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Welcome to Search & Analyze!


Welcome to Search & Analyze on CreditUnions.com.

This is a paid feature on CreditUnions.com designed to help credit unions find other executives, build peer groups, and perform simple financial analysis. Want to gain access to these features? Click below to find the subscription option that works best for you.

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Welcome to Search & Analyze!


Welcome to Search & Analyze on CreditUnions.com.

This is a paid feature on CreditUnions.com designed to help suppliers better research and target credit unions across the United States. Subscribers can build lists, research credit union contact and vendor names, and much more! Click below to find the subscription option that works best for you.

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Welcome to Search & Analyze!


Welcome to Search & Analyze on CreditUnions.com.

This is a paid feature on CreditUnions.com designed to help credit unions find other executives, build peer groups, and perform simple financial analysis. Want to gain access to these features? Click below to find the subscription option that works best for you.

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202106 202206 %Chg
ASSETS      
Cash Balances $716,251,167 $358,701,642 -49.92%
Government & Agency Securities $362,560,743 $376,971,162 3.97%
Investments at Other FIs $1,000,000 $1,000,000 0.00%
All Other Investments $176,659,544 $166,494,349 -5.75%
Total Investments $1,256,471,454 $903,167,153 -28.12%
       
Real Estate Loans $1,508,939,056 $1,692,764,243 12.18%
Auto Loans $1,665,509,324 $1,868,282,734 12.17%
All Other Loans $371,105,262 $359,811,616 -3.04%
Total Loans $3,545,553,642 $3,920,858,593 10.59%
       
(Loan Loss Allow) ($16,012,096) ($19,361,773) 20.92%
       
Foreclosed & Repossessed Property $397,459 $501,652 26.21%
Land & Buildings $69,284,948 $76,655,796 10.64%
Other Fixed Assets $17,965,829 $16,230,883 -9.66%
All Other Assets $161,327,584 $286,350,701 77.50%
TOTAL ASSETS $5,034,988,820 $5,184,403,005 2.97%
       
LIABILITIES & CAPITAL      
Dividends Payable $0 $0
Notes Payable $185,299,083 $0 -100.00%
Reverse Repurchase Agreements $0 $0
Subordinated Debt (Included in Net Worth) $0 $0
Other Liabilities $68,367,404 $48,853,473 -28.54%
Total Liabilities $253,666,487 $48,853,473 -80.74%
       
Regular Shares & Deposits $1,599,048,074 $1,790,919,595 12.00%
Money Market Shares $853,898,646 $1,083,335,018 26.87%
Share Drafts $839,594,916 $927,283,648 10.44%
IRA & Keogh $181,656,842 $186,609,964 2.73%
Share Certificates $802,144,867 $627,923,911 -21.72%
Total Shares $4,276,343,345 $4,616,072,136 7.94%
       
Undivided Earnings & Other Reserves $506,697,055 $545,066,733 7.57%
FASB 115 Val Reserves ($13,058,386) ($36,929,656) -182.80%
Equity Acquired in Merger $11,340,319 $11,340,319 0.00%
Total Reserves & Undivided Earnings $504,978,988 $519,477,396 2.87%
TOTAL LIABILITIES & CAPITAL $5,034,988,820 $5,184,403,005 2.97%
       
DELINQUENT LOANS      
2-6 Months Delinq. $3,485,345 $7,014,115 101.25%
6-12 Months $93,127 $303 -99.67%
Over 12 Months $230,173 $221,937 -3.58%
Total Delinquent Loans $3,808,645 $7,236,355 90.00%
Bankruptcies $1,190,465 $782,326 -34.28%
Net Chargeoff (Recov) $2,106,425 $4,208,216 99.78%
 
Loan Portfolio Profile   % of Total
Unsecured Credit Card $99,037,915 2.53%
All Other Unsecured $229,548,951 5.85%
Student Loans $3,876,927 0.10%
New Auto $708,035,111 18.06%
Used Auto $1,160,247,623 29.59%
1st Mortgage $980,239,076 25.00%
Other Real Estate $149,558,500 3.81%
Other Loans $590,314,490 15.06%
First Mtg Fixed Rate included in above $908,215,196 23.16%
Unused Credit/Tot. Invest+Cash 78.54%  
 
  202106 202206 %Chg
INCOME:      
Loans $68,875,620 $70,497,656 2.36%
(Less Rebates) $0 $0
Investments $2,325,743 $4,449,230 91.30%
Fee Income $14,141,289 $13,836,137 -2.16%
Trading + Other Operating $28,028,983 $29,916,747 6.74%
Total Income $113,371,635 $118,699,770 4.70%
       
EXPENSES:
Employee Compensation & Benefits $37,412,472 $39,562,465 5.75%
Travel & Conference $59,076 $238,756 304.15%
Office Occupancy $3,643,709 $3,991,495 9.54%
Office Operations $12,197,586 $14,134,953 15.88%
Education & Promotional $2,882,139 $3,702,619 28.47%
Loan Servicing $1,425,603 $1,901,777 33.40%
Professional Services $10,834,014 $12,831,935 18.44%
Member Insurance $37,685 $47,076 24.92%
Operating Fees $280,787 $242,909 -13.49%
Miscellaneous $2,836,865 $3,460,944 22.00%
Operating Expense Subtotal $71,609,936 $80,114,929 11.88%
       
Provision for Loan Losses $5,295,806 $4,338,235 -18.08%
Operating Exp. + Provision for Loan Losses $76,905,742 $84,453,164 9.81%
       
Non-Operating Gain (Loss) ($981,930) ($3,661,302) -272.87%
Income before Dividends $35,483,963 $30,585,304 -13.81%
Interest on Borrowed Funds $1,820,646 $1,400,421 -23.08%
Dividends $13,891,570 $11,659,408 -16.07%
Net Income $19,771,747 $17,525,475 -11.36%
       
SELECTED OPERATING DATA:      
Branches 52
Members 334,724 331,109 -1.08%
Potential Members 23,307,637 23,314,495 0.03%
Employees 826.5 852.5 3.15%
Members/Employee 405 388 -4.10%
Average Salary & Benefits/Employee $90,532 $92,815 2.52%
Total YTD Loan Originations $776,434,703 $837,018,024 7.80%
       
KEY RATIOS:
Operating Exp/Income 63.16% 67.49%
Dividends/Income 12.25% 9.82%
Net Income/Income 17.44% 14.76%
Fee+Other Income/Income 37.20% 36.86%
Return on Average Assets 0.82% 0.68%
Loans/Assets 70.42% 75.63%
Net Worth/Assets 10.29% 10.73%
Delinquency 0.11% 0.18%
% Invest Over 1 yr 18.39% 27.66%
Yield on Investments 0.45% 0.83%
Yield on Loans (including Loans Held-for-Sale) 3.91% 3.71%
Average Cost of Funds 0.74% 0.56%
Gross Spread 2.47% 2.48%
Average Loan Balance $19,558 $20,413
Average Share Balance $12,776 $13,941
Assets/Employee $6,091,940 $6,081,411
Avail for Sale/Total Investments 32.42% 50.71%