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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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202006 202106 %Chg
ASSETS      
Cash & Cash Equivalents $3,765,401,800 $3,897,772,975 3.52%
Government Securities $4,274,696,439 $8,249,514,671 92.98%
Corporate CU $0 $0
Deposit in Banks and S&L's $0 $0
Mutual Funds $62,232,643 $72,190,412 16.00%
All Other Investments $1,129,055,124 $812,700,173 -28.02%
Total Investments $9,231,386,006 $13,032,178,231 41.17%
       
Real Estate Loans $6,286,876,650 $6,459,310,993 2.74%
Auto Loans $3,870,925,668 $3,826,533,366 -1.15%
All Other Loans $1,506,133,780 $1,500,424,419 -0.38%
Total Loans $11,663,936,098 $11,786,268,778 1.05%
       
(Loan Loss Allow) ($92,018,723) ($94,430,239) 2.62%
       
Foreclosed & Repossessed Property $1,884,857 $1,836,835 -2.55%
Land & Buildings $147,247,471 $230,837,530 56.77%
Other Fixed Assets $55,437,548 $57,785,215 4.23%
All Other Assets $615,697,252 $860,108,652 39.70%
TOTAL ASSETS $21,623,570,509 $25,874,585,002 19.66%
       
LIABILITIES & CAPITAL      
Dividends Payable $2,049,448 $0 -100.00%
Notes Payable $325,000,000 $300,000,000 -7.69%
Reverse Repurchase Agreements $0 $0
Other Liabilities $271,114,606 $280,354,708 3.41%
Total Liabilities $598,164,054 $580,354,708 -2.98%
       
Regular Shares & Deposits $7,587,296,549 $7,786,557,403 2.63%
Money Market Shares $3,857,527,264 $5,101,710,327 32.25%
Share Drafts $1,421,237,808 $4,064,502,221 185.98%
IRA & Keogh $1,141,354,713 $1,196,942,300 4.87%
Share Certificates $4,701,546,895 $4,647,506,464 -1.15%
Total Shares $18,708,963,229 $22,797,218,715 21.85%
       
Regular Reserve $1,173,320,513 $1,662,019,399 41.65%
FASB 115 Val Reserves ($37,000,871) ($11,778,656) 68.17%
Undivided Earnings & Other Reserves $815,977,019 $482,624,271 -40.85%
Equity Acquired in Merger $364,146,565 $364,146,565 0.00%
Total Reserves & Undivided Earnings $2,316,443,226 $2,497,011,579 7.80%
TOTAL LIABILITIES & CAPITAL $21,623,570,509 $25,874,585,002 19.66%
       
DELINQUENT LOANS      
2-6 Months Delinq. $37,872,389 $25,140,142 -33.62%
6-12 Months $2,416,523 $5,891,046 143.78%
Over 12 Months $1,053,058 $9,535,012 805.46%
Total Delinquent Loans $41,341,970 $40,566,200 -1.88%
Bankruptcies $8,527,896 $5,812,216 -31.84%
Net Chargeoff (Recov) $26,001,912 $11,563,322 -55.53%
 
Loan Portfolio Profile   % of Total
Unsecured Credit Card $701,871,975 5.95%
All Other Unsecured $785,768,598 6.67%
Student Loans $0 0.00%
New Auto $1,571,982,383 13.34%
Used Auto $2,254,550,983 19.13%
1st Mortgage $5,894,766,870 50.01%
Other Real Estate $564,544,123 4.79%
Other Loans $25,567,692 0.22%
First Mtg Fixed Rate included in above $5,303,391,905 45.00%
Unused Credit/Tot. Invest+Cash 24.24%  
 
  202006 202106 %Chg
INCOME:      
Loans $276,602,773 $242,011,496 -12.51%
(Less Rebates) $0 $0
Investments $62,199,088 $59,937,977 -3.64%
Fee Income $16,632,222 $15,574,226 -6.36%
Trading + Other Operating $67,327,814 $66,995,235 -0.49%
Total Income $422,761,897 $384,518,934 -9.05%
       
EXPENSES:
Employee Compensation & Benefits $127,387,646 $134,322,080 5.44%
Travel & Conference $905,679 $565,359 -37.58%
Office Occupancy $13,043,761 $14,847,171 13.83%
Office Operations $69,829,326 $55,732,186 -20.19%
Education & Promotional $4,500,501 $4,435,224 -1.45%
Loan Servicing $7,438,593 $9,539,678 28.25%
Professional Services $3,283,012 $2,392,126 -27.14%
Member Insurance $33,687 $23,142 -31.30%
Operating Fees $533,096 $475,779 -10.75%
Miscellaneous $4,567,278 $5,553,117 21.58%
Operating Expense Subtotal $231,522,579 $227,885,862 -1.57%
       
Provision for Loan Losses $40,000,000 $8,200,000 -79.50%
Operating Exp. + Provision for Loan Losses $271,522,579 $236,085,862 -13.05%
       
Non-Operating Gain (Loss) $18,586,711 ($3,116,767) -116.77%
Income before Dividends $169,826,029 $145,316,305 -17.73%
Interest on Borrowed Funds $4,227,389 $3,859,494 -8.70%
Dividends $84,567,629 $61,037,632 -27.82%
Net Income Prior to Assessments $81,031,011 $80,419,179 -0.76%
Net NCUSIF & TCCUSIF Expenses $0 $0 4891.10%
Net Income $81,031,011 $80,419,179 -0.76%
       
SELECTED OPERATING DATA:      
Branches 65 69 6.15%
Members 1,117,660 1,162,291 3.99%
Potential Members 3,745,937 4,141,949 10.57%
Employees 2394.5 2467.0 3.03%
Members/Employee 467 471 0.94%
Average Salary & Benefits/Employee $106,400 $108,895 2.34%
Total YTD Loan Originations $3,086,833,561 $3,567,810,851 15.58%
       
KEY RATIOS:
Operating Exp/Income 54.76% 59.27% 8.22%
Dividends/Income 20.00% 15.87% -20.65%
Net Income/Income 19.17% 20.91% 9.12%
Fee+Other Income/Income 19.71% 21.47% 8.97%
Return on Average Assets 0.84% 0.65% -23.22%
Loans/Assets 53.94% 45.55% -15.55%
Net Worth/Assets 10.48% 9.70% -7.47%
Delinquency 0.35% 0.34% -2.89%
% Invest Over 1 yr 43.43% 60.75% 39.87%
Mortgage-Backed Securities/Total Investments 20.86% 38.22% 83.19%
Yield on Investments 1.39% 0.93% -32.26%
Yield on Loans (including Loans Held-for-Sale) 5.10% 4.15% -18.67%
Average Cost of Funds 1.05% 0.59% -44.30%
Gross Spread 2.71% 2.03% -25.12%
Average Loan Balance $15,979 $16,414 2.72%
Average Share Balance $16,739 $19,614 17.17%
Assets/Employee $9,030,516 $10,488,279 16.14%
Avail for Sale/Total Investments 0.00% 0.00%