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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 $11,891,739,013 $11,394,571,028 -4.18%
Government & Agency Securities $12,346,501,289 $12,782,089,963 3.53%
Investments at Other FIs $399,000 $249,000 -37.59%
All Other Investments $100,507,559 $89,884,284 -10.57%
Total Investments $24,339,146,861 $24,266,794,275 -0.30%
       
Real Estate Loans $18,843,953,463 $21,323,874,810 13.16%
Auto Loans $3,026,034,525 $3,378,643,348 11.65%
All Other Loans $2,291,372,618 $2,596,515,284 13.32%
Total Loans $24,161,360,606 $27,299,033,442 12.99%
       
(Loan Loss Allow) ($398,174,331) ($332,529,945) -16.49%
       
Foreclosed & Repossessed Property $3,106,432 $4,676,802 50.55%
Land & Buildings $1,069,185,508 $1,072,281,793 0.29%
Other Fixed Assets $178,248,698 $175,391,619 -1.60%
All Other Assets $586,257,073 $646,602,394 10.29%
TOTAL ASSETS $49,939,130,847 $53,132,250,380 6.39%
       
LIABILITIES & CAPITAL      
Dividends Payable $6,537,735 $6,853,650 4.83%
Notes Payable $0 $0
Reverse Repurchase Agreements $0 $0
Subordinated Debt (Included in Net Worth) $0 $0
Other Liabilities $457,083,969 $533,431,057 16.70%
Total Liabilities $463,621,704 $540,284,707 16.54%
       
Regular Shares & Deposits $7,850,781,024 $9,250,577,007 17.83%
Money Market Shares $22,677,074,681 $24,124,992,286 6.38%
Share Drafts $6,250,399,570 $7,049,378,833 12.78%
IRA & Keogh $4,051,415,538 $3,961,578,188 -2.22%
Share Certificates $4,723,487,910 $4,491,870,243 -4.90%
Total Shares $45,553,158,723 $48,878,396,557 7.30%
       
Undivided Earnings & Other Reserves $4,043,437,146 $4,606,001,697 13.91%
FASB 115 Val Reserves ($122,881,703) ($894,227,558) -627.71%
Equity Acquired in Merger $1,794,977 $1,794,977 0.00%
Total Reserves & Undivided Earnings $3,922,350,420 $3,713,569,116 -5.32%
TOTAL LIABILITIES & CAPITAL $49,939,130,847 $53,132,250,380 6.39%
       
DELINQUENT LOANS      
2-6 Months Delinq. $215,203,499 $318,231,425 47.87%
6-12 Months $49,425,258 $45,970,311 -6.99%
Over 12 Months $27,981,825 $20,170,129 -27.92%
Total Delinquent Loans $292,610,582 $384,371,865 31.36%
Bankruptcies $19,293,121 $102,043,690 428.91%
Net Chargeoff (Recov) $25,311,655 $40,483,500 59.94%
 
Loan Portfolio Profile   % of Total
Unsecured Credit Card $920,555,230 3.37%
All Other Unsecured $1,636,141,205 5.99%
Student Loans $0 0.00%
New Auto $837,579,169 3.07%
Used Auto $2,541,064,179 9.31%
1st Mortgage $20,524,085,329 75.18%
Other Real Estate $799,789,481 2.93%
Other Loans $39,818,849 0.15%
First Mtg Fixed Rate included in above $8,322,099,576 30.48%
Unused Credit/Tot. Invest+Cash 17.48%  
 
  202106 202206 %Chg
INCOME:      
Loans $579,272,355 $583,472,683 0.73%
(Less Rebates) $0 $0
Investments $60,662,551 $80,573,861 32.82%
Fee Income $69,738,040 $73,045,886 4.74%
Trading + Other Operating $129,844,893 $137,053,501 5.55%
Total Income $839,517,839 $874,145,931 4.12%
       
EXPENSES:
Employee Compensation & Benefits $291,321,751 $316,390,257 8.61%
Travel & Conference $227,927 $1,986,832 771.70%
Office Occupancy $44,242,146 $49,044,190 10.85%
Office Operations $128,100,179 $125,667,193 -1.90%
Education & Promotional $185,852 $438,640 136.02%
Loan Servicing $4,328,662 $5,447,351 25.84%
Professional Services $7,175,042 $9,700,455 35.20%
Member Insurance $0 $0
Operating Fees $343,005 $407,002 18.66%
Miscellaneous $14,015,644 $17,129,123 22.21%
Operating Expense Subtotal $489,940,208 $526,211,043 7.40%
       
Provision for Loan Losses $10,033,564 $0 -100.00%
Operating Exp. + Provision for Loan Losses $499,973,772 $526,211,043 5.25%
       
Non-Operating Gain (Loss) $6,352,394 ($2,583,931) -140.68%
Income before Dividends $345,896,461 $345,350,957 -0.16%
Interest on Borrowed Funds $0 $0
Dividends $68,149,414 $61,342,122 -9.99%
Net Income $277,747,047 $284,008,835 2.25%
       
SELECTED OPERATING DATA:      
Branches 272
Members 2,604,542 2,681,445 2.95%
Potential Members 2,604,543 2,681,446 2.95%
Employees 6,915.5 7,654.5 10.69%
Members/Employee 377 350 -6.99%
Average Salary & Benefits/Employee $84,252 $82,668 -1.88%
Total YTD Loan Originations $5,271,477,760 $6,747,647,611 28.00%
       
KEY RATIOS:
Operating Exp/Income 58.36% 60.20%
Dividends/Income 8.12% 7.02%
Net Income/Income 33.08% 32.49%
Fee+Other Income/Income 23.77% 24.03%
Return on Average Assets 1.14% 1.08%
Loans/Assets 48.38% 51.38%
Net Worth/Assets 8.10% 8.67%
Delinquency 1.21% 1.41%
% Invest Over 1 yr 40.40% 50.70%
Yield on Investments 0.55% 0.68%
Yield on Loans (including Loans Held-for-Sale) 4.75% 4.43%
Average Cost of Funds 0.31% 0.26%
Gross Spread 2.40% 2.34%
Average Loan Balance $23,628 $25,858
Average Share Balance $17,490 $18,228
Assets/Employee $7,221,333 $6,941,309
Avail for Sale/Total Investments 50.73% 52.67%