2.57%) 2.62% (2.67%) 1.87% (0.22%) 4.64% (1.92%) 3.65% 0.36% 1.14% (0.72%)

100.00% 200.00% 150.00% 120.00%

66.67% 122.22% 100.00% 112.50% 110.00%

85.71% 100.00%

92.59% 108.70% 105.00% 100.00% 100.00% 136.00% 100.00% 100.00%

78.57% 82.98% 87.50% 79.41% 69.39% 87.88% 54.17% 95.00% 286.36% 91.30% 104.00% 67.31% 61.36% 75.00% 90.00% 92.45% 85.54% 127.59% 95.92% 88.33% 116.25% 91.78% 120.00% 82.54% 101.14% 93.26% 105.88% 74.39% 100.00% 93.33% 112.00%

NA NA $8 $40 NA $36 $60 $37 $56 $80 $35 $28 $35 $24 NA $18 $56 $32 $92 $8 $56 $29 $76 $92 $64 $38 $61 $43 $29 $84 $56 $51 $26 $40 $54 $58 $62 $64 $78 $61 $68 $84 $72 $76 $55 $46 $101 $58 $61 $104

$0 ($1) ($1) $0 $0 ($2) $3 $2 ($1) $5 $1 ($4) ($6) ($7) ($2) $2 ($17) ($1) $5 $5 $8 $6 $13 $21 $6 $49 $16 ($104) $2 ($10) $23 $30 $14 $8 $1 ($8) ($28) ($3) $15 ($25) $1 ($28) $23 ($1) $51 $1 $46 $1 $6 ($24)

0.00% (0.50%) (0.33%)

0.00% 0.00% (0.43%) 0.38% 0.23% (0.12%) 0.55% 0.10% (0.33%) (0.48%) (0.53%) (0.16%) 0.14% (1.05%) (0.06%) 0.29% 0.26% 0.42% 0.31% 0.63% 0.82% 0.23% 1.87% 0.64% (3.20%) 0.06% (0.28%) 0.65% 0.81% 0.38% 0.20% 0.02% (0.19%) (0.61%) (0.06%) 0.32% (0.53%) 0.02% (0.58%) 0.46% (0.02%) 0.94% 0.02% 0.84% 0.02% 0.10% (0.41%)

0.00% (2.04%) (2.90%)

0.00% 0.00% (2.14%) 1.63% 0.93% (0.95%) 3.16% 0.51% (1.38%) (5.85%) (4.19%) (1.15%) 1.22% (4.43%) (0.27%) 3.02% 0.69% 4.29% 2.21% 4.75% 2.83% 1.87% 8.15% 4.45% (38.81%) 0.42% (1.71%) 3.18% 5.46% 2.84% 0.59% 0.17% (1.56%) (4.66%) (0.38%) 1.84% (4.56%) 0.26% (2.86%) 2.40% (0.11%) 5.18% 0.19% 4.22% 0.18% 0.85% (1.45%)

100.00% 133.33% 116.67% 100.00%

85.71% 110.00%

92.50% 109.38% 104.76%

85.71% 97.30% 92.86% 105.38% 121.88% 104.55% 92.86% 133.33% 100.00% 95.52% 80.77% 82.61% 87.76% 78.46% 69.23% 90.32% 65.00% 90.24%

NM 97.78% 109.09% 74.77% 61.25% 76.19% 88.75% 99.04% 90.80% 128.70% 103.13% 86.67% 115.72% 99.29% 124.51% 79.07% 100.57% 91.71% 100.00% 72.12% 99.39% 91.35% 126.44%

NA NA $12 $32 NA $36 $58 $36 $52 $88 $35 $29 $35 $22 NA $18 $56 $34 $90 $10 $55 $31 $76 $82 $62 $39 $63 $41 $28 $84 $59 $48 $27 $41 $53 $62 $62 $65 $76 $65 $72 $76 $70 $73 $57 $43 $101 $58 $59 $100

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

Performance Analysis

As of Date

Region Institution Name

Total Assets ($000)

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

Santo Christo Federal Credit Union Revere Municipal Employees Federal Credit Union Lynn Police Credit Union Lynn Firemens Federal Credit Union Saint Vincent Hospital Credit Union Greater Salem Employees Federal Credit Union Chelsea Employees Federal Credit Union Billerica Municipal Employees Credit Union RAH Federal Credit Union Worcester Police Department Federal Credit Union St. Anne Credit Union Lowell Firefighters Credit Union Haverhill Fire Department Credit Union Norfolk Community Federal Credit Union MyCom Federal Credit Union Leominster Employees Federal Credit Union Attleboro ME Federal Credit Union Mills42 Federal Credit Union HTM Credit Union Credit Union of the Berkshires Taupa Lithuanian Federal Credit Union Massachusetts Family Credit Union Acushnet Federal Credit Union Malden Federal Credit Union Methuen Federal Credit Union Chadwick Federal Credit Union St. Anthony of Padua Federal Credit Union Northeastern University Federal Credit Union Somerville School Employees Federal Credit Union Peabody Municipal Federal Credit Union 600 Atlantic Federal Credit Union Wellesley Municipal Employees Federal Credit Union West Springfield Federal Credit Union Saint Dominics Federal Credit Union Andovers Federal Credit Union Cambridge Teachers Federal Credit Union Goldmark Federal Credit Union Alpha Credit Union Stoneham Municipal Employees Federal Credit Union Brookline Municipal Credit Union Worcester Fire Department Credit Union Commonwealth Utilities Employees Credit Union Somerville Municipal Federal Credit Union Woburn Municipal Federal Credit Union Plymouth County Teachers Federal Credit Union Everett Credit Union Notre Dame Community Federal Credit Union Southcoast Federal Credit Union St. Michaels Fall River Federal Credit Union Tewksbury Federal Credit Union

$11,768 $11,852 $11,941 $12,327 $13,052 $13,332 $14,346 $14,770 $16,270 $16,456 $16,604 $17,370 $17,822 $18,160 $18,583 $18,694 $18,711 $19,841 $19,969 $20,671 $22,961 $23,008 $23,046 $24,162 $24,260 $24,877 $25,616 $25,755 $26,826 $27,115 $28,530 $29,208 $29,607 $29,684 $30,500 $31,304 $31,353 $31,387 $38,123 $39,498 $40,664 $41,505 $42,416 $43,676 $45,060 $47,412 $49,690 $49,988 $53,232 $60,007

June 30, 2017

Net Income (Loss) ($000)

Quarter to Date

Return on Avg

Return on

Oper Exp/ Oper Salary&Benefits/

Assets (%) Avg Net Worth (%)

Rev (%)

Employees ($000)

$6 ($2) $4 $3 $4 ($8) $2 ($5) $14 $2 $1 $9 $17 $44 $27 $26 ($25) $25 $16 ($40) $29 $29 $24 $25 $27 $2 $1 ($19) ($18) $19 $48 ($43) ($34) $5 $37 ($1) $10 $12 $21 $50 $25 $65 $47 $17 $6 $59 $11 $14 $226 $116

0.20% (0.07%)

0.13% 0.10% 0.12% (0.24%) 0.06% (0.14%) 0.35% 0.05% 0.02% 0.21% 0.39% 0.96% 0.57% 0.55% (0.53%) 0.52% 0.32% (0.76%) 0.51% 0.51% 0.41% 0.41% 0.45% 0.03% 0.02% (0.30%) (0.27%) 0.28% 0.67% (0.59%) (0.46%) 0.07% 0.48% (0.01%) 0.13% 0.15% 0.22% 0.51% 0.25% 0.62% 0.45% 0.16% 0.05% 0.50% 0.09% 0.11% 1.78% 0.77%

2.02% (0.56%)

0.60% 0.53% 1.37% (3.12%) 0.64% (0.65%) 2.94% 0.40% 0.26% 1.19% 3.16% 9.24% 5.13% 5.44% (4.76%) 4.96% 2.00% (5.69%) 5.71% 3.23% 4.63% 2.38% 3.71% 0.56% 0.07% (3.46%) (1.78%) 2.54% 5.46% (7.00%) (5.84%) 0.42% 4.56% (0.13%) 1.09% 1.20% 2.67% 4.16% 1.84% 4.18% 3.19% 1.84% 0.57% 3.66% 0.77% 0.91% 19.46% 6.93%

87.88% 103.03%

70.59% 87.37% 93.85% 109.00% 98.47% 108.45% 90.00% 94.41% 105.96% 93.98% 89.71% 77.27% 90.45% 84.42% 90.83% 89.03% 87.97% 108.73% 77.40% 82.97% 85.21% 83.23% 87.25% 99.43% 97.64% 76.92% 114.40% 79.53% 73.85% 129.10% 103.91% 88.89% 82.86% 100.55% 95.57% 87.72% 90.38% 81.01% 89.10% 75.75% 80.90% 95.12% 98.89% 83.52% 96.04% 94.61% 60.04% 81.20%

$38 $56 $24 $36 $104 $50 $77 $74 $73 $63 $47 $77 $54 $70 $55 $62 $51 $60 $62 $50 $68 $108 $38 $72 $69 $75 $50 $95 $93 $57 $79 $105 $49 $62 $44 $84 $59 $81 $63 $68 $67 $60 $82 $71 $61 $78 $49 $58 $54 $78

Run Date: September 7, 2017

Year to Date

Net Income (Loss) Return on Avg

Return on

Oper Exp/ Oper Salary&Benefits/

($000)

Assets (%) Avg Net Worth (%)

Rev (%)

Employees ($000)

$17 ($9) $21 $17 $5 ($11) $2 ($18) $26 $5 ($30) $20 $22 $83 $4 $52 ($27) $47 $20 ($57) $32 $50 $5 $46 $16 $7 $10 ($9) ($21) $31 $79 ($36) ($14) $19 $43 ($7) $4 $27 $47 $74 ($7) $124 $71 $34 $54 $82 $14 $9 $420 $193

0.29% (0.16%)

0.35% 0.28% 0.08% (0.17%) 0.03% (0.25%) 0.32% 0.06% (0.35%) 0.23% 0.25% 0.90% 0.04% 0.55% (0.29%) 0.49% 0.20% (0.54%) 0.28% 0.45% 0.04% 0.38% 0.14% 0.06% 0.08% (0.07%) (0.16%) 0.23% 0.55% (0.25%) (0.10%) 0.13% 0.28% (0.04%) 0.03% 0.18% 0.25% 0.38% (0.04%) 0.59% 0.34% 0.16% 0.24% 0.35% 0.06% 0.04% 1.73% 0.64%

2.88% (1.26%)

1.57% 1.49% 0.86% (2.14%) 0.32% (1.17%) 2.74% 0.50% (3.81%) 1.32% 2.05% 8.81% 0.38% 5.48% (2.56%) 4.69% 1.25% (4.03%) 3.16% 2.80% 0.48% 2.19% 1.10% 0.98% 0.33% (0.82%) (1.04%) 2.07% 4.52% (2.93%) (1.20%) 0.80% 2.65% (0.47%) 0.22% 1.35% 3.00% 3.09% (0.26%) 4.01% 2.42% 1.84% 2.57% 2.56% 0.49% 0.29% 18.50% 5.80%

88.64% 104.62%

70.48% 85.71% 94.53% 105.53% 98.07% 106.43% 90.41% 95.56% 104.32% 92.17% 92.78% 76.79% 95.78% 83.33% 91.42% 89.74% 92.21% 107.63% 83.22% 85.11% 90.49% 85.36% 96.24% 98.03% 95.80% 84.85% 108.40% 81.93% 76.74% 111.11% 98.61% 89.53% 89.33% 102.58% 98.75% 89.19% 89.43% 85.03% 98.81% 76.60% 85.39% 94.10% 93.00% 88.80% 97.52% 97.01% 60.91% 84.20%

$37 $58 $24 $36 $102 $50 $77 $76 $74 $63 $47 $73 $54 $69 $56 $63 $49 $62 $65 $50 $67 $108 $38 $72 $76 $76 $50 $103 $88 $57 $76 $89 $49 $63 $52 $84 $61 $80 $62 $69 $80 $64 $92 $71 $56 $81 $49 $58 $50 $76

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 4 of 22

Performance Analysis

As of Date

Region Institution Name

Total Assets ($000)

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

Franklin First Federal Credit Union Westport Federal Credit Union Pioneer Valley Federal Credit Union New England Teamsters Federal Credit Union Premier Source Credit Union AllCom Credit Union Worcester Credit Union Energy Credit Union NESC Federal Credit Union Luso-American Credit Union MetroWest Community Federal Credit Union First Priority Credit Union River Works Credit Union Athol Credit Union Brotherhood Credit Union New Bedford Credit Union Naveo Credit Union Arrha Credit Union Somerset Federal Credit Union Homefield Credit Union Community Credit Union of Lynn Shrewsbury Federal Credit Union Taunton Federal Credit Union Alden Credit Union Greater Springfield Credit Union Tremont Credit Union Southbridge Credit Union Holyoke Credit Union Fall River Municipal Credit Union Southern Mass Credit Union Luso Federal Credit Union St. Jean's Credit Union Mass Bay Credit Union MassMutual Federal Credit Union

Average of Asset Group A

Asset Group B - $251 to $500 million in total assets

$60,380 $61,312 $65,083 $65,844 $68,355 $68,389 $79,586 $82,353 $84,705 $90,610 $101,987 $105,606 $106,568 $106,574 $110,859 $122,835 $125,385 $135,688 $142,640 $144,504 $144,566 $146,701 $150,196 $165,714 $165,948 $175,716 $185,078 $187,923 $210,148 $211,759 $217,850 $221,502 $242,969 $245,019

$46,610

Members Plus Credit Union Boston Firefighters Credit Union Millbury Federal Credit Union Bridgewater Credit Union City of Boston Credit Union Crescent Credit Union Central One Federal Credit Union UMassFive College Federal Credit Union Freedom Credit Union GFA Federal Credit Union

Average of Asset Group B

$254,205 $263,700 $318,136 $356,053 $383,435 $437,634 $463,364 $467,295 $487,922 $492,794

$392,454

June 30, 2017

Net Income (Loss) ($000)

Quarter to Date

Return on Avg

Return on

Oper Exp/ Oper Salary&Benefits/

Assets (%) Avg Net Worth (%)

Rev (%)

Employees ($000)

($5) $19 $267 ($76) ($72) $51 $59 ($56) $86 $91 $40 $104 $73 ($99)

$6 $143 $130

$8 $195 ($45) ($153) $227 $241

$28 $625 $183 $428 $136

$74 $9

$293 $234 $286 $361

$37

(0.03%) 0.12% 1.62%

(0.48%) (0.42%)

0.30% 0.30% (0.28%) 0.41% 0.40% 0.16% 0.39% 0.27% (0.38%) 0.02% 0.47% 0.41% 0.02% 0.55% (0.12%) (0.42%) 0.63% 0.65% 0.07% 1.51% 0.42% 0.93% 0.29% 0.14% 0.02% 0.54% 0.42% 0.47% 0.57%

0.18%

(0.45%) 2.08%

13.93% (3.25%) (3.39%)

1.92% 3.15% (1.50%) 4.38% 2.93% 1.71% 2.21% 2.11% (5.35%) 0.06% 5.04% 5.49% 0.29% 3.94% (1.35%) (3.64%) 9.13% 4.98% 0.99% 11.89% 3.41% 8.05% 3.10% 1.24% 0.15% 5.41% 4.23% 4.85% 5.43%

1.37%

87.78% 95.85% 70.12% 113.38% 103.62% 89.50% 91.59% 100.64% 88.95% 85.85% 92.46% 89.72% 90.95% 111.04% 98.02% 87.98% 86.84% 95.58% 83.40% 103.92% 105.05% 78.80% 78.72% 77.61% 47.26% 90.63% 81.15% 90.70% 94.17% 99.54% 76.20% 86.38% 88.71% 71.07%

94.53%

$411 $608 $284

$61 ($133) $703 $751 $743 $900 $643

$497

0.67% 0.93% 0.36% 0.07% (0.14%) 0.65% 0.65% 0.64% 0.74% 0.52%

0.51%

4.66% 8.15% 4.66% 0.68% (1.14%) 4.63% 7.18% 7.97% 4.92% 5.24%

4.70%

78.58% 73.32% 88.23% 96.47% 96.40% 79.81% 80.61% 81.66% 81.41% 82.17%

83.87%

$48 $50 $70 $111 $64 $66 $65 $97 $65 $59 $98 $73 $75 $61 $74 $55 $81 $67 $68 $75 $74 $65 $65 $59 $60 $75 $72 $79 $59 $61 $75 $68 $80 $80

$63

$72 $98 $78 $75 $119 $67 $85 $62 $77 $73

$81

Run Date: September 7, 2017

Year to Date

Net Income (Loss) Return on Avg

Return on

Oper Exp/ Oper Salary&Benefits/

($000)

Assets (%) Avg Net Worth (%)

Rev (%)

Employees ($000)

$3 ($49) $514 $1,467 ($80) $183 $88 ($74) $176 $161 $57 $178 $175 ($164) ($12) $204 $176 ($15) $330 $40 ($327) $438 $475 $52 $1,195 $403 $358 $299 $123 $572 $615 $528 $468 $704

$82

0.01% (0.16%)

1.56% 4.71% (0.23%) 0.54% 0.22% (0.18%) 0.42% 0.36% 0.11% 0.33% 0.33% (0.31%) (0.02%) 0.33% 0.28% (0.02%) 0.47% 0.06% (0.45%) 0.61% 0.64% 0.06% 1.46% 0.47% 0.39% 0.32% 0.12% 0.55% 0.57% 0.48% 0.39% 0.56%

0.19%

0.13% (2.67%) 13.63% 32.82% (1.88%)

3.45% 2.36% (0.99%) 4.50% 2.60% 1.22% 1.90% 2.54% (4.45%) (0.06%) 3.61% 3.74% (0.27%) 3.35% 0.60% (3.88%) 8.94% 4.94% 0.93% 11.55% 3.80% 3.37% 3.43% 1.04% 4.84% 5.72% 4.80% 4.00% 5.33%

1.42%

89.86% 105.59%

72.79% 46.03% 100.80% 82.76% 93.45% 105.26% 88.26% 87.37% 94.12% 90.93% 89.08% 108.65% 100.08% 89.27% 90.30% 96.69% 86.14% 98.32% 104.11% 79.96% 77.67% 78.71% 48.49% 89.48% 87.77% 90.07% 94.92% 83.87% 77.36% 86.59% 90.96% 72.63%

92.50%

$708 $1,186

$364 $71 $4

$1,311 $1,235 $1,306 $1,586

$894

$867

0.59% 0.92% 0.23% 0.04% 0.00% 0.61% 0.54% 0.57% 0.65% 0.37%

0.45%

4.06% 8.03% 3.00% 0.40% 0.02% 4.34% 5.92% 7.06% 4.38% 3.67%

4.09%

80.93% 73.16% 92.54% 96.45% 89.04% 81.10% 83.60% 82.34% 83.07% 85.86%

84.81%

$49 $53 $71 $121 $63 $65 $64 $98 $63 $59 $98 $73 $73 $58 $76 $55 $78 $65 $72 $73 $74 $64 $64 $63 $61 $74 $66 $76 $59 $61 $77 $68 $81 $79

$63

$72 $98 $80 $73 $98 $69 $91 $61 $79 $73

$79

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 5 of 22

Performance Analysis

Region Institution Name

Asset Group C - $501 million to $1 billion in total assets

Quincy Credit Union I-C Federal Credit Union Massachusetts Institute of Technology Federal Credit Union Sharon Credit Union Direct Federal Credit Union Polish National Credit Union Align Credit Union Merrimack Valley Federal Credit Union Harvard University Employees Credit Union Leominster Credit Union Liberty Bay Credit Union First Citizens' Federal Credit Union St. Mary's Credit Union Webster First Federal Credit Union RTN Federal Credit Union St. Anne's Credit Union of Fall River

Average of Asset Group C

Asset Group D - $1 billion and over in total assets

Greylock Federal Credit Union Hanscom Federal Credit Union Jeanne D'Arc Credit Union Workers Credit Union Rockland Federal Credit Union Metro Credit Union Digital Federal Credit Union

Average of Asset Group D

As of Date

Total Assets ($000)

June 30, 2017

Net Income (Loss) ($000)

Quarter to Date

Return on Avg

Return on

Oper Exp/ Oper Salary&Benefits/

Assets (%) Avg Net Worth (%)

Rev (%)

Employees ($000)

Run Date: September 7, 2017

Year to Date

Net Income (Loss) Return on Avg

Return on

Oper Exp/ Oper Salary&Benefits/

($000)

Assets (%) Avg Net Worth (%)

Rev (%)

Employees ($000)

$512,812 $516,686

$541,793 $566,107 $571,815 $578,052 $600,113 $601,739 $609,491 $655,022 $693,429 $742,144 $833,884 $875,703 $890,028 $910,846

$668,729

$1,108 $952

$969 $1,295 $1,069

$465 $399 $1,178 $2,211 $480 $279 $1,174 $826 $3,003 $510 $1,426

$1,084

$1,134,183 $1,252,174 $1,298,884 $1,595,818 $1,608,675 $1,690,766 $8,071,183

$2,378,812

$1,807 $2,522 $1,848 $2,514 $3,478 $3,557 $22,148

$5,411

0.86% 0.74%

0.72% 0.92% 0.76% 0.32% 0.26% 0.78% 1.46% 0.29% 0.17% 0.64% 0.40% 1.37% 0.23% 0.63%

0.66%

0.64% 0.82% 0.58% 0.64% 0.87% 0.84% 1.10%

0.78%

6.63% 6.86%

9.72% 8.38% 5.58% 2.45% 2.33% 8.03% 16.74% 3.06% 1.16% 6.64% 4.07% 7.43% 2.33% 6.54%

6.12%

69.37% 77.34%

78.92% 72.08% 79.55% 84.90% 90.56% 74.45% 66.40% 88.55% 94.44% 81.59% 82.51% 64.25% 90.23% 75.69%

79.43%

6.53% 8.17% 7.09% 6.04% 7.53% 9.64% 12.03%

8.15%

78.21% 72.53% 74.70% 73.15% 61.37% 75.70% 56.58%

70.32%

$71 $61

$72 $88 $115 $65 $79 $78 $111 $78 $105 $69 $94 $58 $85 $66

$81

$65 $83 $77 $100 $78 $84 $64

$79

$2,137 $1,473

$1,843 $2,153 $1,945

$975 $865 $2,087 $3,600 $708 ($1,183) $1,923 $1,875 $5,718 $1,438 $2,752

$1,894

0.84% 0.57%

0.69% 0.78% 0.70% 0.34% 0.29% 0.70% 1.21% 0.22% (0.36%) 0.53% 0.45% 1.32% 0.32% 0.61%

0.58%

$3,174 $4,600 $3,595 $5,746 $6,614 $6,048 $45,106

$10,698

0.57% 0.76% 0.57% 0.74% 0.83% 0.72% 1.14%

0.76%

6.45% 5.35%

9.37% 7.02% 5.11% 2.58% 2.55% 7.20% 13.86% 2.26% (2.48%) 5.48% 4.66% 7.14% 3.31% 6.36%

5.39%

70.35% 81.71%

79.55% 72.04% 83.19% 86.68% 90.75% 76.56% 69.48% 90.89% 112.40% 82.19% 81.36% 65.11% 86.74% 77.10%

81.63%

5.82% 7.54% 6.96% 6.98% 7.23% 8.28% 12.44%

7.89%

79.92% 73.30% 76.78% 71.43% 62.49% 78.11% 57.00%

71.29%

$70 $63

$73 $87 $121 $64 $80 $78 $107 $78 $95 $72 $94 $58 $79 $65

$80

$69 $83 $79 $96 $78 $85 $63

$79

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 6 of 22

 ................
................

In order to avoid copyright disputes, this page is only a partial summary.

Google Online Preview   Download