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Rankings of Federal Credit Unions

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					                                                                                                                                                Cycle Date:      March-2010
                                                                                                                                                  Run Date:      06/03/2010
                                                                                                                                                   Interval:     Quarterly
            Page              Click on links below to jump to FPR contents
              1               Summary Financial Information
              2               Ratio Analysis
              3               Supplemental Ratios
              4               Assets
              5               Liabilities, Shares & Equity
              6               Income Statement
              7               Delinquent Loan Information
              8               Loan Losses, Bankruptcy Information, & Loan Modifications
              9               Indirect & Participation Lending
             10               Real Estate Loan Information 1
             11               Real Estate Loan Information 2
             12               Member Business Loan Information
             13               Investments, Cash, & Cash Equivalents
             14               Other Investment Information
             15               Supplemental Share Information, Off Balance Sheet, & Borrowings
             16               Miscellaneous Information, Programs, & Services
             17               Information Systems & Technology
             18               Graphs 1                   (Delinquency & Net Charge-offs, Loan & Share Growth, Net Worth, Return on Average Assets)
             19               Graphs 2                   (Loans/Assets, Net Long-Term Assets, Net Interest Margin, Cash & Short Term Investments)

                              Parameters:                   Region: Nation * Peer Group: All * Types Included: All Federally Insured Credit Unions (FICUs) *




                                                                                          Count of CU :                       7498
                                                                                          Asset Range :                       N/A
                                                                                          Peer Group Number :                 N/A
                                                                                          Count of CU in Peer Group :         N/A



Charter-Region-SE-District:
N/A - N/A - N/A - N/A

*Note to Users: The peer groups and resulting peer average ratios are based upon all federally insured credit unions within the asset range. Peer average
ratios are not available for aggregate reports.
The ratios on aggregate FPRs are consolidated ratios for the group of credit unions included in the report and do not represent a peer average for that group.
                                                                                       Summary Financial Information
Return to cover                                                                                 For Charter : N/A
06/03/2010                                                                                     Count of CU : 7498
CU Name:      N/A                                                                             Asset Range : N/A
Peer Group:     N/A                                                                                 Criteria : Region: Nation * Peer Group: All * Types Included: All Federally Insured Credit Unions (FICUs) *
                                                                                 Count of CU in Peer Group : N/A

                                                                             Mar-2009              Jun-2009     % Chg            Sep-2009     % Chg            Dec-2009     % Chg             Mar-2010     % Chg
ASSETS:                                                                  Amount                Amount                        Amount                        Amount                         Amount
 Cash & Equivalents                                                     70,258,874,559        61,106,366,628     -13.0      58,261,712,315      -4.7      67,599,075,961      16.0       78,883,573,571      16.7
TOTAL INVESTMENTS                                                      189,779,340,834       203,807,648,760       7.4     206,502,151,577       1.3     210,737,708,922       2.1      218,788,991,540       3.8
 Loans Held for Sale                                                     2,671,055,294         3,075,918,633      15.2       1,531,426,733     -50.2       2,264,461,472      47.9        1,244,764,771     -45.0

 Real Estate Loans                                                     305,903,238,370       308,157,964,372      0.7      309,847,215,382       0.5     309,602,150,409      -0.1      308,782,928,523     -0.3
 Unsecured Loans                                                        56,018,250,656        57,174,906,701      2.1       58,686,595,710       2.6      60,409,484,173       2.9       58,719,264,353     -2.8
 Other Loans                                                           203,258,892,668       204,711,141,307      0.7      206,962,296,890       1.1     202,495,512,678      -2.2      198,194,125,335     -2.1
 TOTAL LOANS                                                           565,180,381,694       570,044,012,380      0.9      575,496,107,982       1.0     572,507,147,260      -0.5      565,696,318,211     -1.2
 (Allowance for Loan & Lease Losses)                                    (6,775,275,823)       (7,509,917,931)    10.8       (8,094,301,503)      7.8      (8,809,113,178)      8.8       (8,987,739,074)     2.0
 Land And Building                                                      15,395,639,391        15,643,482,396      1.6       15,892,234,209       1.6      16,147,657,905       1.6       16,245,845,939      0.6
 Other Fixed Assets                                                       3,760,364,500         3,716,367,947    -1.2         3,638,071,896     -2.1        3,554,983,946     -2.3         3,515,814,497    -1.1
 NCUSIF Deposit                                                           2,067,497,235         6,118,996,424   196.0         6,155,920,410      0.6        7,036,361,787     14.3         7,046,914,486     0.1
 All Other Assets                                                       13,918,660,332        14,152,713,553      1.7       14,570,058,403       2.9      13,614,105,131      -6.6       15,187,991,084     11.6
   TOTAL ASSETS                                                        856,256,538,016       870,155,588,790      1.6      873,953,382,022       0.4     884,652,389,206       1.2      897,622,475,025      1.5
LIABILITIES & CAPITAL:
 Dividends Payable                                                         554,238,661           515,995,329     -6.9          480,390,221      -6.9         495,944,914       3.2          398,546,542     -19.6
 Notes & Interest Payable                                               40,938,566,909        39,470,761,472     -3.6       39,365,365,694      -0.3      37,453,999,286      -4.9       28,339,675,548     -24.3
 Accounts Payable & Other Liabilities                                    8,916,049,968         8,820,156,498     -1.1        8,579,043,309      -2.7       7,271,557,412     -15.2        7,575,127,991       4.2
 Uninsured Secondary Capital                                                32,391,226            47,490,486     46.6           47,900,400       0.9          79,082,300      65.1           88,246,159      11.6
   TOTAL LIABILITIES                                                    50,441,246,764        48,854,403,785     -3.1       48,472,699,624      -0.8      45,300,583,912      -6.5       36,401,596,240     -19.6
 Share Drafts                                                           78,497,327,097        78,479,211,803      0.0       77,592,691,927      -1.1      85,227,528,237       9.8       86,333,479,155       1.3
 Regular shares                                                        192,853,173,057       198,006,463,493      2.7      197,043,874,540      -0.5     199,786,195,809       1.4      213,143,650,260       6.7
 All Other Shares & Deposits                                           453,121,251,228       459,045,011,691      1.3      463,742,203,280       1.0     467,651,999,416       0.8      473,770,811,787       1.3
   TOTAL SHARES & DEPOSITS                                             724,471,751,382       735,530,686,987      1.5      738,378,769,747       0.4     752,665,723,462       1.9      773,247,941,202       2.7
 Regular Reserve                                                        18,738,195,108        18,830,595,922      0.5       18,908,998,595       0.4      18,908,592,606       0.0       18,993,991,188       0.5
 Other Reserves                                                          7,066,562,049         7,365,211,134      4.2        8,328,075,422      13.1       8,196,931,727      -1.6        8,637,700,776       5.4
 Undivided Earnings                                                     55,538,782,713        59,574,690,962      7.3       59,864,838,634       0.5      59,580,557,499      -0.5       60,341,245,619       1.3
   TOTAL EQUITY                                                         81,343,539,870        85,770,498,018      5.4       87,101,912,651       1.6      86,686,081,832      -0.5       87,972,937,583       1.5
   TOTAL LIABILITIES, SHARES, & EQUITY                                 856,256,538,016       870,155,588,790      1.6      873,953,382,022       0.4     884,652,389,206       1.2      897,622,475,025       1.5
INCOME & EXPENSE
 Loan Income*                                                            8,979,044,096        17,874,467,506     -0.5       26,848,501,733       0.1      35,747,368,395      -0.1        8,719,561,114      -2.4
 Investment Income*                                                      1,618,433,013         3,231,039,437     -0.2        4,794,313,272      -1.1       6,265,214,243      -2.0        1,457,284,757      -7.0
 Other Income*                                                           2,635,084,706         5,992,466,075     13.7        8,624,067,537      -4.1      11,494,441,829       0.0        2,707,399,571      -5.8
 Salaries & Benefits*                                                    3,404,972,266         6,802,096,073     -0.1       10,190,903,318      -0.1      13,675,512,787       0.6        3,454,823,476       1.1
 Total Other Operating Expenses*                                         3,321,985,426         6,578,370,100     -1.0        9,947,905,353       0.8      13,324,451,123       0.5        3,462,055,550       3.9
 Non-operating Income & (Expense)*                                        -311,761,381         2,421,670,184    488.4         -298,637,183    -108.2        -974,976,117    -144.9          -33,596,102      86.2
 NCUSIF Stabilization Income*                                                      N/A                   N/A                 3,168,868,889                 3,378,264,385     -20.0               80,530    -100.0
 Provision for Loan/Lease Losses*                                        2,102,663,053         4,577,397,445       8.8       6,894,287,266       0.4       9,508,354,938       3.4        1,850,028,197     -22.2
 Cost of Funds*                                                          4,100,362,666         7,891,742,936      -3.8      11,430,346,125      -3.4      14,789,431,458      -3.0        2,968,225,067     -19.7
NET INCOME (LOSS) BEFORE NCUSIF
  STABILIZATION EXPENSE*                                                    -9,182,977         3,670,036,648 ######          4,673,672,186     -15.1        4,612,562,429    -26.0        1,115,597,580     -3.3
NCUSIF Stabilization Expense*                                            3,387,134,121         2,514,902,993   -62.9         2,913,886,599     -22.8        3,058,226,011    -21.3           54,956,869    -92.8
 Net Income (Loss)*                                                     -3,396,317,098         1,155,133,655   117.0         1,759,785,587       1.6        1,554,336,418    -33.8        1,060,640,711    173.0
TOTAL CU's                                                                       7,749                 7,691    -0.7                 7,637      -0.7                7,554     -1.1                7,498     -0.7
* Income/Expense items are year-to-date while the related %change ratios are annualized.
# Means the number is too large to display in the cell


                                                                                                                                                                                             1. Summary Financial
                                                                                           Ratio Analysis
Return to cover                                                                      For Charter : N/A
06/03/2010                                                                          Count of CU : 7498
CU Name:      N/A                                                                   Asset Range : N/A
Peer Group:     N/A                                                                      Criteria : Region: Nation * Peer Group: All * Types Included: All Federally Insured Credit Unions

                                                                     Count of CU in Peer Group : N/A                                 Dec-2009                                 Mar-2010


                                                                            Mar-2009       Jun-2009     Sep-2009        Dec-2009      PEER Avg Percentile**        Mar-2010   PEER Avg Percentile**
CAPITAL ADEQUACY
  Net Worth/Total Assets                                                          9.66         10.03        10.05             9.90         N/A         N/A             9.87         N/A         N/A
  Net Worth/Total Assets--Including Optional
   Total Assets Election (if used)                                                9.73         10.08        10.08             9.93         N/A         N/A             9.91         N/A         N/A
  Total Delinquent Loans / Net Worth                                              9.96         10.42        11.07            11.98         N/A         N/A            11.22         N/A         N/A
  Solvency Evaluation (Estimated)                                             111.22          111.66       111.79          111.52          N/A         N/A           111.39         N/A         N/A
  Classified Assets (Estimated) / Net Worth                                       8.28          8.67         9.28            10.08         N/A         N/A            10.16         N/A         N/A
ASSET QUALITY
  Delinquent Loans / Total Loans                                                  1.46          1.60         1.69             1.83         N/A         N/A             1.76         N/A         N/A
  * Net Charge-Offs / Average Loans                                               1.10          1.15         1.17             1.21         N/A         N/A             1.19         N/A         N/A
  Fair (Market) HTM Invest Value/Book Value HTM Invest.                       101.83          101.04       101.10          100.17          N/A         N/A           100.90         N/A         N/A
  Accum Unreal G/L On AFS/Cost Of AFS                                             0.16          0.09         0.97             0.56         N/A         N/A             0.70         N/A         N/A
  Delinquent Loans / Assets                                                       0.96          1.04         1.11             1.19         N/A         N/A             1.11         N/A         N/A
EARNINGS
  * Return On Average Assets                                                     -1.63          0.27         0.28             0.18         N/A         N/A             0.48         N/A         N/A
  *Return On Average Assets Before NCUSIF Stabilization
     Income/Expense                                                               0.00          0.87         0.24             0.15         N/A         N/A             0.50         N/A         N/A
  * Gross Income/Average Assets                                                   6.35          6.45         6.37             6.31         N/A         N/A             5.78         N/A         N/A
  * Yield on Average Loans                                                        6.35          6.29         6.27             6.28         N/A         N/A             6.13         N/A         N/A
  * Yield on Average Investments                                                  2.82          2.78         2.76             2.63         N/A         N/A             2.08         N/A         N/A
  * Fee & Other Op.Income / Avg. Assets                                           1.26          1.43         1.36             1.36         N/A         N/A             1.22         N/A         N/A
  * Cost of Funds / Avg. Assets                                                   1.97          1.88         1.81             1.74         N/A         N/A             1.33         N/A         N/A
  * Net Margin / Avg. Assets                                                      4.38          4.57         4.56             4.57         N/A         N/A             4.45         N/A         N/A
  * Operating Exp./ Avg. Assets                                                   4.85          3.78         3.65             3.55         N/A         N/A             3.13         N/A         N/A
  * Provision For Loan & Lease Losses / Average Assets                            1.01          1.09         1.09             1.12         N/A         N/A             0.83         N/A         N/A
  * Net Interest Margin/Avg. Assets                                               3.12          3.14         3.20             3.21         N/A         N/A             3.24         N/A         N/A
   Operating Exp./Gross Income                                                  76.43          58.66        57.25            56.18         N/A         N/A            54.11         N/A         N/A
                                                                      1
   Fixed Assets & Foreclosed & Repossessed Assets / Total Assets                  2.56          2.55         2.57             2.57         N/A         N/A             2.56         N/A         N/A
  * Net Operating Exp. /Avg. Assets                                               4.07          2.98         2.82             2.71         N/A         N/A             2.39         N/A         N/A
ASSET / LIABILITY MANAGEMENT
  Net Long-Term Assets / Total Assets                                           30.33          30.99        31.21            31.52         N/A         N/A            31.84         N/A         N/A
  Reg. Shares / Total Shares & Borrowings                                       25.21          25.56        25.35            25.30         N/A         N/A            26.61         N/A         N/A
  Total Loans / Total Shares                                                    78.01          77.50        77.94            76.06         N/A         N/A            73.16         N/A         N/A
  Total Loans / Total Assets                                                    66.01          65.51        65.85            64.72         N/A         N/A            63.02         N/A         N/A
  Cash + Short-Term Investments / Assets                                        17.95          16.92        16.24            16.80         N/A         N/A            16.91         N/A         N/A
  Total Shares, Dep. & Borrs / Earning Assets                                   93.55          93.61        93.40            93.70         N/A         N/A            93.67         N/A         N/A
  Reg Shares + Share Drafts / Total Shares & Borrs                              35.47          35.70        35.33            36.09         N/A         N/A            37.38         N/A         N/A
  Borrowings / Total Shares & Net Worth                                           5.02          4.74         4.70             4.40         N/A         N/A             3.23         N/A         N/A
PRODUCTIVITY
  Members / Potential Members                                                     6.77          6.72         6.65             6.57         N/A         N/A             6.43         N/A         N/A
  Borrowers / Members                                                           50.35          50.34        50.63            50.97         N/A         N/A            50.08         N/A         N/A
  Members / Full-Time Employees                                               375.92          379.49       383.69          382.83          N/A         N/A           384.13         N/A         N/A
  Avg. Shares Per Member                                                      $8,119          $8,204       $8,191          $8,369          N/A         N/A           $8,569         N/A         N/A
  Avg. Loan Balance                                                          $12,580         $12,630      $12,610         $12,489          N/A         N/A          $12,518         N/A         N/A
 * Salary And Benefits / Full-Time Empl.                                     $57,376         $57,585      $57,834         $58,215          N/A         N/A          $58,825         N/A         N/A
OTHER RATIOS
 * Net Worth Growth                                                            -15.43           2.74         2.69             1.77         N/A         N/A             4.66         N/A         N/A
 * Market (Share) Growth                                                        25.45          15.97        11.21            10.50         N/A         N/A            10.94         N/A         N/A
 * Loan Growth                                                                   -0.58          1.43         2.24             1.15         N/A         N/A            -4.76         N/A         N/A
 * Asset Growth                                                                 22.28          14.57        10.33             9.07         N/A         N/A             5.86         N/A         N/A
 * Investment Growth                                                            90.67          50.05        32.93            31.26         N/A         N/A            28.61         N/A         N/A
 * Membership Growth                                                              2.93          2.41         2.35             1.52         N/A         N/A             1.38         N/A         N/A
* Annualization factor: March = 4; June = 2; September =4/3; December = 1 (or no annualizing)
**Percentile Rankings and Peer Average Ratios are produced once a quarter after the data collection is complete.
Subsequent corrections to data after this date are not reflected in the Percentile Rank or the Peer Average Ratios until the next cycle.
Percentile Rankings show where the credit union stands in relation to its peers in key areas of performance. To arrive at the percentile ranking, all data for
all credit unions in a peer group are arranged in order from highest (100) to lowest (0) value. The percentile ranking assigned to the credit union is a measure
of the relative standing of that ratio in the entire range of ratios. A high or low ranking does not imply good or bad performance. However, when reviewed in
relation to other available data, users may draw conclusions as to the importance of the percentile rank to the credit union's financial performance.
1
    For periods before 2004, the Fixed Assets & Foreclosed and Repossessed assets did not include repossessed vehicles.
                                                                                                                                                                                           2. Ratios
                                                                                                                 Supplemental Ratio Analysis
Return to cover                                                                                                   For Charter : N/A
06/03/2010                                                                                                       Count of CU : 7498
CU Name:      N/A                                                                                                Asset Range : N/A
Peer Group:     N/A                                                                                                   Criteria : Region: Nation * Peer Group: All *
                                                                                                   Count of CU in Peer Group : N/A

                                                                                                        Mar-2009      Jun-2009      Sep-2009      Dec-2009      Mar-2010
OTHER DELINQUENCY RATIOS
Credit Cards DQ > 2 Mo / Total Credit Card Loans                                                            1.99          1.97          2.03          2.06             1.90
All Other Loans Delinquent > 2 Mo / Total All Other Loans                                                   1.46          1.48          1.49          1.59             1.38
Leases Receivable Delinquent > 2 Mo / Total Leases Receivable                                               0.93          0.98          0.79          0.86             0.66
Modified Consumer Lns Not Secured by RE > 2 Mo / Modified Consumer Lns Not Secured by RE                    N/A            N/A           N/A           N/A            16.43
Indirect Loans Delinquent > 2 Mo / Total Indirect Loans                                                     1.37          1.38          1.39          1.47             1.17
Participation Loans Delinquent > 2 Mo / Total Participation Loans                                           3.38          3.91          3.76          3.51             4.42
Business Loans Delinquent > 1 Mo / Total Business Loans Less Unfund Comm                                    4.01          4.57          4.86          5.34             5.91
Business Loans Delinquent > 2 Mo / Total Business Loans Less Unfund Comm                                    2.71          3.34          3.36          3.69             4.06
Modified Business Lns Not Secured by RE > 2 Mo / Modified Business Lns Not Secured by RE                    N/A            N/A           N/A           N/A            19.57
REAL ESTATE LOAN DELINQUENCY
1st Mortgage Fixed and Hybrid/Balloon (> 5 years) Delinquent > 2 Mo
  / Total 1st Mtg Fixed and Hybrid/Balloon > 5 years                                                        0.93          1.08          1.22          1.37             1.43
1st Mortgage Adjustable Rate and Hybrid/Balloon (< 5 years) Delinquent > 2 Mo
  / Total 1st Mtg Adjustable Rate and Hybrid/Balloon < 5 years                                              2.18          2.62          2.84          3.15             3.21
Other Real Estate Fixed/Hybrid/Balloon Loans Delinquent > 2 Mo
  / Total Other RE Fixed/Hybrid/Balloon Loans                                                               1.23          1.51          1.72          1.84             1.80
Other Real Estate Adjustable Rate Loans Delinquent > 2 Mo / Total Other RE Adjustable Rate Loans            1.22          1.35          1.32          1.37             1.33
Interest Only and Payment Option First Mortgage Loans Delinquent > 2 Mo
  / Total Int Only and Pmt Opt First Mtg Loans                                                              4.85          5.72          6.11          6.45             7.92
Total Modified 1st and Other RE > 2 Mo Del / Total Modified 1st and Other RE                               20.06         19.30         20.55         22.31            22.35
Modified RE Lns also Reported as Business Loans > 2 Mo Del
  / Total Modified RE Lns also Reported as Business Loans                                                  27.05         24.46         28.64         28.24            29.52
Total Real Estate Loans DQ > 1 Mo / Total Real Estate Loans                                                 2.44          2.62          2.93          3.31             3.31
Total Real Estate Loans DQ > 2 Mo / Total Real Estate Loans                                                 1.40          1.65          1.81          1.99             2.02
MISCELLANEOUS LOAN LOSS RATIOS
Charge Offs Due To Bankruptcy (YTD) / Total Charge Offs (YTD)                                              18.27         19.76         20.02         20.78            21.47
* Net Charge Offs - Credit Cards / Avg Credit Card Loans                                                    4.01          4.22          4.24          4.30             4.55
* Net Charge Offs - All Other Loans / Avg All Other Loans                                                   1.60          1.63          1.60          1.64             1.46
* Net Charge Offs - Total Real Estate Loans / Avg Total Real Estate Loans                                   0.42          0.47          0.51          0.55             0.61
* Net Charge Offs - 1st Mortgage Loans / Avg 1st Mortgage Loans                                             0.21          0.21          0.24          0.27             0.33
* Net Charge Offs - Other RE Loans/ Avg Other RE Loans                                                      0.89          1.03          1.12          1.19             1.29
* Net Charge Offs - Interest Only and Payment Option First Mortgage Loans
  / Avg Interest Only and Payment Option First Mortgage Loans                                              0.60          0.78          0.88          0.86          1.19
* Net Charge Offs - Leases Receivable / Avg Leases Receivable                                              2.26          2.69          2.59          2.38          2.43
* Net Charge Offs - Indirect Loans / Avg Indirect Loans                                                    1.79          1.81          1.73          1.72          1.43
* Net Charge Offs - Participation Loans / Avg Participation Loans                                       #NAME?        #NAME?        #NAME?        #NAME?        #NAME?
* Net Charge Offs - Member Business Loans / Avg Member Business Loans                                   #NAME?        #NAME?        #NAME?        #NAME?        #NAME?
SPECIALIZED LENDING RATIOS
Indirect Loans Outstanding / Total Loans                                                                   13.36         13.44         13.51         13.24            13.05
Participation Loans Outstanding / Total Loans                                                               2.06          2.10          2.09          2.17             2.20
Participation Loans Purchased YTD / Total Loans Granted YTD                                                 0.90          0.86          0.91          0.96             1.01
* Participation Loans Sold YTD / Total Assets                                                               0.21          0.26          0.24          0.24             0.17
Total Business Loans (NMBLB) Less Unfunded Commitments / Total Assets                                       3.63          3.68          3.76          3.78             3.79
Loans Purchased From Other Financial Institutions YTD / Loans Granted YTD                                   0.19          0.17          0.22          0.28             0.48
REAL ESTATE LENDING RATIOS
Total Fixed Rate Real Estate / Total Assets                                                                22.78         22.63         22.61         22.28            21.83
Total Fixed Rate Real Estate / Total Loans                                                                 34.52         34.55         34.34         34.42            34.64
Total Fixed Rate RE Granted YTD / Total Loans Granted YTD                                                  37.28         37.35         35.10         33.81            25.73
First Mtg RE Loans Sold YTD/ First Mtg RE Loans Granted YTD                                                53.88         55.19         54.50         54.00            55.15
Interest Only & Payment Option First Mortgages / Total Assets                                               0.85          0.83          0.80          0.79             0.75
Interest Only & Payment Option First Mortgages / Net Worth                                                  8.82          8.24          7.91          7.99             7.58
MISCELLANEOUS RATIOS
Mortgage Servicing Rights / Net Worth                                                                      0.55          0.69          0.72          0.78          0.80
Unused Commitments / Cash & ST Investments                                                              #NAME?        #NAME?        #NAME?        #NAME?        #NAME?
* Annualization factor: March = 4; June = 2; September =4/3; December = 1 (or no annualizing)
**Percentile Rankings and Peer Average Ratios are not calculated for Supplemental Ratios.
# Means the number is too large to display in the cell


                                                                                                                                                             3. SuppRatios
                                                                                                    Assets
Return to cover                                                                            For Charter : N/A
06/03/2010                                                                                Count of CU : 7498
CU Name:      N/A                                                                         Asset Range : N/A
Peer Group:     N/A                                                                            Criteria : Region: Nation * Peer Group: All * Types Included: All Federally Insured Credit Unions (FICUs) *
                                                                            Count of CU in Peer Group : N/A

                                                                         Mar-2009              Jun-2009    % Chg             Sep-2009    % Chg             Dec-2009     % Chg             Mar-2010     % Chg
ASSETS
CASH:
  Cash On Hand                                                       7,056,568,428        7,038,771,634      -0.3       7,526,950,431       6.9        7,558,580,251      0.4        7,538,735,518        -0.3
  Cash On Deposit                                                   53,449,263,079       46,830,718,124     -12.4      44,731,275,884      -4.5       53,285,892,843     19.1       63,313,774,636        18.8
  Cash Equivalents                                                   9,753,043,052        7,236,876,870     -25.8       6,003,486,000     -17.0        6,754,602,867     12.5        8,031,063,417        18.9
TOTAL CASH & EQUIVALENTS                                            70,258,874,559       61,106,366,628     -13.0      58,261,712,315      -4.7       67,599,075,961     16.0       78,883,573,571        16.7

INVESTMENTS:
  Trading Securities                                                   641,514,119          743,892,548     16.0          815,757,956       9.7          956,703,729     17.3        1,043,367,533         9.1
  Available for Sale Securities                                     83,672,283,838       89,802,857,971      7.3       93,088,056,550       3.7       97,225,298,788      4.4      108,115,788,777        11.2
  Held-to-Maturity Securities                                       28,333,260,064       30,836,999,571      8.8       32,503,386,617       5.4       34,831,764,380      7.2       37,432,564,249         7.5
  Deposits in Commercial Banks, S&Ls, Savings Banks                 31,620,218,918       34,849,141,820     10.2       35,650,960,843       2.3       36,940,914,620      3.6       39,873,483,070         7.9
Loans to, Deposits in, and Investments in Natural
 Person Credit Unions2                                               2,078,077,823        1,965,902,902      -5.4       1,945,708,289      -1.0        1,953,504,507       0.4       1,894,538,118        -3.0
  Total MCSD and PIC in Corporate CUs                                2,471,592,528        2,297,537,274      -7.0       1,997,550,698     -13.1        1,371,625,167     -31.3       1,220,437,321       -11.0
  All Other Investments in Corporate Cus                            35,495,711,838       37,791,175,426       6.5      34,960,637,724      -7.5       32,146,766,076      -8.0      24,807,506,283       -22.8
  All Other Investments2                                             5,466,681,706        5,520,141,248       1.0       5,540,092,900       0.4        5,311,131,655      -4.1       4,401,306,189       -17.1
TOTAL INVESTMENTS                                                  189,779,340,834      203,807,648,760       7.4     206,502,151,577       1.3      210,737,708,922       2.1     218,788,991,540         3.8

     LOANS HELD FOR SALE                                             2,671,055,294        3,075,918,633     15.2         1,531,426,733    -50.2        2,264,461,472     47.9        1,244,764,771       -45.0

LOANS AND LEASES:
   Unsecured Credit Card Loans                                      31,500,801,550       32,472,189,265      3.1       33,437,829,672       3.0       34,864,780,618      4.3       33,870,626,188        -2.9
   All Other Unsecured Loans/Lines of Credit                        24,517,449,106       24,702,717,436      0.8       25,248,766,038       2.2       25,544,703,555      1.2       24,848,638,165        -2.7
   New Vehicle Loans                                                80,184,161,711       79,219,745,249     -1.2       78,926,821,718      -0.4       75,256,517,687     -4.7       70,987,652,138        -5.7
   Used Vehicle Loans                                               95,045,233,766       96,894,476,534      1.9       98,545,377,533       1.7       98,137,622,290     -0.4       97,836,314,737        -0.3
   1st Mortgage Real Estate Loans/Lines of Credit                  210,982,829,694      214,715,981,791      1.8      216,618,082,982       0.9      217,185,968,390      0.3      217,986,899,118         0.4
   Other Real Estate Loans/Lines of Credit                          94,920,408,676       93,441,982,581     -1.6       93,229,132,400      -0.2       92,416,182,019     -0.9       90,796,029,405        -1.8
   Leases Receivable                                                    690,155,798          642,646,755    -6.9           627,045,533     -2.4           601,958,538    -4.0           569,636,825       -5.4
   Total All Other Loans/Lines of Credit                            27,339,341,393       27,954,272,769      2.2       28,863,052,106       3.3       28,499,414,163     -1.3       28,800,521,635         1.1
TOTAL LOANS                                                        565,180,381,694      570,044,012,380      0.9      575,496,107,982       1.0      572,507,147,260     -0.5      565,696,318,211        -1.2
(ALLOWANCE FOR LOAN & LEASE LOSSES)                                 (6,775,275,823)      (7,509,917,931)    10.8       (8,094,301,503)      7.8       (8,809,113,178)     8.8       (8,987,739,074)        2.0
   Foreclosed Real Estate                                               826,254,403          927,245,819    12.2         1,060,635,609     14.4         1,165,040,813     9.8         1,300,512,835       11.6
   Repossessed Autos                                                    307,048,008          279,724,556    -8.9           290,801,409      4.0           299,857,291     3.1           261,868,851      -12.7
   Foreclosed and Repossessed Other Assets                               31,404,301           32,446,347     3.3            33,427,869      3.0            38,499,115    15.2            38,717,626        0.6
TOTAL FORECLOSED and REPOSSESSED ASSETS 1                             1,164,706,712        1,239,416,722     6.4         1,384,864,887     11.7         1,503,397,219     8.6         1,601,099,312        6.5
Land and Building                                                   15,395,639,391       15,643,482,396      1.6       15,892,234,209       1.6       16,147,657,905      1.6       16,245,845,939         0.6
Other Fixed Assets                                                    3,760,364,500        3,716,367,947    -1.2         3,638,071,896     -2.1         3,554,983,946    -2.3         3,515,814,497       -1.1
NCUA Share Insurance Capitalization Deposit                           2,067,497,235        6,118,996,424   196.0         6,155,920,410      0.6         7,036,361,787    14.3         7,046,914,486        0.1

  Identifiable Intangible Assets                                       118,835,332          124,163,548       4.5         114,640,365      -7.7          121,976,494       6.4         127,368,986         4.4
  Goodwill                                                             204,896,094          211,091,016       3.0         254,354,745      20.5          274,917,278       8.1         325,032,718        18.2
TOTAL INTANGIBLE ASSETS                                                323,731,426          335,254,564       3.6         368,995,110      10.1          396,893,772       7.6         452,401,704        14.0
  Accrued Interest on Loans                                          2,091,552,594        2,100,560,886       0.4       2,130,669,418       1.4        2,109,510,827      -1.0       2,070,172,300        -1.9
  Accrued Interest on Investments                                    1,013,045,348        1,038,903,108       2.6         978,963,112      -5.8          974,927,731      -0.4         961,621,647        -1.4
  All Other Assets                                                   9,325,624,252        9,438,578,273       1.2       9,706,565,876       2.8        8,629,375,582     -11.1      10,102,696,121        17.1
TOTAL OTHER ASSETS                                                  12,430,222,194       12,578,042,267       1.2      12,816,198,406       1.9       11,713,814,140      -8.6      13,134,490,068        12.1

TOTAL ASSETS                                                       856,256,538,016      870,155,588,790       1.6     873,953,382,022       0.4      884,652,389,206       1.2     897,622,475,025         1.5
TOTAL CU's                                                                   7,749                7,691      -0.7               7,637      -0.7                7,554      -1.1               7,498        -0.7
1
    OTHER RE OWNED PRIOR TO 2004
2
    LOANS TO, DEPOSITS IN, AND INVESTMENTS IN NATURAL PERSON CUs INCLUDED IN ALL OTHER INVESTMENTS PRIOR TO JUNE 2006 FOR SHORT FORM FILERS



                                                                                                                                                                                                      4. Assets
                                                                                        Liabilities, Shares & Equity
Return to cover                                                                                 For Charter : N/A
06/03/2010                                                                                    Count of CU : 7498
CU Name:      N/A                                                                             Asset Range : N/A
Peer Group:     N/A                                                                                  Criteria : Region: Nation * Peer Group: All * Types Included: All Federally Insured Credit Unions (FICUs) *
                                                                                Count of CU in Peer Group : N/A

                                                                              Mar-2009             Jun-2009    % Chg             Sep-2009    % Chg              Dec-2009    % Chg              Mar-2010    % Chg
LIABILITIES, SHARES AND EQUITY
LIABILITIES:
  Uninsured Secondary Capital                                                32,391,226           47,490,486     46.6           47,900,400       0.9           79,082,300     65.1           88,246,159      11.6
  Other Borrowings                                                                  N/A                  N/A                           N/A                            N/A                           N/A
  Other Notes, Promissory Notes, Interest Payable, &
   Draws Against Lines of Credit                                        40,183,854,257        38,676,910,566     -3.8       38,542,597,789      -0.3       36,554,826,846      -5.2      27,385,303,392     -25.1
  Borrowing Repurchase Transactions                                        750,961,915           790,287,081      5.2          819,610,903       3.7          896,209,030       9.3         951,141,711       6.1
  Subordinated Debt                                                          3,750,737             3,563,825     -5.0            3,157,002     -11.4            2,963,410      -6.1           3,230,445       9.0
  Accrued Dividends and Interest Payable                                   554,238,661           515,995,329     -6.9          480,390,221      -6.9          495,944,914       3.2         398,546,542     -19.6
  Accounts Payable & Other Liabilities                                   8,916,049,968         8,820,156,498     -1.1        8,579,043,309      -2.7        7,271,557,412     -15.2       7,575,127,991       4.2
TOTAL LIABILITIES                                                       50,441,246,764        48,854,403,785     -3.1       48,472,699,624      -0.8       45,300,583,912      -6.5      36,401,596,240     -19.6

SHARES AND DEPOSITS
  Share Drafts                                                          78,497,327,097       78,479,211,803       0.0       77,592,691,927      -1.1      85,227,528,237        9.8      86,333,479,155        1.3
  Regular Shares                                                       192,853,173,057      198,006,463,493       2.7      197,043,874,540      -0.5     199,786,195,809        1.4     213,143,650,260        6.7
  Money Market Shares                                                  138,993,494,055      146,131,088,885       5.1      152,214,895,349       4.2     158,509,177,355        4.1     167,471,829,216        5.7
  Share Certificates                                                   235,188,203,534      231,661,329,399      -1.5      228,724,420,484      -1.3     225,772,589,781       -1.3     221,309,356,159       -2.0
  IRA/KEOGH Accounts                                                    68,842,753,219       71,205,656,652       3.4       72,452,291,302       1.8      73,388,461,547        1.3      74,496,560,074        1.5
  All Other Shares1                                                      7,416,877,791        7,673,401,650       3.5        7,944,728,111       3.5       7,711,611,809       -2.9       8,371,022,610        8.6
  Non-Member Deposits                                                    2,679,922,629        2,373,535,105     -11.4        2,405,868,034       1.4       2,270,158,924       -5.6       2,122,043,728       -6.5
TOTAL SHARES AND DEPOSITS                                              724,471,751,382      735,530,686,987       1.5      738,378,769,747       0.4     752,665,723,462        1.9     773,247,941,202        2.7

EQUITY:
  Undivided Earnings                                                    56,859,803,887        59,165,929,054      4.1       59,465,606,155       0.5       59,580,557,499      0.2       60,111,317,918       0.9
  Regular Reserves                                                      18,738,195,108        18,830,595,922      0.5       18,908,998,595       0.4       18,908,592,606      0.0       18,993,991,188       0.5
  Appropriation For Non-Conforming Investments
  (SCU Only)                                                                 81,570,103           55,434,172    -32.0           58,062,298      4.7            25,282,948     -56.5          22,219,887     -12.1
  Other Reserves                                                          8,361,773,677        8,719,022,319      4.3        8,869,723,402      1.7         8,849,308,353      -0.2       8,986,351,792       1.5
  Equity Acquired in Merger                                                  29,531,742           54,260,314     83.7           84,049,041     54.9           155,904,362      85.5         177,964,815      14.1
  Miscellaneous Equity                                                       11,588,446           11,141,805     -3.9           14,826,342     33.1            15,020,565       1.3          16,354,149       8.9
  Accumulated Unrealized G/L on AFS Securities                              130,653,239           82,722,822    -36.7          893,325,632    979.9           538,253,941     -39.7         747,065,826      38.8
  Accumulated Unrealized Losses for OTTI
    (due to other factors) on HTM Debt Securities                                  N/A                   N/A                   -41,411,249                    -43,025,372     -3.9          -37,622,466      12.6
  Accumulated Unrealized G/L on Cash Flow Hedges                           -26,314,006           -16,091,439     38.8          -26,434,662     -64.3          -26,012,024      1.6          -25,396,090       2.4
  Other Comprehensive Income                                            -1,522,241,152        -1,541,278,859     -1.3       -1,524,065,382       1.1       -1,317,801,046     13.5       -1,249,237,137       5.2
  Net Income                                                            -1,321,021,174           408,761,908    130.9          399,232,479      -2.3                    0   -100.0          229,927,701       N/A
EQUITY TOTAL                                                            81,343,539,870        85,770,498,018      5.4       87,101,912,651       1.6       86,686,081,832     -0.5       87,972,937,583       1.5

TOTAL SHARES & EQUITY                                                  805,815,291,252      821,301,185,005       1.9      825,480,682,398       0.5     839,351,805,294       1.7      861,220,878,785       2.6

TOTAL LIABILITIES, SHARES, & EQUITY                                    856,256,538,016      870,155,588,790       1.6      873,953,382,022       0.4     884,652,389,206       1.2      897,622,475,025       1.5

NCUA INSURED SAVINGS2
   Uninsured Shares                                                     78,401,574,402       23,596,263,009     -69.9       24,565,056,385       4.1      27,213,360,016       10.8      28,142,243,959        3.4
   Uninsured Non-Member Deposits                                           943,252,516          565,087,291     -40.1          600,866,184       6.3         527,672,383      -12.2         516,021,278       -2.2
Total Uninsured Shares & Deposits                                       79,344,826,918       24,161,350,300     -69.5       25,165,922,569       4.2      27,741,032,399       10.2      28,658,265,237        3.3
Insured Shares & Deposits                                              645,126,924,464      711,369,336,687      10.3      713,212,847,178       0.3     724,924,691,063        1.6     744,589,675,965        2.7
TOTAL NET WORTH                                                         82,777,258,989       87,278,771,741       5.4       87,834,884,356       0.6      87,621,513,492       -0.2      88,641,346,774        1.2
# Means the number is too large to display in the cell
1
  PRIOR TO JUNE 2006, INCLUDED MONEY MKT, SHARE CERTS, IRA/KEOGHs, AND NONMEMBER SHARES FOR SHORT FORM FILERS
2
    PRIOR TO 10/03/08 SHARES INSURED UP TO $100,000; 10/03/08 to 05/20/09 SHARES INSURED UP TO $100,000 and $250,000 FOR IRAS; 5/20/09 AND FORWARD SHARES INSURED UP TO $250,000
                                                                                                                                                                                                   5. LiabShEquity
                                                                                                     Income Statement
Return to cover                                                                                         For Charter : N/A
06/03/2010                                                                                             Count of CU : 7498
CU Name:      N/A                                                                                     Asset Range : N/A
Peer Group:     N/A                                                                                         Criteria : Region: Nation * Peer Group: All * Types Included: All Federally Insured Credit Unions (FICUs) *
                                                                                        Count of CU in Peer Group : N/A

                                                                                     Mar-2009              Jun-2009    % Chg             Sep-2009     % Chg             Dec-2009    % Chg             Mar-2010      % Chg
* INCOME AND EXPENSE
INTEREST INCOME:
   Interest on Loans                                                            8,981,625,113        17,879,881,735      -0.5       26,856,655,242      0.1       35,790,020,391     -0.1         8,722,102,802        -2.5
   Less Interest Refund                                                            (2,581,017)           (5,414,229)      4.9           (8,153,509)     0.4          (42,651,996)   292.3            (2,541,688)      -76.2
   Income from Investments                                                      1,616,593,157         3,226,454,508      -0.2        4,782,459,010     -1.2        6,251,356,839     -2.0         1,454,231,381        -6.9
   Income from Trading                                                               1,839,856             4,584,929     24.6           11,854,262     72.4            13,857,404   -12.3              3,053,376      -11.9
TOTAL INTEREST INCOME                                                          10,597,477,109        21,105,506,943      -0.4       31,642,815,005      0.0       42,012,582,638     -0.4        10,176,845,871        -3.1
INTEREST EXPENSE:
   Dividends                                                                    3,263,332,864         6,279,761,132      -3.8        9,063,914,792      -3.8      11,723,425,250      -3.0        2,353,394,128       -19.7
   Interest on Deposits                                                           505,720,815           961,001,889      -5.0        1,400,227,809      -2.9       1,790,889,437      -4.1          345,911,267       -22.7
   Interest on Borrowed Money                                                     331,308,987           650,979,915      -1.8          966,203,524      -1.1       1,275,116,771      -1.0          268,919,672       -15.6
TOTAL INTEREST EXPENSE                                                          4,100,362,666         7,891,742,936      -3.8       11,430,346,125      -3.4      14,789,431,458      -3.0        2,968,225,067       -19.7
PROVISION FOR LOAN & LEASE LOSSES                                               2,102,663,053         4,577,397,445       8.8        6,894,287,266       0.4       9,508,354,938       3.4        1,850,028,197       -22.2
NET INTEREST INCOME AFTER PLL                                                   4,394,451,390         8,636,366,562      -1.7       13,318,181,614       2.8      17,714,796,242      -0.2        5,358,592,607        21.0
NON-INTEREST INCOME:
   Fee Income                                                                   1,625,050,924         3,376,961,516     3.9          5,205,769,215       2.8       7,038,714,602       1.4        1,647,617,444        -6.4
   Other Operating Income                                                       1,010,033,782         2,615,504,559    29.5          3,418,298,322     -12.9       4,455,727,227      -2.2        1,059,782,127        -4.9
   Gain (Loss) on Investments                                                    -255,318,698          -354,225,924    30.6           -565,464,968      -6.4      -1,062,504,571     -40.9          -36,537,163        86.2
   Gain (Loss) on Disposition of Assets                                            -5,826,821           -16,616,853   -42.6            -17,569,730      29.5         -63,282,707    -170.1           -2,379,202        85.0
   Gain from Bargain Purchase (Merger)                                                 95,823             9,950,443 5,092.1             12,242,645     -18.0          20,551,095      25.9           12,981,192       152.7
   Other Non-Oper Income/(Expense)                                                -50,711,685         2,782,562,518 2,843.5            272,154,870     -93.5         130,260,066     -64.1           -7,660,929      -123.5
   NCUSIF Stabilization Income                                                            N/A                   N/A                  3,168,868,889                 3,378,264,385     -20.0               80,530      -100.0
TOTAL NON-INTEREST INCOME                                                       2,323,323,325         8,414,136,259    81.1         11,494,299,243      -8.9      13,897,730,097      -9.3        2,673,883,999       -23.0
NON-INTEREST EXPENSE
   Total Employee Compensation & Benefits                                       3,404,972,266         6,802,096,073      -0.1       10,190,903,318     -0.1       13,675,512,787       0.6        3,454,823,476         1.1
   Travel, Conference Expense                                                      61,800,775           125,027,334       1.2          186,384,849     -0.6          244,048,537      -1.8           57,693,523        -5.4
   Office Occupancy                                                               524,618,463         1,034,612,425      -1.4        1,551,067,974     -0.1        2,076,844,943       0.4          536,179,086         3.3
   Office Operation Expense                                                     1,312,970,511         2,634,862,949       0.3        3,953,374,191      0.0        5,297,126,133       0.5        1,322,629,850        -0.1
   Educational and Promotion                                                      216,560,575           450,343,025       4.0          671,499,258     -0.6          910,447,734       1.7          212,967,136        -6.4
   Loan Servicing Expense                                                         415,029,679           859,218,844       3.5        1,303,093,803      1.1        1,734,669,346      -0.2          425,880,176        -1.8
   Professional, Outside Service                                                  505,089,324         1,017,251,756       0.7        1,530,875,835      0.3        2,059,509,614       0.9          508,499,102        -1.2
   Member Insurance                                                                55,373,813            42,095,820     -62.0           80,544,710     27.6           93,312,040     -13.1          144,929,497       521.3
   Operating Fees                                                                  36,220,429            79,023,779       9.1          116,767,770     -1.5          155,066,356      -0.4           45,644,084        17.7
   Misc Operating Expense                                                         194,321,857           335,934,168     -13.6          554,296,963     10.0          753,426,420       1.9          207,633,096        10.2
TOTAL NON-INTEREST EXPENSE                                                      6,726,957,692        13,380,466,173      -0.5       20,138,808,671      0.3       26,999,963,910       0.6        6,916,879,026         2.5
NET INCOME (LOSS) BEFORE NCUSIF STABILIZATION
   EXPENSE                                                                          -9,182,977        3,670,036,648 ######           4,673,672,186     -15.1       4,612,562,429     -26.0        1,115,597,580        -3.3
NCUSIF Stabilization Expense                                                     3,387,134,121        2,514,902,993   -62.9          2,913,886,599     -22.8       3,058,226,011     -21.3           54,956,869       -92.8
NET INCOME (Loss)                                                               -3,396,317,098        1,155,133,655   117.0          1,759,785,587       1.6       1,554,336,418     -33.8        1,060,640,711       173.0
RESERVE TRANSFERS:
  Transfer to Regular Reserve                                                       65,790,336          164,132,903      24.7          250,431,348      1.7          425,646,083      27.5          104,050,611        -2.2
* All Income/Expense amounts are year-to-date while the related % change ratios are annualized.
# Means the number is too large to display in the cell


                                                                                                                                                                                                                   6. IncExp
                                                                               Delinquent Loan Information
Return to cover                                                                        For Charter : N/A
06/03/2010                                                                            Count of CU : 7498
CU Name:      N/A                                                                    Asset Range : N/A
Peer Group:     N/A                                                                        Criteria : Region: Nation * Peer Group: All * Types Included: All Federally Insured Credit Unions (FICUs) *
                                                                        Count of CU in Peer Group : N/A

                                                                      Mar-2009            Jun-2009 % Chg                Sep-2009 % Chg                 Dec-2009 % Chg                 Mar-2010 % Chg
 DELINQUENCY SUMMARY - ALL LOAN TYPES
  1 to < 2 Months Delinquent                                      7,432,082,000       7,460,619,284      0.4        8,237,990,797     10.4        9,275,004,581     12.6         8,197,521,144      -11.6
  2 to < 6 Months Delinquent                                      5,651,555,336       6,206,620,280      9.8        6,439,798,615      3.8        7,014,201,322      8.9         6,146,354,666      -12.4
  6 to 12 Months Delinquent                                       2,002,511,108       2,209,076,388     10.3        2,382,940,433      7.9        2,444,079,136      2.6         2,520,286,383        3.1
  12 Months & Over Delinquent                                       591,752,190         677,008,619     14.4          899,420,477     32.9        1,036,708,554     15.3         1,276,082,975       23.1
  Total Del Loans - All Types (2 or more Mo)                      8,245,818,634       9,092,705,287     10.3        9,722,159,525      6.9       10,494,989,012      7.9         9,942,724,024       -5.3
 LOAN DELINQUENCY - BY LOAN TYPE
Unsecured Credit Card Loans
  1 to < 2 Months Delinquent                                       485,224,492          522,482,830       7.7         585,414,141     12.0          590,023,800       0.8          480,857,270      -18.5
  2 to < 6 Months Delinquent                                       523,194,413          527,393,435       0.8         560,936,632      6.4          603,266,104       7.5          527,372,686      -12.6
  6 to 12 Months Delinquent                                         95,461,759          103,042,771       7.9         106,119,961      3.0          102,870,667      -3.1          103,851,708        1.0
  12 Months & Over Delinquent                                        9,313,083            9,779,853       5.0          12,095,157     23.7           11,139,053      -7.9           12,651,199       13.6
  Total Del Credit Card Lns (2 or more Mo)                         627,969,255          640,216,059       2.0         679,151,750      6.1          717,275,824       5.6          643,875,593      -10.2
Credit Cards DQ > 2 Mo / Total Credit Card Loans                          1.99                 1.97      -1.1                2.03      3.0                 2.06       1.3                 1.90       -7.6
1st Mortgage Fixed Rate and Hybrid/Balloon > 5 years
 1 to < 2 Months Delinquent                                       1,366,374,913       1,258,633,682     -7.9        1,473,703,864     17.1        1,874,659,995     27.2         1,855,609,412       -1.0
 2 to < 6 Months Delinquent                                       1,080,655,936       1,227,772,634     13.6        1,322,289,846      7.7        1,485,029,659     12.3         1,460,621,424       -1.6
 6 to 12 Months Delinquent                                          441,870,116         572,094,307     29.5          688,280,430     20.3          729,656,735      6.0           754,148,704        3.4
 12 Months & Over Delinquent                                        147,569,095         179,903,968     21.9          248,722,404     38.3          327,323,741     31.6           433,928,502       32.6
 Total Del 1st Mtg Fixed and Hybrid/Balloon Lns > 5yrs
  (2 or more Mo)                                                  1,670,095,147       1,979,770,909     18.5        2,259,292,680     14.1        2,542,010,135     12.5         2,648,698,630        4.2
%1st Mortgage Fixed and Hybrid/Balloon (> 5 yrs)
  Delinquent > 2 Mo / Total 1st Mtg Fixed and
  Hybrid/Balloons > 5 yrs                                                  0.93                1.08     16.4                  1.22    13.2                  1.37    12.2                    1.43      3.9
1st Mortgage Adjustable Rate Loans and
  Hybrid/Ballons < 5 Years
 1 to < 2 Months Delinquent                                         963,632,466         957,490,073     -0.6        1,062,031,000     10.9        1,235,914,675     16.4         1,217,953,943       -1.5
 2 to < 6 Months Delinquent                                         799,654,082         998,308,236     24.8        1,009,761,763      1.1        1,143,741,904     13.3         1,100,247,930       -3.8
 6 to 12 Months Delinquent                                          480,502,039         542,160,963     12.8          582,562,577      7.5          614,747,261      5.5           626,865,656        2.0
 12 Months & Over Delinquent                                        183,223,803         212,691,848     16.1          321,169,173     51.0          360,358,700     12.2           438,542,922       21.7
 Total Del 1st Mtg Adj Rate Lns (2 or more Mo)                    1,463,379,924       1,753,161,047     19.8        1,913,493,513      9.1        2,118,847,865     10.7         2,165,656,508        2.2
%1st Mortgage Adjustable Rate Loans and Hybrid/Balloons
  (< 5 years) Delinquent > 2 Mo / Total 1st Mortgage Adjustable
  Rate Loans and Hybrids/Balloons < 5 yrs                                  2.18                2.62     20.1                  2.84     8.6                  3.15    11.0                    3.21      1.8
Other Real Estate Fixed Rate/Hybrid/Balloon
 1 to < 2 Months Delinquent                                        463,470,383          458,769,812     -1.0          547,038,112     19.2          575,290,245      5.2           527,629,366       -8.3
 2 to < 6 Months Delinquent                                        434,338,132          500,999,368     15.3          552,159,321     10.2          574,835,135      4.1           487,911,205      -15.1
 6 to 12 Months Delinquent                                         153,604,543          183,448,221     19.4          205,504,714     12.0          210,959,667      2.7           225,706,130        7.0
 12 Months & Over Delinquent                                        44,258,481           58,504,608     32.2           71,847,054     22.8           80,198,860     11.6           103,261,941       28.8
Total Del Other RE Fixed/Hybrid/Balloon Lns (2 or more Mo)         632,201,156          742,952,197     17.5          829,511,089     11.7          865,993,662      4.4           816,879,276       -5.7
%Other Real Estate Fixed/Hybrid/Balloon Loans
  Delinquent > 2 Mo / Total Other RE
  Fixed/Hybrid/Balloon Loans                                               1.23                1.51     22.3                  1.72    13.8                  1.84      7.2                   1.80      -2.3
Other Real Estate Adjustable Rate
 1 to < 2 Months Delinquent                                        365,310,807          323,164,606    -11.5          394,756,955     22.2          423,990,903      7.4           384,011,492       -9.4
 2 to < 6 Months Delinquent                                        348,474,716          378,436,609      8.6          352,825,978     -6.8          388,768,691     10.2           359,345,607       -7.6
 6 to 12 Months Delinquent                                         138,307,105          167,026,439     20.8          164,233,218     -1.7          149,842,193     -8.8           146,872,709       -2.0
 12 Months & Over Delinquent                                        43,794,942           50,365,594     15.0           74,997,340     48.9           83,755,350     11.7            94,725,060       13.1
 Total Del Other RE Adj Rate Lns                                   530,576,763          595,828,642     12.3          592,056,536     -0.6          622,366,234      5.1           600,943,376       -3.4
%Other Real Estate Adjustable Rate Loans Delinquent > 2 Mo
  / Total Other RE Adjustable Rate Loans                                   1.22                1.35     10.9                  1.32     -2.2                 1.37      4.1                   1.33      -3.5
Leases Receivable
 1 to < 2 Months Delinquent                                         16,909,051            9,087,393    -46.3           10,219,376      12.5            9,926,711     -2.9             8,132,696   -18.1
 2 to < 6 Months Delinquent                                          5,842,862            5,973,221      2.2            4,351,683     -27.1            4,939,653     13.5             3,161,056   -36.0
 6 to 12 Months Delinquent                                             538,775              289,134    -46.3              562,647      94.6              253,166    -55.0               618,578   144.3
 12 Months & Over Delinquent                                            27,026                8,726    -67.7               17,383      99.2                  135    -99.2                 1,893 1,302.2
 Total Del Leases Receivable (2 or more Mo)                          6,408,663            6,271,081     -2.1            4,931,713     -21.4            5,192,954      5.3             3,781,527   -27.2
%Leases Receivable Delinquent > 2 Mo
  / Total Leases Receivable                                                0.93                0.98      5.1                  0.79    -19.4                 0.86      9.7                   0.66    -23.0
All Other Loans
  1 to < 2 Months Delinquent                                      3,771,159,888       3,930,990,888       4.2       4,164,827,349       5.9       4,565,211,772       9.6        3,723,326,965      -18.4
  2 to < 6 Months Delinquent                                      2,459,395,195       2,567,736,777       4.4       2,637,473,392       2.7       2,813,635,567       6.7        2,207,694,758      -21.5
  6 to 12 Months Delinquent                                         692,226,771         641,014,553      -7.4         635,676,886      -0.8         635,751,438       0.0          662,222,898        4.2
  12 Months & Over Delinquent                                       163,565,760         165,754,022       1.3         170,571,966       2.9         173,932,715       2.0          192,971,458       10.9
  Total Del All Other Lns (2 or more Mo)                          3,315,187,726       3,374,505,352       1.8       3,443,722,244       2.1       3,623,302,338       5.2        3,062,889,114      -15.5
%All Other Loans Delinquent > 2 Mo / Total All Other Loans                 1.46                1.48       1.0                1.49       0.8                1.59       7.1                 1.38      -13.6
# Means the number is too large to display in the cell


                                                                                                                                                                            7. Delinquent Loan Information
                                                                             Loan Losses & Bankruptcy Information, and Loan Modifications
Return to cover                                                                                     For Charter : N/A
06/03/2010                                                                                         Count of CU : 7498
CU Name:      N/A                                                                                 Asset Range : N/A
Peer Group:     N/A                                                                                     Criteria : Region: Nation * Peer Group: All * Types Included: All Federally Insured Credit Unions (FICUs) *
                                                                                     Count of CU in Peer Group : N/A

                                                                                    Mar-2009             Jun-2009    % Chg             Sep-2009    % Chg                Dec-2009    % Chg               Mar-2010    % Chg

LOAN LOSS SUMMARY (TOTAL FOR ALL LOAN TYPES)
 * Total Loans Charged Off                                                      1,727,158,137        3,612,231,915      4.6        5,538,900,834      2.2           7,622,305,110       3.2        1,903,924,676      -0.1
 * Total Loans Recovered                                                          166,658,653          344,830,682      3.5          537,830,059      4.0             722,830,442       0.8          215,389,606      19.2
* NET CHARGE OFFS ($$)                                                          1,560,499,484        3,267,401,233      4.7        5,001,070,775      2.0           6,899,474,668       3.5        1,688,535,070      -2.1
**%Net Charge-Offs / Average Loans                                                       1.10                 1.15      4.2                 1.17      1.6                    1.21       3.7                 1.19      -2.1

Total Del Loans & *Net Charge-Offs                                              9,806,318,118      12,360,106,520     26.0        14,723,230,300     19.1         17,394,463,680       18.1       11,631,259,094      -33.1
Combined Delinquency and Net Charge Off Ratio                                            2.56                2.75      7.1                  2.86      4.1                   3.05        6.6                 2.94       -3.3

LOAN LOSS SUMMARY BY LOAN TYPE
* Unsecured Credit Card Lns Charged Off                                           340,485,884          724,857,294     6.4         1,109,108,313      2.0           1,528,135,214       3.3          413,757,908        8.3
* Unsecured Credit Card Lns Recovered                                              18,529,716           37,686,948     1.7            57,042,422      0.9              76,597,040       0.7           22,975,280       20.0
* NET UNSECURED CREDIT CARD C/Os                                                  321,956,168          687,170,346     6.7         1,052,065,891      2.1           1,451,538,174       3.5          390,782,628        7.7
**Net Charge Offs - Credit Cards / Avg Credit Card Loans                                 4.01                 4.22     5.1                  4.24      0.6                    4.30       1.3                 4.55        5.9
* All Other Loans Charged Off                                                   1,048,358,621        2,140,666,598     2.1         3,204,245,701     -0.2           4,332,498,061       1.4          998,718,222       -7.8
* All Other Loans Recovered                                                       138,064,804          284,777,224     3.1           445,304,662      4.2             595,187,811       0.2          176,366,721       18.5
* NET ALL OTHER LOAN C/Os                                                         910,293,817        1,855,889,374     1.9         2,758,941,039     -0.9           3,737,310,250       1.6          822,351,501      -12.0
** Net Charge Offs - All Other Loans / Avg All Other Loans                               1.60                 1.63     1.6                  1.60     -1.5                    1.64       2.5                 1.46      -10.9
* Total 1st Mortgage RE Loan/LOCs Charged Off                                     113,247,436          235,806,124     4.1           391,356,710     10.6             586,878,865      12.5          184,294,298       25.6
* Total 1st Mortgage RE Loans/LOCs Recovered                                        3,092,483            8,738,908    41.3            14,147,070      7.9              21,052,747      11.6            6,897,673       31.1
* NET 1st MORTGAGE RE LOANS/LOCs C/Os                                             110,154,953          227,067,216     3.1           377,209,640     10.7             565,826,118      12.5          177,396,625       25.4
** Net Charge Offs - 1st Mortgage RE Loans/LOCs
   / Avg 1st Mortgage RE Loans/LOCs                                                     0.21                 0.21      2.2                  0.24     10.3                    0.27      12.4                 0.33      22.5
* Total Other RE Loans/LOCs Charged Off                                          220,285,747          499,995,908     13.5           818,586,844      9.1           1,156,136,870       5.9          303,178,174       4.9
* Total Other RE Loans/LOCs Recovered                                              6,238,595           12,048,937     -3.4            19,019,632      5.2              27,374,360       7.9            8,738,956      27.7
* NET OTHER RE LOANS/LOCs C/Os                                                   214,047,152          487,946,971     14.0           799,567,212      9.2           1,128,762,510       5.9          294,439,218       4.3
**Net Charge Offs - Other RE Loans/LOCs / Avg Other RE
Loans/LOCs                                                                              0.89                 1.03     14.9                  1.12      9.4                    1.19       6.3                 1.29       7.6
* Total Real Estate Loans Charged Off                                            333,533,183          735,802,032     10.3         1,209,943,554      9.6           1,743,015,735       8.0          487,472,472      11.9
* Total Real Estate Lns Recovered                                                  9,331,078           20,787,845     11.4            33,166,702      6.4              48,427,107       9.5           15,636,629      29.2
* NET Total Real Estate Loan C/Os                                                324,202,105          715,014,187     10.3         1,176,776,852      9.7           1,694,588,628       8.0          471,835,843      11.4
** Net Charge Offs - Total RE Loans / Avg Total RE Loans                                0.42                 0.47      9.9                  0.51      9.4                    0.55       8.0                 0.61      10.6
*Total Modified 1st & Other Real Estate Lns Charged Off                           12,917,981           35,783,858     38.5            62,316,727     16.1             102,868,458      23.8           45,385,198      76.5
*Total Modified 1st and Other Real Estate Lns Recovered                              152,775            1,004,983    228.9             1,056,062    -29.9               2,012,544      42.9              535,396       6.4
*NET Modified Real Estate C/Os                                                    12,765,206           34,778,875     36.2            61,260,665     17.4             100,855,914      23.5           44,849,802      77.9
** Net Charge Offs - Total Modified RE Loans
   / Avg Total Modified RE Loans                                                          N/A                 N/A                            N/A                         #NAME? ######                   #NAME? ######
* Total Leases Receivable Charged Off                                               4,780,449          10,905,991     14.1            15,603,266     -4.6              18,656,100 -10.3                 3,976,074 -14.8
* Total Leases Receivable Recovered                                                   733,055           1,578,665      7.7             2,316,273     -2.2               2,618,484 -15.2                   410,976 -37.2
* NET LEASES RECEIVABLE C/Os                                                        4,047,394           9,327,326     15.2            13,286,993     -5.0              16,037,616  -9.5                 3,565,098 -11.1
**Net Charge Offs - Leases Receivable / Avg Leases Receivable                            2.26                2.69     19.2                  2.59     -4.0                    2.38  -7.8                      2.43   2.1
BANKRUPTCY SUMMARY
 Number of Members Who Filed Chapter 7 YTD                                             56,442             115,795    105.2               174,724     50.9                 230,261      31.8                68,306     -70.3
 Number of Members Who Filed Chapter 13 YTD                                            25,553              46,294     81.2                70,986     53.3                  92,481      30.3                31,507     -65.9
 Number of Members Who Filed Chapter 11 YTD                                               392                 423      7.9                   668     57.9                     981      46.9                   386     -60.7
Total Number of Members Bankrupt                                                       82,387             162,512     97.3               246,378     51.6                 323,723      31.4               100,199     -69.0

Total Loans Outstanding Subject to Bankruptcy (Ch 7,13,11)                      1,237,448,743        2,395,879,496    93.6         3,508,767,635     46.5           4,620,126,581      31.7        1,612,855,227      -65.1
* All Loans Charged Off due to Bankruptcy YTD                                     315,521,573          713,703,352    13.1         1,108,902,137      3.6           1,583,746,403       7.1          408,818,577        3.3
%Charge Offs Due To Bankruptcy (YTD) / Total Charge Offs (YTD)                          18.27                19.76     8.2                 20.02      1.3                   20.78       3.8                21.47        3.3
LOAN MODIFICATIONS OUTSTANDING
 Modified First Mortgate RE Loans                                               1,982,898,591        3,110,382,463    56.9         4,258,427,319     36.9           5,186,641,214      21.8        5,824,736,563      12.3
 Modified Other RE Loans                                                          367,483,111          547,459,348    49.0           733,963,833     34.1             883,718,062      20.4          953,000,163       7.8
Total Modified First and Other RE Loans                                         2,350,381,702        3,657,841,811    55.6         4,992,391,152     36.5           6,070,359,276      21.6        6,777,736,726      11.7
Modified RE Loans Also Reported as Business Loans                                 454,993,665          757,899,211    66.6           920,927,561     21.5           1,195,463,254      29.8        1,284,037,120       7.4
 Modified Consumer Loans (Not Secured by RE)                                              N/A                  N/A                           N/A                              N/A                  1,644,130,736
 Modified Business Loans (Not Secured by RE)                                              N/A                  N/A                           N/A                              N/A                     43,232,714
TOTAL Modified First RE, Other RE, Consumer,
  and Business Loans                                                                      N/A                 N/A                            N/A                              N/A                  8,465,100,176
Total Modified Loans to Total Loans                                                       N/A                 N/A                            N/A                              N/A                           1.50
Total Modified Loans to Net Worth                                                         N/A                 N/A                            N/A                              N/A                           9.55
# Means the number is too large to display in the cell
*Amounts are year-to-date while the related %change ratios are annualized.
** Annualization factor: March = 4; June = 2; September =4/3; December = 1 (or no annualizing)


                                                                                                                                                            8. Loan Losses & Bankruptcy Information, and Loan Modifications
                                                                                            Indirect and Participation Lending
Return to cover                                                                                        For Charter : N/A
06/03/2010                                                                                            Count of CU : 7498
CU Name:      N/A                                                                                    Asset Range : N/A
Peer Group:     N/A                                                                                        Criteria : Region: Nation * Peer Group: All * Types Included: All Federally Insured Credit Unions (FICUs) *
                                                                                        Count of CU in Peer Group : N/A

                                                                                     Mar-2009             Jun-2009    % Chg              Sep-2009    % Chg             Dec-2009    % Chg              Mar-2010    % Chg
INDIRECT LOANS OUTSTANDING
  Indirect Loans - Point of Sale Arrangement                                   49,230,595,153        50,802,629,859       3.2      54,852,990,798       8.0       52,192,875,974      -4.8      51,058,143,500      -2.2
  Indirect Loans - Outsourced Lending Relationship                             26,296,553,024        25,798,367,295      -1.9      22,882,656,367     -11.3       23,621,588,661       3.2      22,775,786,576      -3.6
Total Outstanding Indirect Loans                                               75,527,148,177        76,600,997,154       1.4      77,735,647,165       1.5       75,814,464,635      -2.5      73,833,930,076      -2.6
%Indirect Loans Outstanding / Total Loans                                               13.36                 13.44       0.6               13.51       0.5                13.24      -2.0               13.05      -1.4
DELINQUENCY - INDIRECT LENDING
    1 to < 2 Months Delinquent                                                  1,401,802,883         1,489,600,155       6.3       1,574,221,724       5.7        1,671,410,796      6.2        1,237,827,794     -25.9
    2 to < 6 Months Delinquent                                                    819,420,882           848,872,758       3.6         871,047,838       2.6          905,437,332      3.9          643,064,410     -29.0
    6 to 12 Months Delinquent                                                     193,565,719           181,974,259      -6.0         178,581,755      -1.9          181,360,533      1.6          180,168,552      -0.7
    12 Months & Over Delinquent                                                    25,069,083            25,202,202       0.5          29,404,471      16.7           29,806,433      1.4           37,373,297      25.4
    Total Del Indirect Lns (2 or more Mo)                                       1,038,055,684         1,056,049,219       1.7       1,079,034,064       2.2        1,116,604,298      3.5          860,606,259     -22.9
%Indirect Loans Delinquent > 2 Mo / Total Indirect Loans                                 1.37                  1.38       0.3                1.39       0.7                 1.47      6.1                 1.17     -20.9
LOAN LOSSES - INDIRECT LENDING
 * Indirect Loans Charged Off                                                     375,287,405           765,681,483      2.0        1,127,634,808      -1.8        1,489,137,638      -1.0         329,239,142     -11.6
 * Indirect Loans Recovered                                                        39,689,948            84,008,346      5.8          140,222,565      11.3          197,397,549       5.6          61,644,198      24.9
 * NET INDIRECT LOAN C/Os                                                         335,597,457           681,673,137      1.6          987,412,243      -3.4        1,291,740,089      -1.9         267,594,944     -17.1
**%Net Charge Offs - Indirect Loans / Avg Indirect Loans                                 1.79                  1.81      0.8                 1.73      -4.2                 1.72      -0.6                1.43     -16.8
PARTICIPATION LOANS OUTSTANDING (Bal of Purchased
  + CU Portion of Part. Lns Interests Retained):
  Consumer                                                                      1,463,007,210         1,283,860,788     -12.2       1,348,638,310       5.0        1,172,916,334    -13.0        1,136,697,536      -3.1
  Real Estate                                                                   3,265,416,716         3,150,471,645      -3.5       2,906,035,035      -7.8        3,031,934,847      4.3        3,012,568,184      -0.6
  Member Business Loans (excluding C&D)                                         2,806,392,362         2,870,256,278       2.3       3,025,144,671       5.4        3,141,106,296      3.8        3,129,118,783      -0.4
  Non-Member Business Loans (excluding C&D)                                     3,154,794,118         3,420,491,966       8.4       3,600,428,981       5.3        3,801,679,092      5.6        3,949,661,753       3.9
  Commercial Construction & Development                                           596,097,363           617,758,926       3.6         516,488,125     -16.4          495,834,634     -4.0          473,054,754      -4.6
  Loan Pools                                                                      371,955,348           624,494,704      67.9         641,044,415       2.7          754,709,453     17.7          719,576,178      -4.7
TOTAL PARTICIPATION LOANS (BALANCE OUTSTANDING)                                11,657,663,117        11,967,334,307       2.7      12,037,779,537       0.6       12,398,180,656      3.0       12,420,677,188       0.2
%Participation Loans Outstanding / Total Loans                                           2.06                  2.10       1.8                2.09      -0.4                 2.17      3.5                 2.20       1.4
 * Participation Loans Purchased YTD                                              598,908,839         1,224,214,597       2.2       1,904,744,802       3.7        2,560,580,026      0.8          518,675,895     -19.0
%Participation Loans Purchased YTD
    / Total Loans Granted YTD                                                              0.90                0.86      -4.5                 0.91      6.4                 0.96      5.2                  1.01      5.4
PARTICIPATION LOANS SOLD:
Participation Loan Interests Sold AND/OR Serviced
   (Participants' Balance Outstanding )                                         6,737,008,595         6,948,783,720      3.1        6,817,692,533      -1.9        6,949,596,065       1.9       6,912,725,408      -0.5
Participation Loan Interests - Amount Retained (Outstanding)                    2,347,193,288         2,406,167,918      2.5        2,348,918,545      -2.4        2,405,788,143       2.4       2,418,044,887       0.5
 * Participation Loans Sold YTD                                                   454,317,758         1,127,808,218     24.1        1,558,679,616      -7.9        2,101,118,633       1.1         386,697,446     -26.4
** %Participation Loans Sold YTD / Total Assets                                          0.21                  0.26     22.1                 0.24      -8.3                 0.24      -0.1                0.17     -27.4
WHOLE LOANS PURCHASED AND SOLD:
*Loans Purchased in Full from Other Financial Institutions YTD                    124,727,743           239,115,409      -4.1         468,530,723      30.6          736,316,645     17.9          246,019,056      33.6
%Loans Purchased From Other Financial Institutions YTD
   / Loans Granted YTD                                                                   0.19                  0.17    -10.4                 0.22      34.0                 0.28     23.0                 0.48      73.9
*Loans, Excluding RE, Sold in Full YTD                                             56,658,112           247,753,921    118.6          478,605,521      28.8          506,349,281    -20.7          165,698,340      30.9
DELINQUENCY - PARTICIPATION LENDING
    1 to < 2 Months Delinquent                                                    175,130,252           138,568,943     -20.9         171,815,815      24.0          232,547,740     35.3          255,520,304       9.9
    2 to < 6 Months Delinquent                                                    191,598,145           212,681,813      11.0         188,342,331     -11.4          170,197,241     -9.6          284,527,513      67.2
    6 to 12 Months Delinquent                                                     141,666,911           173,851,519      22.7         137,200,594     -21.1          120,327,282    -12.3           92,462,049     -23.2
    12 Months & Over Delinquent                                                    60,443,074            81,065,967      34.1         127,000,928      56.7          144,788,557     14.0          171,974,782      18.8
    Total Del Participation Lns (2 or more Mo)                                    393,708,130           467,599,299      18.8         452,543,853      -3.2          435,313,080     -3.8          548,964,344      26.1
%Participation Loans Delinquent > 2 Mo
   / Total Participation Loans                                                             3.38                3.91     15.7                  3.76     -3.8                 3.51      -6.6                 4.42     25.9
LOAN LOSSES - PARTICIPATION LENDING
 * Participation Loans Charged Off                                                 26,695,158            54,241,551      1.6           88,819,945       9.2          136,503,678     15.3           33,065,228      -3.1
 * Participation Loans Recovered                                                    1,934,806             6,576,527     70.0            7,563,973     -23.3            9,420,819     -6.6            2,224,417      -5.6
 * NET PARTICIPATION LOAN C/Os                                                     24,760,352            47,665,024     -3.7           81,255,972      13.6          127,082,859     17.3           30,840,811      -2.9
**%Net Charge Offs - Participation Loans
     / Avg Participation Loans                                                        #NAME?               #NAME? ######                  #NAME? ######                 #NAME? ######                  #NAME? ######
*Amounts are year-to-date while the related %change ratios are annualized.
** Annualization factor: March = 4; June = 2; September =4/3; December = 1 (or no annualizing)
# Means the number is too large to display in the cell
                                                                                                                                                                                         9. IndirectAndParticipationLns
                                                                                            Real Estate Loan Information 1
Return to cover                                                                                      For Charter : N/A
06/03/2010                                                                                          Count of CU : 7498
CU Name:      N/A                                                                                  Asset Range : N/A
Peer Group:     N/A                                                                                      Criteria : Region: Nation * Peer Group: All * Types Included: All Federally Insured Credit Unions (FICUs) *
                                                                                      Count of CU in Peer Group : N/A

                                                                                    Mar-2009            Jun-2009    % Chg              Sep-2009    % Chg             Dec-2009    % Chg              Mar-2010    % Chg
REAL ESTATE LOANS OUTSTANDING:
First Mortgages
  Fixed Rate > 15 years                                                        78,795,712,661      80,480,097,263       2.1      81,237,200,301       0.9       81,555,925,860       0.4      81,877,792,090       0.4
  Fixed Rate 15 years or less                                                  45,714,176,258      47,839,183,527       4.6      48,207,815,522       0.8       48,529,943,471       0.7      48,787,245,428       0.5
  Other Fixed Rate                                                              1,449,416,673       1,392,911,055      -3.9       1,448,949,126       4.0        1,472,598,683       1.6       1,508,848,891       2.5
Total Fixed Rate First Mortgages                                              125,959,305,592     129,712,191,845       3.0     130,893,964,949       0.9      131,558,468,014       0.5     132,173,886,409       0.5
  Balloon/Hybrid > 5 years                                                     17,849,623,706      17,972,755,741       0.7      18,377,830,092       2.3       18,442,342,029       0.4      18,364,201,322      -0.4
  Balloon/Hybrid 5 years or less                                               35,868,686,506      35,283,836,834      -1.6      35,229,272,891      -0.2       34,991,717,607      -0.7      34,993,362,131       0.0
Total Balloon/Hybrid First Mortgages                                           53,718,310,212      53,256,592,575      -0.9      53,607,102,983       0.7       53,434,059,636      -0.3      53,357,563,453      -0.1
  Adjustable Rate First Mtgs 1 year or less                                     6,603,501,355       6,564,975,987      -0.6       6,729,212,710       2.5        6,916,415,537       2.8       6,733,903,796      -2.6
  Adjustable Rate First Mtgs >1 year                                           24,701,712,535      25,182,221,384       1.9      25,387,802,340       0.8       25,277,025,203      -0.4      25,721,545,460       1.8
Total Adjustable First Mortgages                                               31,305,213,890      31,747,197,371       1.4      32,117,015,050       1.2       32,193,440,740       0.2      32,455,449,256       0.8
TOTAL FIRST MORTGAGE RE LOANS OUTSTANDING                                     210,982,829,694     214,715,981,791       1.8     216,618,082,982       0.9      217,185,968,390       0.3     217,986,899,118       0.4
Other Real Estate Loans
 Closed End Fixed Rate                                                         49,508,658,124      47,466,712,186      -4.1      46,435,987,721      -2.2       45,129,430,339      -2.8      43,531,365,338      -3.5
 Closed End Adjustable Rate                                                     2,221,770,045       2,140,514,356      -3.7       2,233,307,393       4.3        2,424,632,106       8.6       2,481,175,083       2.3
 Open End Adjustable Rate (HELOC)                                              41,412,065,061      42,029,447,254       1.5      42,657,689,280       1.5       42,922,687,469       0.6      42,872,739,684      -0.1
 Open End Fixed Rate                                                            1,777,915,446       1,805,308,785       1.5       1,902,148,006       5.4        1,939,432,105       2.0       1,910,749,300      -1.5
TOTAL OTHER REAL ESTATE OUTSTANDING                                            94,920,408,676      93,441,982,581      -1.6      93,229,132,400      -0.2       92,416,182,019      -0.9      90,796,029,405      -1.8
TOTAL RE (FIRST AND OTHER) OUTSTANDING                                        305,903,238,370     308,157,964,372       0.7     309,847,215,382       0.5      309,602,150,409      -0.1     308,782,928,523      -0.3
RE LOAN SUMMARY (FIX, ADJ):
   First Mortgage Fixed Rate (includes Hybrids/Balloons > 5yrs)               143,808,929,298     147,684,947,586       2.7     149,271,795,041       1.1      150,000,810,043       0.5     150,538,087,731       0.4
   Other RE Fixed Rate                                                         51,286,573,570      49,272,020,971      -3.9      48,338,135,727      -1.9       47,068,862,444      -2.6      45,442,114,638      -3.5
Total Fixed Rate RE Outstanding                                               195,095,502,868     196,956,968,557       1.0     197,609,930,768       0.3      197,069,672,487      -0.3     195,980,202,369      -0.6
%(Total Fixed Rate RE/Total Assets)                                                     22.78               22.63      -0.7               22.61      -0.1                22.28      -1.5               21.83      -2.0
%(Total Fixed Rate RE/Total Loans)                                                      34.52               34.55       0.1               34.34      -0.6                34.42       0.2               34.64       0.6

  First Mortgage Adj Rate (includes Hybrids/Balloons < 5 yrs)                  67,173,900,396      67,031,034,205      -0.2      67,346,287,941       0.5       67,185,158,347      -0.2      67,448,811,387       0.4
  Other RE Adj Rate                                                            43,633,835,106      44,169,961,610       1.2      44,890,996,673       1.6       45,347,319,575       1.0      45,353,914,767       0.0
Total Adj Rate RE Outstanding                                                 110,807,735,502     111,200,995,815       0.4     112,237,284,614       0.9      112,532,477,922       0.3     112,802,726,154       0.2

MISCELLANEOUS RE INFORMATION:
Outstanding Interest Only & Payment Option First Mtg Loans                      7,296,953,311       7,192,550,464      -1.4        6,950,607,454     -3.4        7,002,779,962       0.8        6,717,910,185     -4.1
%(Interest Only & Payment Option First Mtg / Total Assets)                               0.85                0.83      -3.0                 0.80     -3.8                 0.79      -0.5                 0.75     -5.5
%(Interest Only & Payment Option First Mtg / Net Worth)                                  8.82                8.24      -6.5                 7.91     -4.0                 7.99       1.0                 7.58     -5.2
Outstanding Interest Only & Payment Option Other RE
  / LOCs Loans                                                                 10,420,772,551      11,526,356,554     10.6       12,155,717,050       5.5       12,895,580,499      6.1       12,886,217,960      -0.1
  Outstanding Residential Construction (Excluding Business
     Purpose Loans)                                                             1,028,457,982         866,630,872     -15.7          859,642,008     -0.8          845,688,065     -1.6           764,075,400     -9.7
  Allowance for Loan Losses on all RE Loans                                     1,596,646,485       1,896,812,523      18.8        2,209,357,047     16.5        2,597,993,918     17.6         2,783,703,612      7.1
* REAL ESTATE LOANS - AMOUNT GRANTED:
* First Mortgages
  * Fixed Rate > 15 years                                                      15,542,588,735      32,715,500,173      5.2       43,479,797,104     -11.4       52,590,115,447      -9.3       6,858,493,069     -47.8
  * Fixed Rate 15 years or less                                                 6,158,604,362      13,609,171,491     10.5       19,146,564,385      -6.2       23,671,595,772      -7.3       3,884,044,043     -34.4
  * Other Fixed Rate                                                              130,706,498         266,496,065      1.9          412,830,884       3.3          589,864,643       7.2          94,404,610     -36.0
* Total Fixed Rate First Mortgages                                             21,831,899,595      46,591,167,729      6.7       63,039,192,373      -9.8       76,851,575,862      -8.6      10,836,941,722     -43.6
  * Balloon/Hybrid > 5 years                                                      870,364,402       1,877,911,304      7.9        2,745,627,206      -2.5        3,805,779,665       4.0         661,782,338     -30.4
  * Balloon/Hybrid 5 years or less                                              1,251,301,402       2,830,139,130     13.1        4,517,926,699       6.4        5,887,529,342      -2.3       1,251,636,322     -15.0
* Total Balloon/Hybrid First Mortgages                                          2,121,665,804       4,708,050,434     11.0        7,263,553,905       2.9        9,693,309,007       0.1       1,913,418,660     -21.0
  * Adjustable Rate First Mtgs 1 year or less                                     388,701,075         861,225,919     10.8        1,252,165,795      -3.1        1,601,716,405      -4.1         244,769,906     -38.9
  * Adjustable Rate First Mtgs >1 year                                          1,253,589,593       3,174,805,308     26.6        4,884,085,042       2.6        6,077,972,264      -6.7       1,224,645,721     -19.4
* Total Adjustable First Mortgages                                              1,642,290,668       4,036,031,227     22.9        6,136,250,837       1.4        7,679,688,669      -6.1       1,469,415,627     -23.5
* TOTAL FIRST MORTGAGE RE LOANS GRANTED                                        25,595,856,067      55,335,249,390      8.1       76,438,997,115      -7.9       94,224,573,538      -7.5      14,219,776,009     -39.6
* Amounts are year-to-date while the related %change ratios are annualized.
# Means the number is too large to display in the cell


                                                                                                                                                                                                         10. RELoans 1
                                                                                               Real Estate Loan Information 2
Return to cover                                                                                         For Charter : N/A
06/03/2010                                                                                             Count of CU : 7498
CU Name:      N/A                                                                                     Asset Range : N/A
Peer Group:     N/A                                                                                         Criteria : Region: Nation * Peer Group: All * Types Included: All Federally Insured Credit Unions (FICUs) *
                                                                                         Count of CU in Peer Group : N/A

                                                                                      Mar-2009              Jun-2009    % Chg             Sep-2009    % Chg              Dec-2009    % Chg              Mar-2010    % Chg
* OTHER REAL ESTATE (Granted)
* Closed End Fixed Rate                                                          2,027,246,172         4,571,949,480     12.8         7,055,061,197       2.9       8,870,483,701      -5.7        1,562,314,115     -29.5
* Closed End Adjustable Rate                                                       129,573,292           275,277,093      6.2           426,153,084       3.2         590,543,874       3.9          106,837,746     -27.6
* Open End Adjustable Rate (HELOC)                                               3,100,533,563         6,482,262,813      4.5         9,936,062,234       2.2      12,405,002,521      -6.4        2,365,049,651     -23.7
* Open End Fixed Rate and Other                                                    148,493,692           294,021,488     -1.0           443,297,226       0.5         666,901,182      12.8          125,022,319     -25.0
* TOTAL OTHER REAL ESTATE GRANTED                                                5,405,846,719        11,623,510,874      7.5        17,860,573,741       2.4      22,532,931,278      -5.4        4,159,223,831     -26.2
* TOTAL RE (FIRST AND OTHER) GRANTED                                            31,001,702,786        66,958,760,264      8.0        94,299,570,856      -6.1     116,757,504,816      -7.1       18,378,999,840     -37.0
%(Total Fixed Rate RE Granted YTD/Total Loans Granted YTD)                               37.28                 37.35      0.2                 35.10      -6.0               33.81      -3.7                25.73     -23.9
RE LOANS SOLD/SERVICED
* First Mortgage R.E. Loans Sold                                                13,792,271,603        30,540,803,023     10.7        41,661,256,153      -9.1       50,878,308,015     -8.4        7,842,459,694     -38.3
%(First Mtg RE Loans Sold/ First Mtg RE Loans Granted)                                   53.88                 55.19      2.4                 54.50      -1.2                54.00     -0.9                55.15       2.1
AMT of Mortgage Servicing Rights                                                   455,448,412           601,526,396     32.1           631,596,901       5.0          687,349,126      8.8          713,059,294       3.7
Outstanding RE Loans Sold But Serviced                                          72,670,529,930        80,985,260,585     11.4        87,198,086,563       7.7       92,072,563,150      5.6       95,776,670,142       4.0
% (Mortgage Servicing Rights / Net Worth)                                                 0.55                  0.69     25.3                  0.72       4.3                 0.78      9.1                 0.80       2.5
MISC. RE LOAN INFORMATION
S-Term (<5 Yrs) R.E. Loan (Exc. MBL)                                           112,594,411,740       113,122,778,190       0.5      114,136,230,528      0.9      113,763,858,011      -0.3      113,375,263,488      -0.3
R.E. Lns also Mem. Bus. Lns                                                     25,110,658,690        25,794,705,565       2.7       26,647,610,030      3.3       27,709,159,956       4.0       28,287,321,338       2.1
REVERSE MORTGAGES
Federally Insured Home Equity Conversion Mortgage (HECM)                                    N/A                  N/A                            N/A                      7,624,754                     6,784,902     -11.0
Proprietary Reverse Mortgage Products                                                       N/A                  N/A                            N/A                     23,359,198                    26,895,731      15.1
Total Reverse Mortgages                                                                     N/A                  N/A                            N/A                     30,983,952                    33,680,633       8.7
RE LOAN MODIFICATIONS OUTSTANDING
Modified First Mortgage RE Loans                                                 1,982,898,591         3,110,382,463     56.9         4,258,427,319     36.9         5,186,641,214     21.8        5,824,736,563      12.3
Modified Other RE Loans                                                            367,483,111           547,459,348     49.0           733,963,833     34.1           883,718,062     20.4          953,000,163       7.8
Total Modified First and Other RE Loans                                          2,350,381,702         3,657,841,811     55.6         4,992,391,152     36.5         6,070,359,276     21.6        6,777,736,726      11.7
Modified RE Loans Also Reported as Business Loans                                  454,993,665           757,899,211     66.6           920,927,561     21.5         1,195,463,254     29.8        1,284,037,120       7.4
DELINQUENT R.E. LOANS > 2 MOS
   First Mortgage Fixed Rate (includes Balloon/Hybrids > 5 yrs)                  1,670,095,147         1,979,770,909     18.5         2,259,292,680     14.1         2,542,010,135     12.5        2,648,698,630       4.2
   First Mortgage Adj Rate (includes Balloon/Hybrids < 5 yrs)                    1,463,379,924         1,753,161,047     19.8         1,913,493,513      9.1         2,118,847,865     10.7        2,165,656,508       2.2
   Other R.E. Fixed Rate                                                           632,201,156           742,952,197     17.5           829,511,089     11.7           865,993,662      4.4          816,879,276      -5.7
   Other R.E. Adj. Rate                                                            530,576,763           595,828,642     12.3           592,056,536     -0.6           622,366,234      5.1          600,943,376      -3.4
TOTAL DEL R.E. > 2 MOS                                                           4,296,252,990         5,071,712,795     18.0         5,594,353,818     10.3         6,149,217,896      9.9        6,232,177,790       1.3
DELINQUENT 1 TO < 2 MOS
   First Mortgage                                                                2,330,007,379         2,216,123,755      -4.9        2,535,734,864     14.4         3,110,574,670     22.7        3,073,563,355      -1.2
   Other                                                                           828,781,190           781,934,418      -5.7          941,795,067     20.4           999,281,148      6.1          911,640,858      -8.8
Total Del R.E. 1 to < 2 Mos                                                      3,158,788,569         2,998,058,173      -5.1        3,477,529,931     16.0         4,109,855,818     18.2        3,985,204,213      -3.0
Total Del R.E. Loans > 1 Mos                                                     7,455,041,559         8,069,770,968       8.2        9,071,883,749     12.4        10,259,073,714     13.1       10,217,382,003      -0.4
RE LOAN DELINQUENCY RATIOS
% R.E. Loans dq > 1 Mos                                                                    2.44                  2.62     7.5                  2.93     11.8                  3.31     13.2                  3.31     -0.1
% R.E. Loans dq > 2 Mos                                                                    1.40                  1.65    17.2                  1.81      9.7                  1.99     10.0                  2.02      1.6
REAL ESTATE LOAN MODIFICATIONS DELINQUENT > 2 MOS
Modified First Mortgage RE Loans > 2 Mo Del                                        403,751,350           591,818,806     46.6           854,643,461     44.4         1,129,795,158     32.2        1,287,798,002      14.0
Modified Other RE Loans > 2 Mo Del                                                  67,739,132           114,125,700     68.5           171,221,044     50.0           224,211,689     30.9          226,741,414       1.1
Total Modified First and Other RE Loans > 2 Mo Del                                 471,490,482           705,944,506     49.7         1,025,864,505     45.3         1,354,006,847     32.0        1,514,539,416      11.9
% Total Modified 1st and Other RE > 2 Mo Del
   / Total Modified 1st and Other RE                                                      20.06                 19.30     -3.8                20.55      6.5                 22.31      8.5                 22.35         0.2
Modified RE Loans Also Reported as
  Business Loans > 2 Mo Del                                                        123,083,253           185,367,913     50.6           263,789,286     42.3           337,624,827     28.0          379,002,650      12.3
% Modified RE Lns also Reported as
  Business Loans > 2 Mo Del
  / Total Modified RE Lns also Reported as Business Loans                                 27.05                 24.46     -9.6                28.64     17.1                 28.24     -1.4                 29.52         4.5
REAL ESTATE LOANS/LOC CHARGE-OFFS AND RECOVERIES:
* Total 1st Mortgage Lns Charged Off                                               113,247,436           235,806,124      4.1           391,356,710     10.6           586,878,865     12.5          184,294,298      25.6
* Total 1st Mortgage Lns Recovered                                                   3,092,483             8,738,908     41.3            14,147,070      7.9            21,052,747     11.6            6,897,673      31.1
* NET 1st MORTGAGE LN C/Os                                                         110,154,953           227,067,216      3.1           377,209,640     10.7           565,826,118     12.5          177,396,625      25.4
** Net Charge Offs - 1st Mortgage Loans
     / Avg 1st Mortgage Loans                                                             0.21                  0.21      2.2                  0.24     10.3                  0.27     12.4                 0.33      22.5
* Total Other RE Lns Charged Off                                                   220,285,747           499,995,908     13.5           818,586,844      9.1         1,156,136,870      5.9          303,178,174       4.9
* Total Other RE Lns Recovered                                                       6,238,595            12,048,937     -3.4            19,019,632      5.2            27,374,360      7.9            8,738,956      27.7
* NET OTHER RE LN C/Os                                                             214,047,152           487,946,971     14.0           799,567,212      9.2         1,128,762,510      5.9          294,439,218       4.3
**Net Charge Offs Other RE Loans / Avg Other RE Loans                                     0.89                  1.03     14.9                  1.12      9.4                  1.19      6.3                 1.29       7.6
* Amounts are year-to-date and the related % change ratios are annualized.
** Annualization factor: March = 4; June = 2; September =4/3; December = 1 (or no annualizing)
# Means the number is too large to display in the cell


                                                                                                                                                                                                             11. RELoans 2
                                                                                       Member Business Loan Information
Return to cover                                                                                    For Charter : N/A
06/03/2010                                                                                        Count of CU : 7498
CU Name:      N/A                                                                                 Asset Range : N/A
Peer Group:     N/A                                                                                    Criteria : Region: Nation * Peer Group: All * Types Included: All Federally Insured Credit Unions (FICUs) *
                                                                                    Count of CU in Peer Group : N/A

                                                                                  Mar-2009            Jun-2009     % Chg             Sep-2009    % Chg             Dec-2009    % Chg             Mar-2010     % Chg
BUSINESS LOANS
Member Business Loans (NMBLB) 1                                              26,196,148,026      27,091,457,689      3.4       27,764,505,684       2.5      28,209,191,754       1.6       28,768,839,183        2.0
Purchased Business Loans or Participations to Nonmembers                      6,534,516,552       6,638,368,792      1.6        6,659,753,609       0.3       6,821,016,329       2.4        6,819,798,754        0.0
(NMBLB) 1
Total Business Loans (NMBLB) 1                                               32,730,664,578      33,729,826,481      3.1       34,424,259,293       2.1      35,030,208,083       1.8       35,588,637,937        1.6
Unfunded Commitments 1                                                        1,675,330,194       1,674,895,543      0.0        1,594,965,285      -4.8       1,580,238,189      -0.9        1,565,114,666       -1.0
TOTAL BUSINESS LOANS (NMBLB) LESS UNFUNDED
COMMITMENTS 1                                                                31,055,334,384      32,054,930,938      3.2       32,829,294,008       2.4      33,449,969,894       1.9       34,023,523,271        1.7
%(Total Business Loans (NMBLB) Less Unfunded Commitments/
Total Assets) 1                                                                        3.63                 3.68     1.6                  3.76      2.0                 3.78      0.7                 3.79        0.2
NUMBER OF BUSINESS LOANS OUTSTANDING:
Number of Outstanding of Business Loans                                            133,518              136,635      2.3              138,985       1.7             141,924       2.1              142,545        0.4
Number of Outstanding Purchased Business Loans or
 Participation Interests to Nonmembers                                              16,006               15,858      -0.9              15,534      -2.0               15,590      0.4               15,379       -1.4
MISCELLANEOUS BUSINESS LOAN INFORMATION
Construction and Development (NMBLB) 1                                        1,874,385,173       1,767,126,518      -5.7       1,688,024,659      -4.5        1,565,878,414     -7.2        1,498,587,992       -4.3
Number of Outstanding Construction and Development Loans                              2,011               1,912      -4.9               1,735      -9.3                1,661     -4.3                1,658       -0.2
Unsecured Business Loans1                                                       139,104,163         148,763,629       6.9         148,650,908      -0.1          166,454,507     12.0          158,313,794       -4.9
Number of Outstanding Unsecured Business Loans                                        5,113               5,474       7.1               5,126      -6.4                5,898     15.1                5,624       -4.6
Purchased or Participation Interest to Members (NMBLB)1                         716,740,474         762,816,088       6.4         771,792,711       1.2          786,958,435      2.0          828,588,138        5.3
Number of Outstanding Purchased Business Loans or
 Participation Interests to Members                                                     922               1,010      9.5                  963      -4.7                1,075     11.6                1,107        3.0
Agricultural Related (NMBLB)1                                                 1,107,704,305       1,167,077,106      5.4        1,206,474,824       3.4        1,197,917,677     -0.7        1,209,585,845        1.0
Number of Outstanding Agricultural Related Loans                                     14,899              15,046      1.0               15,517       3.1               15,716      1.3               15,109       -3.9
AMOUNT OF BUSINESS LOANS GRANTED OR PURCHASED:
* MBL (NMBLB) Granted YTD1                                                    2,273,173,252       4,828,003,252       6.2       7,122,019,847      -1.7        9,435,352,639     -0.6        2,238,619,919       -5.1
* Purchased or Participation Interests to Nonmembers (NMBLB)1                   376,755,039         686,029,546      -9.0         985,084,182      -4.3        1,359,316,132      3.5          244,010,366      -28.2
DELINQUENCY - MEMBER BUSINESS LOANS
1 to < 2 Months Delinquent                                                     403,959,637          394,268,589     -2.4          494,167,547      25.3          550,217,859     11.3          628,413,537      14.2
2 to < 6 Months Delinquent                                                     372,700,208          544,237,376     46.0          505,946,606      -7.0          587,624,230     16.1          634,069,643       7.9
 6 to 12 Months Delinquent                                                     306,462,617          351,767,354     14.8          333,417,034      -5.2          360,924,680      8.3          367,933,932       1.9
12 Months & Over Delinquent                                                    161,781,229          174,515,114      7.9          262,389,533      50.4          286,162,423      9.1          378,897,156      32.4
Total Del Loans - All Types (2 or more Mo)                                     840,944,054        1,070,519,844     27.3        1,101,753,173       2.9        1,234,711,333     12.1        1,380,900,731      11.8
MBL DELINQUENCY RATIOS
% MBL > 1 Month Delinquent (All delinquency > 30 days)                                 4.01                 4.57    14.0                  4.86      6.4                 5.34      9.8                 5.91      10.7
% MBL > 2 Months Delinquent (Reportable delinquency)                                   2.71                 3.34    23.3                  3.36      0.5                 3.69     10.0                 4.06      10.0
MBL CHARGE-OFFS AND RECOVERIES:
*Total MBL Charge Offs                                                          30,885,949           63,110,028      2.2          116,042,166      22.6         213,974,061      38.3           73,019,791       36.5
*Total MBL Recoveries                                                              504,928            3,031,486    200.2            5,906,420      29.9           6,541,624     -16.9              928,278      -43.2
MISCELLANEOUS MBL INFORMATION:
Real Estate Loans also Reported as Business Loans                            25,110,658,690      25,794,705,565       2.7      26,647,610,030       3.3      27,709,159,956       4.0       28,287,321,338       2.1
* Business Loans and Participations Sold                                        426,629,424         738,933,750     -13.4       1,029,701,047      -7.1       1,292,826,786      -5.8          300,354,518      -7.1
SBA Loans Outstanding                                                           541,727,299         569,596,731       5.1         542,740,792      -4.7         601,282,726      10.8          647,167,808       7.6
Number of SBA Loans Outstanding                                                       7,350               7,358       0.1               7,529       2.3               7,389      -1.9                8,165      10.5
RISK BASED NET WORTH (RBNW):
Loans and Participation Interests Qualifying for RBNW (CUS >$10m)            32,039,189,482      32,979,401,678      2.9       33,751,605,641       2.3      34,416,161,228       2.0       35,107,233,710        2.0
Unfunded Commitments for Loans and Participation Interests
   Qualifying for RBNW (CUS >$10m)                                            1,811,528,258       1,846,582,983      1.9        1,834,983,892      -0.6       1,810,390,237      -1.3        1,810,631,964        0.0
RE Loans also Reported as Qualifying MBLS for RBNW                           23,170,142,584      23,717,203,664      2.4       24,793,383,474       4.5      25,483,185,341       2.8       26,164,271,090        2.7
1
  PART 723 REDEFINED MEMBER BUSINESS LOANS IN OCTOBER 2003;
* Amounts are year-to-date and the related % change ratios are annualized.
                                                                                                                                                                                                             12. MBLs
                                                                   Investments, Cash, & Cash Equivalents
Return to cover                                                                 For Charter : N/A
06/03/2010                                                                     Count of CU : 7498
CU Name:      N/A                                                             Asset Range : N/A
Peer Group:     N/A                                                                 Criteria : Region: Nation * Peer Group: All * Types Included: All Federally Insured Credit Unions (FICUs) *
                                                                 Count of CU in Peer Group : N/A

                                                               Mar-2009            Jun-2009    % Chg              Sep-2009   % Chg              Dec-2009   % Chg              Mar-2010    % Chg
INVESTMENT, CASH ON DEPOSIT AND CASH EQUIVALENTS

SFAS 115 CLASS OF INVESTMENTS
  Held to Maturity < 1 yr                                  9,807,714,407       9,904,544,517      1.0       10,121,458,421       2.2       9,841,806,006      -2.8        8,670,972,359    -11.9
  Held to Maturity 1-3 yrs                                10,601,344,049      12,596,751,746     18.8       12,951,548,110       2.8      13,994,253,633       8.1       15,382,326,961      9.9
  Held to Maturity 3-5 yrs                                 5,450,737,707       5,808,007,174      6.6        6,543,811,630      12.7       7,550,902,953      15.4        8,981,075,084     18.9
  Held to Maturity 5-10 yrs                                1,630,900,263       1,543,246,807     -5.4        1,854,814,002      20.2       2,180,541,010      17.6        2,899,076,964     33.0
  Held to Maturity 3-10 yrs                                          N/A                 N/A                           N/A                           N/A                            N/A
  Held to Maturity > 10 yrs                                  842,563,638         984,449,327     16.8        1,031,754,454       4.8       1,264,260,778      22.5        1,499,112,881     18.6
  TOTAL HELD TO MATURITY                                  28,333,260,064      30,836,999,571      8.8       32,503,386,617       5.4      34,831,764,380       7.2       37,432,564,249      7.5

  Available for Sale < 1 yr                               24,917,618,316      24,373,997,729     -2.2       23,798,662,620      -2.4      23,229,103,890      -2.4       24,612,036,706      6.0
  Available for Sale 1-3 yrs                              31,736,554,635      34,998,392,448     10.3       37,643,761,304       7.6      38,261,333,742       1.6       43,085,626,029     12.6
  Available for Sale 3-5 yrs                              16,643,362,235      19,671,825,971     18.2       19,997,695,952       1.7      22,329,044,333      11.7       25,569,986,538     14.5
  Available for Sale 5-10 yrs                              8,044,915,250       8,458,607,000      5.1        9,018,347,270       6.6      10,525,229,869      16.7       11,824,329,971     12.3
  Available for Sale 3-10 yrs                                        N/A                 N/A                           N/A                           N/A                            N/A
  Available for Sale > 10 yrs                              2,329,833,402       2,300,034,823      -1.3       2,629,589,404      14.3       2,880,586,954       9.5        3,023,809,533      5.0
  TOTAL AVAILABLE FOR SALE                                83,672,283,838      89,802,857,971       7.3      93,088,056,550       3.7      97,225,298,788       4.4      108,115,788,777     11.2

  Trading < 1 year                                          406,644,046          400,519,831     -1.5          430,704,278       7.5         534,778,688      24.2          587,073,175      9.8
  Trading 1-3 years                                         152,385,597          192,451,323     26.3          273,123,555      41.9         271,591,634      -0.6          302,218,615     11.3
  Trading 3-5 years                                          37,690,441           82,750,572    119.6           49,477,494     -40.2          77,687,493      57.0           97,163,314     25.1
  Trading 5-10 years                                         43,085,504           63,186,067     46.7           56,669,637     -10.3          63,650,491      12.3           51,630,528    -18.9
  Trading 3-10 years                                                N/A                  N/A                           N/A                           N/A                            N/A
  Trading > 10 years                                          1,708,531            4,984,755    191.8            5,782,992      16.0           8,995,423      55.5            5,281,901    -41.3
  TOTAL TRADING                                             641,514,119          743,892,548     16.0          815,757,956       9.7         956,703,729      17.3        1,043,367,533      9.1

  Other Investments < 1 yr                               111,546,267,209     105,508,376,949      -5.4     100,042,891,737      -5.2     107,457,657,469       7.4      110,378,908,881      2.7
  Other Investments 1-3 yrs                               24,602,076,320      26,985,171,211       9.7      26,834,817,081      -0.6      26,631,011,138      -0.8       29,249,399,688      9.8
  Other Investments 3-5 yrs                                3,704,343,014       3,496,813,062      -5.6       3,479,824,317      -0.5       3,185,670,587      -8.5        3,356,078,594      5.3
  Other Investments 5-10 yrs                                 302,184,226         313,864,155       3.9         262,934,726     -16.2         279,010,945       6.1          355,088,747     27.3
  Other Investments 3-10 yrs                                         N/A                 N/A                           N/A                           N/A                            N/A
  Other Investments > 10 yrs                                 179,718,175         187,268,287       4.2         209,244,477      11.7         211,087,596       0.9          202,633,124      -4.0
TOTAL Other Investments                                  140,334,588,944     136,491,493,664      -2.7     130,829,712,338      -4.1     137,764,437,735       5.3      143,542,109,034       4.2

MATURITIES :
Total Investments < 1 yr                                 146,678,243,978     140,187,439,026     -4.4      134,393,717,056      -4.1     141,063,346,053       5.0      144,248,991,121      2.3
Total Investments 1-3 yrs                                 67,092,360,601      74,772,766,728     11.4       77,703,250,050       3.9      79,158,190,147       1.9       88,019,571,293     11.2
Total Investments 3-5 yrs                                 25,836,133,397      29,059,396,779     12.5       30,070,809,393       3.5      33,143,305,366      10.2       38,004,303,530     14.7
Total Investments 5-10 yrs                                10,021,085,243      10,378,904,029      3.6       11,192,765,635       7.8      13,048,432,315      16.6       15,130,126,210     16.0
Total Investments 3-10 yrs                                           N/A                 N/A                           N/A                           N/A                            N/A
Total Investments > 10 yrs                                 3,353,823,746       3,476,737,192      3.7        3,876,371,327      11.5       4,364,930,751      12.6        4,730,837,439      8.4
Total                                                    252,981,646,965     257,875,243,754      1.9      257,236,913,461      -0.2     270,778,204,632       5.3      290,133,829,593      7.1
# Means the number is too large to display in the cell


                                                                                                                                                                                      13. InvCash
                                                                             Other Investment Information
Return to cover                                                                      For Charter : N/A
06/03/2010                                                                          Count of CU : 7498
CU Name:      N/A                                                                   Asset Range : N/A
Peer Group:     N/A                                                                      Criteria : Region: Nation * Peer Group: All * Types Included: All Federally Insured Credit Unions (FICUs) *
                                                                      Count of CU in Peer Group : N/A

                                                                    Mar-2009            Jun-2009    % Chg              Sep-2009    % Chg             Dec-2009    % Chg             Mar-2010    % Chg
INVESTMENT SUMMARY:
U.S. GOVERNMENT OBLIGATIONS                                     6,119,251,039       6,172,546,486      0.9        6,618,955,424       7.2        7,038,538,368      6.3        8,603,658,981     22.2

 Agency/GSE Debt Instruments (not backed by mortgages)         40,656,822,306      45,165,916,170     11.1       48,396,502,285       7.2      52,525,006,680       8.5       61,916,811,661     17.9
 Agency/GSE Mortgage-Backed Securities                         48,248,471,765      52,318,091,992      8.4       53,696,730,133       2.6      55,104,681,652       2.6       58,468,355,355      6.1
TOTAL FEDERAL AGENCY SECURITIES                                88,905,294,071      97,484,008,162      9.6      102,093,232,418       4.7     107,629,688,332       5.4      120,385,167,016     11.9

 Privately Issued Mortgage-Related Securities                   3,250,741,029       3,274,436,405      0.7        3,233,605,249      -1.2        3,315,240,669      2.5        2,513,334,018     -24.2
 Privately Issued Securities (FCUs only)                                  N/A                 N/A                           N/A                            N/A                   748,366,516
 Privately Issued Mortgage-Backed Securities (FISCUs Only)        246,070,172         327,628,394     33.1          357,134,137       9.0          303,814,961    -14.9          329,006,370       8.3
TOTAL OTHER MORTGAGE-BACKED SECURITIES                          3,496,811,201       3,602,064,799      3.0        3,590,739,386      -0.3        3,619,055,630      0.8        3,590,706,904      -0.8

  Mutual Funds                                                  1,776,000,913       1,793,544,780       1.0       1,546,070,256     -13.8        1,327,770,413    -14.1        1,549,450,158      16.7
  Common Trusts                                                   646,838,006         591,128,671      -8.6         793,269,542      34.2          662,335,311    -16.5          424,526,901     -35.9
TOTAL MUTUAL FUNDS & COMMON TRUST INVESTMENTS                   2,422,838,919       2,384,673,451      -1.6       2,339,339,798      -1.9        1,990,105,724    -14.9        1,973,977,059      -0.8
MORTGAGE RELATED SECURITIES:
    Collateralized Mortgage Obligations                        25,886,497,737      27,283,284,598      5.4       28,046,242,382       2.8      29,103,701,046       3.8       31,197,782,529       7.2
    Commercial Mortgage Backed Securities                         917,932,032       1,011,502,749     10.2        1,179,591,837      16.6       1,282,497,150       8.7        1,378,115,336       7.5
OTHER INVESTMENT INFORMATION:
Non-Mortgage Related Securities With Embedded Options
  or Complex Coupon Formulas                                   12,092,828,251      13,595,121,315     12.4       14,021,341,097       3.1      17,488,649,513      24.7       20,896,251,850     19.5
Non-Mortgage Related Securities With Maturities > 3 Yrs
  Without Embedded Options or Complex Coupon Formulas           2,809,539,428       2,889,253,219       2.8       3,146,726,856       8.9       3,390,817,562       7.8        3,636,624,385      7.2
Securities per 703.12(b)                                       45,601,453,706      49,374,080,535       8.3      50,201,162,066       1.7      54,861,868,456       9.3       60,861,521,905     10.9
Deposits/Shares per 703.10(a)                                   3,590,653,840       3,429,870,764      -4.5       3,123,404,153      -8.9       3,068,003,297      -1.8        2,790,731,137     -9.0
Market Value of Investments Purchased Under
   Investment Pilot Program (703.19)                              156,140,182         173,331,671      11.0         222,933,046      28.6         271,690,859      21.9          257,116,670     -5.4
Fair Value of Total Investments                               253,500,991,347     258,197,392,049       1.9     257,595,264,261      -0.2     270,836,932,312       5.1      290,469,896,610      7.2
Investment Repurchase Agreements                                  639,371,323         109,943,103     -82.8          57,225,468     -47.9          43,605,476     -23.8           78,945,034     81.0
Borrowing Repurchase Agreements Placed in Investments
  for Positive Arbitrage                                          462,730,910         500,903,446       8.2         545,396,127       8.9         567,013,301       4.0          596,607,026      5.2
Cash on Deposit in Corporate Credit Unions                     40,874,142,858      35,560,140,607     -13.0      33,933,632,202      -4.6      40,758,386,697      20.1       47,753,501,076     17.2
Cash on Deposit in Other Financial Institutions                12,575,120,221      11,270,577,517     -10.4      10,797,643,682      -4.2      12,527,506,146      16.0       15,560,273,560     24.2
CUSO INFORMATION
Value of Investments in CUSO                                    1,111,445,051       1,153,953,795      3.8        1,169,430,888       1.3        1,138,031,709     -2.7        1,151,919,497       1.2
CUSO loans                                                        635,642,554         652,065,301      2.6          684,149,642       4.9          746,169,306      9.1          740,937,257      -0.7
Aggregate cash outlays in CUSO                                    691,742,440         720,927,117      4.2          901,173,063      25.0          910,222,210      1.0          940,888,101       3.4
WHOLLY OWNED CUSO INFORMATION
Total Assets of Wholly Owned CUSOs                                       N/A                  N/A                 4,582,841,224                  2,729,175,659    -40.4        2,371,992,579     -13.1
Total Capital of Wholly Owned CUSOs                                      N/A                  N/A                 1,816,188,387                  1,262,338,767    -30.5        1,200,647,363      -4.9
Net Income/Loss of Wholly Owned CUSOs                                    N/A                  N/A                   647,890,965                    250,097,515    -61.4          319,001,990      27.6
Total Delinquency of Wholly Owned CUSOs                                  N/A                  N/A                   117,507,599                     50,978,255    -56.6           52,382,876       2.8

Inv not Authorized by the FCU Act or NCUA R&R (SCU only)        1,938,607,226       2,013,432,632      3.9        1,871,794,953      -7.0        1,707,071,606     -8.8        1,629,440,415      -4.5
Outstanding Balance of Brokered CDs and Share
  Certificates Purchased                                       14,106,492,854      15,622,581,402     10.7       15,195,123,801      -2.7      15,720,764,461       3.5       15,969,540,202       1.6
CREDIT UNION INVESTMENT PROGRAMS
Mortgage Processing                                                     1,787               1,814       1.5                1,532    -15.5                1,613      5.3                1,619       0.4
Approved Mortgage Seller                                                  831                 844       1.6                  832     -1.4                  850      2.2                  860       1.2
Borrowing Repurchase Agreements                                            26                  27       3.8                   41     51.9                   41      0.0                   41       0.0
Brokered Deposits (all deposits acquired through 3rd party)               314                 307      -2.2                  330      7.5                  337      2.1                  334      -0.9
Investment Pilot Program                                                   17                  17       0.0                   18      5.9                   17     -5.6                   15     -11.8
Investments Not Authorized by FCU Act (SCU only)                          128                 136       6.3                  118    -13.2                  124      5.1                  127       2.4
Deposits and Shares Meeting 703.10(a)                                   1,092               1,073      -1.7                  823    -23.3                  913     10.9                  921       0.9
Brokered Certificates of Deposit (investments)                          2,321               2,358       1.6                1,717    -27.2                1,858      8.2                1,868       0.5
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                                                                                                                                                                                       14.OtherInvInfo
                                                                        Supplemental Share Information, Off Balance Sheet, & Borrowings
Return to cover                                                                                  For Charter : N/A
06/03/2010                                                                                      Count of CU : 7498
CU Name:      N/A                                                                               Asset Range : N/A
Peer Group:     N/A                                                                                  Criteria : Region: Nation * Peer Group: All * Types Included: All Federally Insured Credit Unions (FICUs) *
                                                                                 Count of CU in Peer Group : N/A

                                                                                Mar-2009              Jun-2009 % Chg               Sep-2009 % Chg                Dec-2009 % Chg                Mar-2010 % Chg
SUPPLEMENTAL SHARES/DEPOSITS
  (included in total Shares):
Accounts Held by Member Government Depositors                               1,014,357,481          959,633,777     -5.4        1,017,736,494      6.1        1,061,473,587     4.3        1,203,592,789     13.4
Accounts Held by Nonmember Government Depositors                              721,658,152          466,176,200    -35.4          482,980,042      3.6          474,173,138    -1.8          433,077,692     -8.7
Employee Benefit Member Shares                                                273,797,656          276,419,061      1.0          277,519,923      0.4          297,052,280     7.0          281,087,616     -5.4
Employee Benefit Nonmember Shares                                               2,390,935            3,024,726     26.5            2,345,857    -22.4            2,244,442    -4.3            2,323,027      3.5
529 Plan Member Deposits                                                        1,470,991              974,403    -33.8              996,598      2.3              968,639    -2.8            1,007,760      4.0
Non-dollar Denominated Deposits                                                   128,445               81,716    -36.4               81,915      0.2              111,125    35.7              103,470     -6.9
Health Savings Accounts                                                       174,065,918          215,569,224     23.8          237,566,665     10.2          260,373,633     9.6          326,023,459     25.2
Dollar Amount of Share Certificates >= $100,000                            71,114,509,996       70,932,773,610     -0.3       70,743,158,970     -0.3       70,257,424,076    -0.7       70,082,645,956     -0.2
Dollar Amount of IRA/Keogh >= $100,000                                     17,469,564,647       18,363,621,148      5.1       18,993,947,387      3.4       19,490,388,943     2.6       19,881,634,428      2.0
Dollar Amount of Share Drafts Swept to Regular Shares or
 Money Market Accounts                                                     13,214,905,731       13,870,280,330      5.0       13,899,906,548      0.2       14,407,969,419      3.7      16,054,070,234     11.4
SAVING MATURITIES
   < 1 year                                                               642,815,292,078      655,035,360,492       1.9     655,423,326,563      0.1     667,323,124,480       1.8     683,660,479,896      2.4
   1 to 3 years                                                            59,782,211,734       58,138,267,747      -2.7      60,499,297,112      4.1      62,367,979,921       3.1      65,507,070,214      5.0
   > 3 years                                                               21,874,247,570       22,357,058,748       2.2      22,456,146,072      0.4      22,974,619,061       2.3      24,080,391,092      4.8
Total Shares & Deposits                                                   724,471,751,382      735,530,686,987       1.5     738,378,769,747      0.4     752,665,723,462       1.9     773,247,941,202      2.7
INSURANCE COVERAGE IN ADDITION TO NCUSIF
Share/Deposit Insurance in Addition to NCUSIF                                         460                  454      -1.3                 449     -1.1                  439     -2.2                 422      -3.9
Dollar Amount of Shares/Deposits Covered by
 Additional Insurance                                                       2,995,543,956        2,369,010,598    -20.9        3,038,995,105     28.3        2,477,984,747    -18.5       2,344,113,356      -5.4
OFF-BALANCE SHEET UNUSED COMMITMENTS:
   Commercial Real Estate /1                                                  409,788,377          415,015,335      1.3          386,811,627     -6.8          345,692,047    -10.6         368,840,267      6.7
   Construction & Land Development (MBL)                                      428,905,107          447,664,876      4.4          412,773,913     -7.8          372,494,636     -9.8         308,170,640    -17.3
   Other Unfunded MBL Commitments                                             836,636,710          812,215,332     -2.9          795,379,745     -2.1          862,051,506      8.4         888,103,759      3.0
   Revolving O/E Lines 1-4 Family                                          38,501,396,087       38,091,497,358     -1.1       37,680,008,896     -1.1       37,564,840,039     -0.3      37,311,652,327     -0.7
   Credit Card Line                                                        78,385,062,702       73,661,575,058     -6.0       73,207,891,756     -0.6       71,832,416,910     -1.9      73,710,068,053      2.6
   Outstanding LOC                                                            182,057,209          131,463,325    -27.8          157,904,128     20.1          151,736,491     -3.9         148,807,185     -1.9
   Unsecured Share Draft LOC                                               10,896,613,432       10,800,166,105     -0.9       10,647,987,060     -1.4       10,359,024,449     -2.7      10,411,823,996      0.5
   Overdraft Protection Programs                                           11,220,638,240       11,558,791,969      3.0       11,527,416,425     -0.3       11,736,674,264      1.8      11,763,905,155      0.2
   Residential Construction Loans-Excluding Business Purpose                  442,450,789          447,141,846      1.1          509,104,999     13.9          454,884,819    -10.7         413,308,869     -9.1
   Federally Insured Home Equity Conversion Mortgages
      (HECM)                                                                          N/A                  N/A                           N/A                   32,463,135                    29,869,442      -8.0
   Proprietary Reverse Mortgage Products                                              N/A                  N/A                           N/A                   17,683,946                    19,390,223       9.6
   Other Unused Commitments                                                 6,001,786,870        6,879,434,722     14.6        6,761,905,968     -1.7       6,571,576,002      -2.8       6,421,528,873      -2.3
Total Unused Commitments                                                  147,305,335,523      143,244,965,926     -2.8      142,087,184,517     -0.8     140,301,538,244      -1.3     141,795,468,789       1.1
%(Unused Commitments / Cash & ST Investments)                                       95.82                97.30      1.5               100.12      2.9               94.40      -5.7               93.42      -1.0

Loans Transferred with Recourse1                                            3,851,102,747        3,687,153,009     -4.3        3,567,587,813     -3.2        3,468,943,457     -2.8       3,431,609,412     -1.1
Pending Bond Claims                                                            46,764,538           34,839,628    -25.5           27,499,418    -21.1           30,073,713      9.4         114,385,922    280.4
Other Contingent Liabilties                                                   162,979,705          108,182,449    -33.6          125,509,581     16.0           88,395,119    -29.6          61,939,749    -29.9
CREDIT AND BORROWING ARRANGEMENTS:
   Num FHLB Members                                                                   962                  979      1.8                1,008      3.0                1,010      0.2                1,012      0.2
   Num FRB Borr. Apps.                                                                395                  405      2.5                  289    -28.6                  287     -0.7                  286     -0.3
   Num FRB Pre-Pledged                                                                147                  153      4.1                  198     29.4                  199      0.5                  196     -1.5

LINES OF CREDIT (Borrowing)
  Total Credit Lines                                                      127,699,613,520      126,061,929,664     -1.3      126,562,503,678      0.4     127,041,724,969       0.4     127,310,670,293       0.2
  Total Committed Credit Lines                                              3,074,748,566        3,554,480,019     15.6        3,360,061,060     -5.5       2,551,938,047     -24.1       2,432,517,556      -4.7
  Total Credit Lines at Corporate Credit Unions                            44,889,438,278       44,292,913,172     -1.3       44,176,646,553     -0.3      45,377,311,143       2.7      45,568,298,466       0.4
  Draws Against Lines of Credit                                            17,822,166,206       17,487,750,973     -1.9       17,411,174,656     -0.4      15,534,215,727     -10.8      14,384,596,114      -7.4
BORROWINGS OUTSTANDING FROM CORPORATE
 CREDIT UNIONS
  Line of Credit Outstanding from Corporate Cus                             1,361,912,060          839,831,615    -38.3          798,502,094     -4.9          612,619,691    -23.3         389,215,221    -36.5
  Term Borrowings Outstanding from Corporate Cus                            5,151,226,999        4,648,856,470     -9.8        5,527,188,095     18.9        5,254,753,620     -4.9       1,831,009,186    -65.2
MISCELLANEOUS BORROWING INFORMATION:
Assets Pledged to Secure Borrowings                                       106,894,184,399      106,147,922,133      -0.7     106,351,013,664      0.2     108,798,898,068       2.3     108,900,517,372      0.1
Amount of Borrowings Subject to Early Repayment at
 Lenders Option                                                             3,606,581,077        3,569,050,398      -1.0       3,440,683,124     -3.6        3,294,932,508     -4.2       3,118,893,747      -5.3
# Means the number is too large to display in the cell
1
    Included MBL construction and land development prior to 03/31/09.
                                                                                                                                                                                           15.SuppShareOBS&Borr
                                                                                       Miscellaneous Information, Programs, Services
Return to cover                                                                                        For Charter : N/A
06/03/2010                                                                                            Count of CU : 7498
CU Name:      N/A                                                                                     Asset Range : N/A
Peer Group:     N/A                                                                                        Criteria : Region: Nation * Peer Group: All * Types Included: All Federally Insured Credit Unions (FICUs) *
                                                                                        Count of CU in Peer Group : N/A

                                                                                      Mar-2009             Jun-2009    % Chg             Sep-2009    % Chg             Dec-2009    % Chg             Mar-2010    % Chg
MEMBERSHIP:
   Num Current Members                                                              89,237,029            89,653,282      0.5           90,147,450      0.6           89,931,769     -0.2           90,240,990       0.3
   Num Potential Members                                                         1,318,524,127         1,333,793,898      1.2        1,355,602,878      1.6        1,368,478,889      0.9        1,403,946,941       2.6
  % Current Members to Potential Members                                                  6.77                  6.72     -0.7                 6.65     -1.1                 6.57     -1.2                 6.43      -2.2
* % Membership Growth                                                                     2.93                  2.41    -18.0                 2.35     -2.4                 1.52    -35.4                 1.38      -9.4
   Total Num Savings Accts                                                         164,243,377           165,622,197      0.8          166,063,755      0.3          166,305,594      0.1          166,776,820       0.3
EMPLOYEES:
   Num Full-Time Employees                                                              220,907             220,046      -0.4             219,110      -0.4              219,307      0.1              219,510       0.1
   Num Part-Time Employees                                                               32,946              32,401      -1.7              31,673      -2.2               31,216     -1.4               30,828      -1.2
BRANCHES:
    Num of CU Branches                                                                   21,028               21,056      0.1               20,972     -0.4               20,979      0.0               20,997       0.1
    Num of CUs Reporting Shared Branches                                                  1,582                1,588      0.4                1,180    -25.7                1,169     -0.9                1,163      -0.5
    Plan to add new branches or expand existing facilities                                  740                  681     -8.0                  118    -82.7                   91    -22.9                   87      -4.4
MISCELLANEOUS LOAN INFORMATION:
**Total Amount of Loans Granted YTD                                             66,733,511,995       142,801,235,705      7.0     208,781,370,573      -2.5     266,760,413,765      -4.2       51,247,618,452     -23.2
MEMBER SERVICE AND PRODUCT OFFERINGS
  (Credit Programs):
Business Loans                                                                             1,896               1,913      0.9                1,685    -11.9                1,722      2.2                1,740      1.0
Credit Builder                                                                               931                 957      2.8                  959      0.2                  987      2.9                  993      0.6
Debt Cancellation/Suspension                                                                 350                 354      1.1                  361      2.0                  367      1.7                  375      2.2
Direct Financing Leases                                                                       67                  65     -3.0                   55    -15.4                   54     -1.8                   55      1.9
Indirect Business Loans                                                                      175                 181      3.4                  160    -11.6                  162      1.3                  163      0.6
Indirect Consumer Loans                                                                    1,720               1,730      0.6                1,595     -7.8                1,618      1.4                1,632      0.9
Indirect Mortgage Loans                                                                      285                 296      3.9                  254    -14.2                  259      2.0                  259      0.0
Interest Only or Payment Option 1st Mortgage Loans                                           545                 546      0.2                  464    -15.0                  477      2.8                  483      1.3
Micro Business Loans                                                                         676                 674     -0.3                  653     -3.1                  670      2.6                  678      1.2
Micro Consumer Loans                                                                         963                 942     -2.2                  949      0.7                  954      0.5                  964      1.0
Overdraft Lines of Credit                                                                  3,335               3,336      0.0                3,100     -7.1                3,159      1.9                3,177      0.6
Overdraft Protection                                                                       2,779               2,783      0.1                2,812      1.0                2,867      2.0                2,884      0.6
Participation Loans                                                                        1,355               1,356      0.1                1,276     -5.9                1,296      1.6                1,318      1.7
Pay Day Loans                                                                                481                 487      1.2                  489      0.4                  498      1.8                  503      1.0
Real Estate Loans                                                                          5,322               5,308     -0.3                4,404    -17.0                4,544      3.2                4,574      0.7
Refund Anticipation Loans                                                                    131                 127     -3.1                  121     -4.7                  119     -1.7                  121      1.7
Risk Based Loans                                                                           4,167               4,177      0.2                3,922     -6.1                4,032      2.8                4,071      1.0
Share Secured Credit Cards                                                                 1,995               2,015      1.0                1,971     -2.2                2,004      1.7                2,023      0.9
MEMBER SERVICE AND PRODUCT OFFERINGS
  (Other Programs):
ATM/Debit Card Program                                                                     5,464               5,450     -0.3                4,988     -8.5                5,112      2.5                5,143      0.6
Business Share Accounts                                                                    2,476               2,538      2.5                2,358     -7.1                2,407      2.1                2,435      1.2
Check Cashing                                                                              3,533               3,573      1.1                3,553     -0.6                3,644      2.6                3,673      0.8
First Time Homebuyer Program                                                                 651                 666      2.3                  620     -6.9                  638      2.9                  648      1.6
Health Savings Accounts                                                                      678                 692      2.1                  675     -2.5                  693      2.7                  701      1.2
Individual Development Accounts                                                              132                 139      5.3                  155     11.5                  159      2.6                  161      1.3
In-School Branches                                                                           317                 311     -1.9                  312      0.3                  324      3.8                  331      2.2
Insurance/Investment Sales                                                                 1,845               1,872      1.5                1,753     -6.4                1,782      1.7                1,790      0.4
International Remittances                                                                    641                 660      3.0                  635     -3.8                  640      0.8                  649      1.4
Low Cost Wire Transfers                                                                    3,506               3,553      1.3                3,476     -2.2                3,582      3.0                3,614      0.9
MERGERS/ACQUISITIONS:
Completed Merger/Acquisition Qualfiying for
  Business Combo Acctng (FAS 141R)                                                              25                53   112.0                    77     45.3                  131     70.1                  140      6.9
Adjusted Retained Earnings Obtained through
  Business Combinations                                                              24,546,162          51,537,880    110.0            85,361,027     65.6         178,689,786    109.3          209,292,129      17.1
Fixed Assets - Capital & Operating Leases
Aggregate of Future Capital and Operating Lease Pmts
  on Fixed Assets (not discounted to PV)                                         1,607,344,141         1,575,920,067     -2.0        1,522,237,110     -3.4        1,561,074,455      2.6        1,592,716,697      2.0
* Annualization factor: March = 4; June = 2; September =4/3; December = 1 (or no annualizing)
** Amount is year-to-date and the related % change ratio is annualized.
# Means the number is too large to display in the cell
                                                                                                                                                                                                  16.MiscInfoAndServices
                                                              Information Systems & Technology
Return to cover                                                           For Charter : N/A
06/03/2010                                                               Count of CU : 7498
CU Name:      N/A                                                        Asset Range : N/A
Peer Group:     N/A                                                           Criteria : Region: Nation * Peer Group: All * Types Included: All Federally Insured Credit Unions (FICUs) *
                                                           Count of CU in Peer Group : N/A

                                                         Mar-2009             Jun-2009   % Chg              Sep-2009    % Chg              Dec-2009    % Chg             Mar-2010    % Chg

System Used to Maintain Share/Loan Records
Manual System (No Automation)                                  96                   89     -7.3                    74    -16.9                    70     -5.4                   65      -7.1
Vendor Supplied In-House System                             5,343                5,283     -1.1                 4,967     -6.0                 4,938     -0.6                4,912      -0.5
Vendor On-Line Service Bureau                               2,189                2,195      0.3                 2,200      0.2                 2,205      0.2                2,202      -0.1
CU Developed In-House System                                   44                   50     13.6                    69     38.0                    67     -2.9                   68       1.5
Other                                                          77                   74     -3.9                   104     40.5                   106      1.9                  101      -4.7

Electronic Financial Services
Home Banking Via Internet Website                           5,010                5,000     -0.2                 4,913     -1.7                 4,908     -0.1                4,907      0.0
Audio Response/Phone Based                                  4,296                4,278     -0.4                 4,263     -0.4                 4,243     -0.5                4,226     -0.4
Automatic Teller Machine (ATM)                              4,817                4,789     -0.6                 4,705     -1.8                 4,697     -0.2                4,675     -0.5
Kiosk                                                         349                  367      5.2                   350     -4.6                   348     -0.6                  344     -1.1
Mobile Banking                                                257                  326     26.8                   410     25.8                   431      5.1                  484     12.3
Other                                                         161                  168      4.3                   307     82.7                   311      1.3                  314      1.0
Services Offered Electronically
Member Application                                          1,960                1,927     -1.7                 1,906     -1.1                 1,905     -0.1                1,911       0.3
New Loan                                                    3,025                3,015     -0.3                 2,927     -2.9                 2,919     -0.3                2,919       0.0
Account Balance Inquiry                                     5,230                5,222     -0.2                 5,182     -0.8                 5,178     -0.1                5,172      -0.1
Share Draft Orders                                          4,185                4,188      0.1                 4,033     -3.7                 4,021     -0.3                4,018      -0.1
New Share Account                                           1,160                1,178      1.6                 1,183      0.4                 1,182     -0.1                1,184       0.2
Loan Payments                                               4,530                4,508     -0.5                 4,534      0.6                 4,532      0.0                4,525      -0.2
Account Aggregation                                           434                  434      0.0                   468      7.8                   474      1.3                  472      -0.4
Internet Access Services                                      847                  858      1.3                   811     -5.5                   820      1.1                  822       0.2
e-Statements                                                3,322                3,367      1.4                 3,479      3.3                 3,480      0.0                3,509       0.8
External Account Transfers                                    479                  514      7.3                   626     21.8                   633      1.1                  647       2.2
View Account History                                        5,037                5,018     -0.4                 4,992     -0.5                 4,989     -0.1                4,987       0.0
Merchandise Purchase                                          405                  407      0.5                   373     -8.4                   374      0.3                  374       0.0
Merchant Processing Services                                  181                  207     14.4                   209      1.0                   213      1.9                  219       2.8
Remote Deposit Capture                                        204                  233     14.2                   226     -3.0                   233      3.1                  248       6.4
Share Account Transfers                                     5,049                5,030     -0.4                 4,907     -2.4                 4,907      0.0                4,898      -0.2
Bill Payment                                                3,724                3,741      0.5                 3,741      0.0                 3,744      0.1                3,761       0.5
Download Account History                                    4,220                4,232      0.3                 4,251      0.4                 4,248     -0.1                4,249       0.0
Electronic Cash                                               213                  224      5.2                   217     -3.1                   221      1.8                  218      -1.4
Electronic Signature Authentification/Certification           185                  184     -0.5                   179     -2.7                   180      0.6                  181       0.6
Type of World Wide Website Address
Informational                                                  650                 642      -1.2                  603     -6.1                  604       0.2                  597      -1.2
Interactive                                                    257                 245      -4.7                  478     95.1                  473      -1.0                  476       0.6
Transactional                                                4,721               4,725       0.1                4,490     -5.0                4,493       0.1                4,490      -0.1
Number of Members That Use Transactional Website        28,716,519          29,256,615       1.9           30,037,669      2.7           30,245,564       0.7           31,235,514       3.3
No Website, But Planning to Add in the Future                  380                 360      -5.3                    0   -100.0                    0      N/A                     0      N/A
Type of World Wide Website Address Planned for Future
Informational                                                 299                  288      -3.7                   32    -88.9                    30     -6.3                   31       3.3
Interactive                                                    20                   18     -10.0                    1    -94.4                     1      0.0                    1       0.0
Transactional                                                  61                   54     -11.5                    4    -92.6                     3    -25.0                    3       0.0
Miscellaneous
Internet Access                                             7,031                6,992      -0.6                7,087      1.4                 7,081     -0.1                7,059      -0.3

                                                                                                                                                                                     17.IS&T
                                                                                                              Graphs 1
Return to cover                                                                                      For Charter : N/A
06/03/2010                                                                                          Count of CU : 7498
CU Name:      N/A                                                                                   Asset Range : N/A
Peer Group:     N/A                                                                                      Criteria : Region: Nation * Peer Group: All * Types Included: All Federally Insured Credit
                                                                                      Count of CU in Peer Group : N/A


                             Delinquency & Net Charge-Offs                                                                                           Net Worth To Assets
            Delinquency & Net Charge-Offs
            Charge Offs Due To Bankruptcy (YTD) / Total Charge Offs (YTD)                                          Net Worth To Assets
      2.0                            03/09          06/09            09/09             12/09           03/10         12.0            03/09           06/09           09/09            12/09         03/10
      1.8
      1.6                         1.46
            Delinquent loans / loans                  1.60             1.69             1.83               1.76    Net Worth / Assets
                                                                                                                     10.0                9.66        10.03           10.05                 9.90      9.87
      1.4                        1.10
            Net Charge-offs / Averge Assets           1.15             1.17             1.21               1.19    Peer                  0.00         0.00             0.00                0.00      0.00
      1.2                                                                                                              8.0
            Peer Delinquency          0.00            0.00             0.00             0.00               0.00
      1.0
            Peer Net Charge-offs 0.00                 0.00             0.00             0.00               0.00       6.0
      0.8
      0.6                                                                                                             4.0
      0.4
      0.2                                                                                                             2.0
      0.0
                 03/09                06/09              09/09                12/09              03/10                0.0
                                                                                                                                 03/09           06/09               09/09                 12/09           03/10
                  Delinquent loans / loans                               Net Charge-offs / Averge Assets

                  Peer Delinquency                                       Peer Net Charge-offs                                                              Net Worth / Assets               Peer




                                             Loan & Share Growth                                                                                 Return On Average Assets
            Loan & Share Growth                                                                                    Return On Average Assets
                                Year
           Current Period_Prior03/09        06/09         09/09         12/09                          03/10                          03/09        06/09             09/09            12/09         03/10
       30.0Loan Growth Current-0.58
                                Period_Prior Year / Prior Year (annualized)
                                             1.43           2.24         1.15                              -4.76        1.0           -1.63         0.27
                                                                                                                   Net Income / Average Assets (annualized)            0.28                0.18      0.48
       25.0Share Growth Current Period_Prior Year / Prior 11.21 (annualized)
                               25.45        15.97          Year         10.50                          10.94       Peer                  0.00         0.00             0.00                0.00      0.00
       20.0Peer Share                                                                                                     0.5
                                0.00         0.00           0.00         0.00                              0.00
       15.0
           Peer Loan            0.00         0.00           0.00         0.00                              0.00
       10.0                                                                                                               0.0
        5.0                                                                                                                      03/09            06/09               09/09                 12/09          03/10
        0.0                                                                                                           -0.5
       -5.0       03/09          06/09           09/09            12/09                           03/10
                                                                                                                      -1.0
      -10.0

                                                                                                                      -1.5
                             Loan Growth Current Period_Prior Year / Prior Year (annualized)

                             Share Growth Current Period_Prior Year / Prior Year (annualized)                         -2.0
                             Peer Share

                             Peer Loan                                                                                                          Net Income / Average Assets (annualized)            Peer




                                                                                                                                                                                                             18. Graphs 1
                                                                                                              Graphs 2
Return to cover                                                                                      For Charter : N/A
06/03/2010                                                                                          Count of CU : 7498
CU Name:      N/A                                                                                   Asset Range : N/A
Peer Group:     N/A                                                                                      Criteria : Region: Nation * Peer Group: All * Types Included: All Federally Insured Credit
                                                                                      Count of CU in Peer Group : N/A


                                             Loans To Assets                                                                                Net Long Term Assets to Assets
             Loans To Assets                                                                                       Net Long Term Assets to Assets
                                     03/09           06/09            09/09              12/09        03/10                          03/09          06/09           09/09            12/09              03/10
      70.0 Loans / Assets            66.01           65.51            65.85              64.72        63.02          35.0            30.38
                                                                                                                   Net Long -Term Assets / Assets   31.04           31.25            31.57              31.88
      60.0 Peer                       0.00             0.00            0.00               0.00            0.00       30.0
                                                                                                                   Peer                0.00          0.00             0.00              0.00              0.00
      50.0                                                                                                           25.0

      40.0                                                                                                           20.0

      30.0                                                                                                           15.0

      20.0                                                                                                           10.0

      10.0                                                                                                            5.0

       0.0                                                                                                            0.0
                    03/09             06/09               09/09               12/09              03/10                           03/09          06/09               09/09               12/09                  03/10

                                                   Loans / Assets             Peer                                                                  Net Long -Term Assets / Assets               Peer




                                   Net Interest Margin (NIM)                                                                          Cash & Short-Term Investments To Assets
             Net Interest Margin (NIM)                                                                             Cash & Short-Term Investments To Assets
                                     03/09           06/09            09/09              12/09        03/10                           03/09        06/09            09/09            12/09              03/10
    3.5      NIM=(Net Interest Income-Interest Expense)/Avg 3.20
                                  3.12          3.14        Assets(annualized)
                                                                        3.21                              3.24       20.0             17.95        16.92
                                                                                                                   Cash & Short-Term Investments / Assets           16.24            16.80              16.91
    3.0      Peer                     0.00             0.00            0.00               0.00            0.00
                                                                                                                     18.0
                                                                                                                   Peer                0.00         0.00              0.00              0.00              0.00
                                                                                                                     16.0
    2.5
                                                                                                                     14.0
    2.0                                                                                                              12.0
    1.5                                                                                                              10.0
    1.0                                                                                                               8.0
                                                                                                                      6.0
    0.5
                                                                                                                      4.0
    0.0                                                                                                               2.0
               03/09               06/09                09/09               12/09                03/10                0.0
                                                                                                                                 03/09          06/09               09/09                12/09                 03/10
                     NIM=(Net Interest Income-Interest Expense)/Avg Assets(annualized)             Peer
                                                                                                                                               Cash & Short-Term Investments / Assets                   Peer




                                                                                                                                                                                                                  19. Graphs 2

				
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posted:11/14/2010
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Description: Rankings of Federal Credit Unions document sample