Credit Union Index...2020/03/31 · 0.00% 0.10% 0.20% 0.30% 0.40% 0.50% 0.60% 0.70% 0.80% 12/1/2017 1/1/2018 2/1/2018 3/1/2018 4/1/2018 5/1/2018 6/1/2018 7/1/2018 8/1/2018 9/1/2018

Credit Union IndexA N A N A L Y S I S O F C A L I F O R N I A C R E D I T U N I O N S

Credit Union Index

The Credit Union Index is published by the

California offices of Moss Adams. For more

information on the data presented in this report,

contact [email protected].

Northern California

F R E S N O

265 East River Park Circle Suite 110Fresno, CA 93270(559) 389-5700

S A N F R A N C I S C O

101 Second StreetSuite 900San Francisco, CA 94105(415) 956-1500

S T O C K T O N

3121 West March LaneSuite 200Stockton, CA 95219(209) 955-6100

N A P A

1000 Main StreetSuite 280Napa, CA 94559(707) 255-1059

S A N T A R O S A

3558 Round Barn BoulevardSuite 300Santa Rosa, CA 95403(707) 527-0800

W A L N U T C R E E K

1333 N. California Boulevard Suite 350Walnut Creek, CA 94596(925) 952-2500

S A C R A M E N T O

2882 Prospect Park Drive Suite 300Rancho Cordova, CA 95670(916) 503-8100

S I L I C O N V A L L E Y

635 Campbell Technology ParkwayCampbell, CA 95008(408) 558-7500

Southern California

L O S A N G E L E S

10960 Wilshire BoulevardSuite 1100Los Angeles, CA 90024(310) 477-0450

O R A N G E C O U N T Y

2040 Main StreetSuite 900Irvine, CA 92614(949) 221-4000

S A N D I E G O

4747 Executive DriveSuite 1300San Diego, CA 92121(858) 627-1400

W O O D L A N D H I L L S

21700 Oxnard StreetSuite 300Woodland Hills, CA 91367(818) 577-1900

Credit Union Index

California counties included in the data:

Northern Southern

AlamedaAlpineAmadorButteCalaverasColusaContra CostaDel NorteEl DoradoFresnoGlennHumboldtInyoKingsLakeLassenMaderaMarinMariposaMendocinoMercedModocMonoMonterey

NapaNevadaPlacerPlumasSacramentoSan BenitoSan FranciscoSan JoaquinSan MateoSanta ClaraSanta CruzShastaSierraSiskiyouSolanoSonomaStanislausSutterTehamaTrinityTulareTuolumneYoloYuba

ImperialKernLos AngelesOrangeRiversideSan BernardinoSan DiegoSan Luis ObispoSanta BarbaraVentura

A S S E T S I Z E D E F I N I T I O N

Group A $0–$250 million

Group B $251 million–$500 million

Group C $501 million–$1 billion

Group D Over $1 billion

Northern California

Performance Analysis

Performance Analysis Run Date: June 4, 2020March 31, 2020

Summary Trends of Historical Asset Group Averages: Return on Average Assets

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12/31/17 3/31/18 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20Return on Avg Assets 0.46% 0.48% 0.45% 0.54% 0.59% 0.62% 0.66% 0.67% 0.76% 0.48%

Asset Group A ‐ $50 to $250 million in Total Assets Year‐to‐Date

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Asset Group B ‐ $251 to $500 million in Total AssetsYear‐to‐Date

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Asset Group C ‐ $501 to $1 billion in Total Assets Year‐to‐Date

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Asset Group D ‐ $1 billion and Over in Total Assets Year‐to‐Date

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Performance Graph-N Page 3 of 49


Summary Trends of Historical Asset Group Averages: Return on Average Net Worth

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12/31/17 3/31/18 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20Return on Avg Net Worth 4.34% 4.94% 4.18% 5.04% 5.48% 5.51% 6.14% 6.28% 8.68% 4.52%


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NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Performance Graph-N Page 4 of 49

Performance Analysis Run Date: June 4, 2020As of Date

Total Assets ($000)

Net Income (Loss) ($000)

Return on Avg Assets (%)

Return on Avg Net Worth (%)

Oper Exp/ Oper Rev (%)

Salary&Benefits/ Employees ($000)






Region Institution Name

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

Mokelumne Federal Credit Union $51,305 $50 0.39% 2.79% 90.46% $60 $50 0.39% 2.79% 90.46% $60Valley Oak Credit Union $54,031 ($38) (0.29%) (3.10%) 96.15% $59 ($38) (0.29%) (3.10%) 96.15% $59Chabot Federal Credit Union $65,629 $35 0.21% 1.28% 91.37% $125 $35 0.21% 1.28% 91.37% $125California Community Credit Union $66,373 $23 0.14% 1.08% 95.56% $65 $23 0.14% 1.08% 95.56% $65Menlo Survey Federal Credit Union $66,516 $92 0.56% 3.94% 79.79% $97 $92 0.56% 3.94% 79.79% $97Kaiperm Federal Credit Union $73,462 ($38) (0.21%) (1.63%) 106.95% $86 ($38) (0.21%) (1.63%) 106.95% $86Marin County Federal Credit Union $73,889 $136 0.75% 6.15% 69.83% $87 $136 0.75% 6.15% 69.83% $87Polam Federal Credit Union $74,229 $82 0.44% 3.34% 85.99% $77 $82 0.44% 3.34% 85.99% $77Bay Cities Credit Union $74,299 $76 0.41% 4.21% 86.87% $72 $76 0.41% 4.21% 86.87% $72Upward Credit Union $79,761 $87 0.44% 4.06% 88.29% $97 $87 0.44% 4.06% 88.29% $97Siskiyou Central Credit Union $80,090 $88 0.45% 4.38% 63.05% $52 $88 0.45% 4.38% 63.05% $52North Bay Credit Union $80,706 $1,103 5.92% 63.49% 22.51% $90 $1,103 5.92% 63.49% 22.51% $90Lassen County Federal Credit Union $83,811 $62 0.30% 1.90% 89.25% $87 $62 0.30% 1.90% 89.25% $87Shell Western States Federal Credit Union $83,864 $70 0.34% 3.06% 83.98% $112 $70 0.34% 3.06% 83.98% $112Vision One Credit Union $91,451 $76 0.34% 2.54% 78.99% $168 $76 0.34% 2.54% 78.99% $168First California Federal Credit Union $92,411 ($82) (0.36%) (3.73%) 85.73% $67 ($82) (0.36%) (3.73%) 85.73% $67SMW 104 Federal Credit Union $97,135 $193 0.76% 8.85% 77.48% $136 $193 0.76% 8.85% 77.48% $136Tulare County Federal Credit Union $102,028 ($191) (0.75%) (10.08%) 112.38% $94 ($191) (0.75%) (10.08%) 112.38% $94SRI Federal Credit Union $112,198 $155 0.56% 6.29% 77.53% $117 $155 0.56% 6.29% 77.53% $117United Local Credit Union $112,225 $96 0.34% 1.95% 89.74% $79 $96 0.34% 1.95% 89.74% $79Mission City Federal Credit Union $112,807 ($61) (0.22%) (2.62%) 93.67% $118 ($61) (0.22%) (2.62%) 93.67% $118Cooperative Center Federal Credit Union $118,789 ($80) (0.27%) (3.81%) 101.74% $100 ($80) (0.27%) (3.81%) 101.74% $100Merco Credit Union $121,636 $132 0.44% 4.35% 82.96% $73 $132 0.44% 4.35% 82.96% $73Kings Federal Credit Union $128,481 $197 0.62% 4.28% 72.92% $77 $197 0.62% 4.28% 72.92% $77Vocality Community Credit Union $131,907 $228 0.70% 6.44% 81.67% $73 $228 0.70% 6.44% 81.67% $73Santa Cruz Community Credit Union $133,888 $261 0.80% 9.80% 82.71% $87 $261 0.80% 9.80% 82.71% $87San Joaquin Power Employees Credit Union $141,933 $128 0.36% 2.14% 79.76% $231 $128 0.36% 2.14% 79.76% $231Solano First Federal Credit Union $147,218 $1 0.00% 0.05% 99.67% $78 $1 0.00% 0.05% 99.67% $78Central Coast Federal Credit Union $149,076 $178 0.48% 5.41% 89.22% $88 $178 0.48% 5.41% 89.22% $88Compass Community Credit Union $149,340 ($148) (0.40%) (2.89%) 110.58% $107 ($148) (0.40%) (2.89%) 110.58% $107Premier Community Credit Union $158,170 $122 0.31% 3.11% 88.88% $63 $122 0.31% 3.11% 88.88% $63Families & Schools Together Federal Credit Union $186,377 $869 1.92% 14.32% 59.73% $68 $869 1.92% 14.32% 59.73% $68Central State Credit Union $204,852 $408 0.80% 8.96% 74.20% $68 $408 0.80% 8.96% 74.20% $68Heritage Community Credit Union $212,173 ($94) (0.18%) (1.83%) 82.29% $94 ($94) (0.18%) (1.83%) 82.29% $94C.A.H.P. Credit Union $221,077 $349 0.64% 6.98% 88.00% $122 $349 0.64% 6.98% 88.00% $122Pacific Postal Credit Union $226,160 $213 0.38% 2.49% 73.54% $101 $213 0.38% 2.49% 73.54% $101Members 1st Credit Union $236,083 $372 0.64% 6.59% 80.83% $74 $372 0.64% 6.59% 80.83% $74Tucoemas Federal Credit Union $249,316 $348 0.57% 7.08% 69.52% $52 $348 0.57% 7.08% 69.52% $52

Average of Asset Group A $122,229 $145 0.48% 4.52% 83.78% $92 $145 0.48% 4.52% 83.78% $92

Quarter to Date Year to Date

March 31, 2020



NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Performance Data-N Page 5 of 49


Total Assets ($000)













March 31, 2020

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

Monterey Credit Union $257,311 $191 0.30% 2.07% 82.80% $93 $191 0.30% 2.07% 82.80% $93Yolo Federal Credit Union $304,959 $627 0.83% 6.40% 78.15% $80 $627 0.83% 6.40% 78.15% $80MOCSE Federal Credit Union $319,248 $282 0.36% 3.72% 84.22% $79 $282 0.36% 3.72% 84.22% $79Sea West Coast Guard Federal Credit Union $373,824 $216 0.23% 1.16% 89.11% $97 $216 0.23% 1.16% 89.11% $97First U.S. Community Credit Union $411,746 $1,022 1.00% 8.17% 66.01% $88 $1,022 1.00% 8.17% 66.01% $88PremierOne Credit Union $447,245 $247 0.23% 2.16% 90.59% $98 $247 0.23% 2.16% 90.59% $98SafeAmerica Credit Union $484,517 $572 0.48% 6.23% 72.20% $107 $572 0.48% 6.23% 72.20% $107UNCLE Credit Union $493,320 ($1,197) (0.98%) (10.88%) 106.50% $161 ($1,197) (0.98%) (10.88%) 106.50% $161

Average of Asset Group B $386,521 $245 0.31% 2.38% 83.70% $100 $245 0.31% 2.38% 83.70% $100

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

Sacramento Credit Union $511,470 $1,231 0.97% 6.41% 70.57% $83 $1,231 0.97% 6.41% 70.57% $83Financial Center Credit Union $538,387 $740 0.56% 2.73% 74.70% $75 $740 0.56% 2.73% 74.70% $75Commonwealth Central Credit Union $540,883 $640 0.48% 4.61% 83.69% $107 $640 0.48% 4.61% 83.69% $107Excite Credit Union $551,819 ($553) (0.42%) (4.43%) 94.50% $90 ($553) (0.42%) (4.43%) 94.50% $90Merced School Employees Federal Credit Union $552,643 $977 0.72% 6.32% 78.44% $68 $977 0.72% 6.32% 78.44% $68Community First Credit Union $566,326 $1,601 1.15% 11.28% 69.22% $77 $1,601 1.15% 11.28% 69.22% $77Valley First Credit Union $623,730 $808 0.53% 4.88% 75.65% $74 $808 0.53% 4.88% 75.65% $741st Northern California Credit Union $732,919 $373 0.20% 1.89% 88.24% $78 $373 0.20% 1.89% 88.24% $78Santa Clara County Federal Credit Union $797,130 $848 0.42% 4.56% 82.93% $133 $848 0.42% 4.56% 82.93% $133Noble Federal Credit Union $811,674 ($348) (0.18%) (1.50%) 78.33% $92 ($348) (0.18%) (1.50%) 78.33% $92Police Credit Union of California $964,683 $226 0.09% 0.66% 92.51% $128 $226 0.09% 0.66% 92.51% $128

Average of Asset Group C $653,788 $595 0.41% 3.40% 80.80% $91 $595 0.41% 3.40% 80.80% $91





Total Assets ($000)













March 31, 2020

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

Bay Federal Credit Union $1,137,252 $1,993 0.71% 7.66% 78.93% $100 $1,993 0.71% 7.66% 78.93% $100Sierra Central Credit Union $1,139,861 $2,149 0.75% 6.80% 69.79% $87 $2,149 0.75% 6.80% 69.79% $871st United Services Credit Union $1,159,559 $731 0.26% 2.54% 85.89% $111 $731 0.26% 2.54% 85.89% $111San Francisco Federal Credit Union $1,183,597 $1,535 0.54% 4.81% 81.39% $151 $1,535 0.54% 4.81% 81.39% $151Operating Engineers Local Union #3 Federal Credit Union $1,188,794 $1,500 0.51% 3.29% 72.36% $105 $1,500 0.51% 3.29% 72.36% $105Pacific Service Credit Union $1,192,562 $1,244 0.42% 2.84% 84.63% $143 $1,244 0.42% 2.84% 84.63% $143San Mateo Credit Union $1,227,945 $3,413 1.14% 9.97% 71.91% $110 $3,413 1.14% 9.97% 71.91% $110Self-Help Federal Credit Union $1,246,907 $794 0.26% 4.75% 74.87% $74 $794 0.26% 4.75% 74.87% $74KeyPoint Credit Union $1,341,367 $336 0.10% 1.23% 87.93% $131 $336 0.10% 1.23% 87.93% $131San Francisco Fire Credit Union $1,439,467 $1,081 0.30% 3.31% 96.58% $122 $1,081 0.30% 3.31% 96.58% $122Coast Central Credit Union $1,640,757 $2,799 0.70% 5.64% 67.36% $78 $2,799 0.70% 5.64% 67.36% $78Meriwest Credit Union $1,772,637 $1,784 0.41% 5.57% 81.19% $138 $1,784 0.41% 5.57% 81.19% $138Provident Credit Union $2,875,770 $2,982 0.42% 3.67% 86.03% $127 $2,982 0.42% 3.67% 86.03% $127Stanford Federal Credit Union $3,101,503 $7,352 0.97% 10.03% 60.19% $146 $7,352 0.97% 10.03% 60.19% $146Technology Credit Union $3,146,525 $7,613 0.98% 9.20% 58.04% $142 $7,613 0.98% 9.20% 58.04% $142SAFE Credit Union $3,210,896 $6,271 0.80% 7.99% 71.83% $96 $6,271 0.80% 7.99% 71.83% $96Educational Employees Credit Union $3,381,081 $7,395 0.90% 6.57% 70.12% $77 $7,395 0.90% 6.57% 70.12% $77Travis Credit Union $3,647,386 ($790) (0.09%) (0.80%) 88.34% $96 ($790) (0.09%) (0.80%) 88.34% $96Chevron Federal Credit Union $3,751,937 ($19,336) (2.11%) (19.99%) NA $123 ($19,336) (2.11%) (19.99%) NA $123Redwood Credit Union $5,173,207 $16,274 1.28% 10.20% 58.54% $106 $16,274 1.28% 10.20% 58.54% $106Patelco Credit Union $7,507,377 $15,225 0.82% 7.85% 66.05% $117 $15,225 0.82% 7.85% 66.05% $117Star One Credit Union $9,362,549 $15,202 0.66% 5.32% 45.95% $126 $15,202 0.66% 5.32% 45.95% $126Golden 1 Credit Union $13,854,012 $20,473 0.61% 5.30% 68.45% $88 $20,473 0.61% 5.30% 68.45% $88

Average of Asset Group D $3,247,085 $4,262 0.49% 4.51% 73.93% $113 $4,262 0.49% 4.51% 73.93% $113




Balance Sheet & Net Interest Margin

Balance Sheet & Net Interest Margin Run Date: June 4, 2020March 31, 2020

Summary Trends of Historical Asset Group Averages: Yield on Avg. Assets & Net Interest Income/ Avg Assets (%)

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12/31/17 3/31/18 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20Yield on Avg Assets 3.19% 3.27% 3.32% 3.38% 3.44% 3.56% 3.59% 3.62% 3.62% 3.51%Net Interest Income/ Avg Assets 2.93% 3.00% 3.04% 3.09% 3.14% 3.19% 3.22% 3.24% 3.24% 3.10%


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12/31/17 3/31/18 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20Yield of Avg Assets 3.22% 3.36% 3.38% 3.45% 3.51% 3.65% 3.66% 3.67% 3.67% 3.52%Net Interest Income/ Avg Assets 2.73% 2.80% 2.81% 2.85% 2.89% 2.91% 2.93% 2.92% 2.89% 2.75%





NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. BS & NIM Graph-N Page 9 of 49


Summary Trends of Historical Asset Group Averages: Asset Growth Rate & Market Growth Rate

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12/31/17 3/31/18 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20Asset Growth Rate 4.17% 10.86% 5.75% 4.32% 3.91% 7.66% 3.73% 4.06% 3.42% 9.24%Market Growth Rate 4.29% 12.77% 5.46% 3.87% 3.62% 7.59% 2.86% 3.21% 2.49% 9.73%


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NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. BS & NIM Graph-N Page 10 of 49

Balance Sheet & Net Interest Margin Run Date: June 4, 2020

Total Assets ($000) Total Lns &

Leases ($000) Total Shares & Deposits ($000)

Total Loans/ Total Shares (%)

Assets/ FTE Employees ($000)

Yield on Avg Assets (%)

Interest Expense/ Avg Assets (%)

Net Interest Income/ Avg Assets (%)

Asset Growth Rate (%)

Market Growth Rate (%)



Mokelumne Federal Credit Union $51,305 $25,730 $43,922 58.58% $3,310 3.18% 0.14% 3.03% 8.61% 9.41%Valley Oak Credit Union $54,031 $37,711 $48,868 77.17% $2,456 3.85% 0.17% 3.67% 17.50% 19.45%Chabot Federal Credit Union $65,629 $19,462 $54,443 35.75% $8,751 2.80% 0.37% 2.42% (7.08%) (11.27%)California Community Credit Union $66,373 $25,473 $57,038 44.66% $4,282 2.68% 0.27% 2.41% 9.64% 6.82%Menlo Survey Federal Credit Union $66,516 $26,621 $56,755 46.91% $9,502 2.96% 0.27% 2.69% 12.82% 13.15%Kaiperm Federal Credit Union $73,462 $53,478 $63,961 83.61% $5,066 3.19% 0.43% 2.76% 5.91% 10.09%Marin County Federal Credit Union $73,889 $24,677 $64,570 38.22% $9,236 3.02% 0.14% 2.89% 12.41% 10.27%Polam Federal Credit Union $74,229 $41,325 $64,112 64.46% $5,119 2.99% 0.40% 2.59% (1.93%) (2.98%)Bay Cities Credit Union $74,299 $25,299 $66,762 37.89% $3,715 3.58% 0.02% 3.56% 4.23% 4.56%Upward Credit Union $79,761 $47,293 $70,689 66.90% $4,985 3.56% 0.30% 3.26% 3.85% 3.67%Siskiyou Central Credit Union $80,090 $60,678 $71,742 84.58% $3,337 4.50% 0.20% 4.30% 22.37% 24.65%North Bay Credit Union $80,706 $54,058 $72,759 74.30% $2,603 4.22% 0.78% 3.44% 72.96% 74.25%Lassen County Federal Credit Union $83,811 $42,132 $70,148 60.06% $5,587 2.86% 0.54% 2.32% 4.45% 3.75%Shell Western States Federal Credit Union $83,864 $32,964 $73,814 44.66% $7,624 3.01% 0.24% 2.77% 13.34% 12.36%Vision One Credit Union $91,451 $72,876 $73,759 98.80% $8,710 4.23% 1.06% 3.18% 25.81% 4.42%First California Federal Credit Union $92,411 $46,290 $83,415 55.49% $4,739 3.26% 0.47% 2.80% 3.99% 5.41%SMW 104 Federal Credit Union $97,135 $30,380 $86,883 34.97% $10,793 3.08% 0.35% 2.73% (32.45%) (40.73%)Tulare County Federal Credit Union $102,028 $70,100 $93,680 74.83% $3,291 3.58% 0.22% 3.35% 5.27% 15.00%SRI Federal Credit Union $112,198 $84,621 $93,460 90.54% $10,200 3.41% 0.99% 2.41% 5.79% 7.30%United Local Credit Union $112,225 $68,056 $92,071 73.92% $4,008 3.64% 0.24% 3.40% 4.27% 4.97%Mission City Federal Credit Union $112,807 $75,735 $102,907 73.60% $6,636 3.69% 0.66% 3.03% 5.80% 8.21%Cooperative Center Federal Credit Union $118,789 $66,315 $109,355 60.64% $4,569 3.33% 0.20% 3.13% (4.89%) 3.70%Merco Credit Union $121,636 $71,406 $108,788 65.64% $3,578 3.69% 0.20% 3.49% 9.61% 10.81%Kings Federal Credit Union $128,481 $79,409 $109,487 72.53% $7,558 3.59% 0.52% 3.06% 12.84% 16.05%Vocality Community Credit Union $131,907 $105,068 $111,864 93.92% $3,298 4.33% 0.67% 3.66% 6.25% 5.38%Santa Cruz Community Credit Union $133,888 $112,014 $121,705 92.04% $2,849 4.99% 0.19% 4.80% 26.53% 40.11%San Joaquin Power Employees Credit Union $141,933 $101,172 $117,214 86.31% $23,656 3.17% 1.67% 1.49% (4.80%) 0.52%Solano First Federal Credit Union $147,218 $75,799 $138,271 54.82% $4,033 3.46% 0.07% 3.40% 17.17% 18.01%Central Coast Federal Credit Union $149,076 $76,944 $134,284 57.30% $3,774 3.52% 0.24% 3.28% 4.19% 3.60%Compass Community Credit Union $149,340 $97,272 $128,697 75.58% $5,744 2.92% 0.53% 2.40% 8.92% 10.72%Premier Community Credit Union $158,170 $71,428 $141,560 50.46% $3,228 2.97% 0.15% 2.84% 8.31% 13.88%Families & Schools Together Federal Credit Union $186,377 $139,552 $156,303 89.28% $4,438 4.03% 0.30% 3.74% 22.62% 22.49%Central State Credit Union $204,852 $90,369 $185,279 48.77% $4,181 3.10% 0.13% 2.97% 7.43% 5.04%Heritage Community Credit Union $212,173 $181,694 $190,870 95.19% $5,511 3.56% 0.44% 3.12% (8.18%) (8.37%)C.A.H.P. Credit Union $221,077 $180,667 $198,051 91.22% $7,132 4.59% 0.95% 3.64% 15.22% 17.12%Pacific Postal Credit Union $226,160 $75,676 $189,899 39.85% $7,180 3.07% 0.45% 2.62% 3.49% 1.73%Members 1st Credit Union $236,083 $191,379 $210,657 90.85% $4,254 3.43% 0.31% 3.11% 9.54% 7.09%Tucoemas Federal Credit Union $249,316 $154,350 $225,924 68.32% $3,613 4.17% 0.14% 4.03% 19.46% 19.14%

Average of Asset Group A $122,229 $74,618 $107,473 67.17% $5,856 3.51% 0.41% 3.10% 9.24% 9.73%

As of Date Year to Date

March 31, 2020



NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. BS & NIM Data-N Page 11 of 49













March 31, 2020


Monterey Credit Union $257,311 $150,870 $216,952 69.54% $3,840 3.69% 0.22% 3.47% 13.47% 14.66%Yolo Federal Credit Union $304,959 $223,861 $263,117 85.08% $5,083 3.56% 0.08% 3.49% 8.49% 7.93%MOCSE Federal Credit Union $319,248 $134,469 $282,838 47.54% $3,917 2.93% 0.02% 2.91% 17.33% 11.39%Sea West Coast Guard Federal Credit Union $373,824 $162,901 $297,404 54.77% $8,496 2.87% 0.98% 1.90% (1.27%) (3.32%)First U.S. Community Credit Union $411,746 $254,593 $358,169 71.08% $6,055 3.77% 0.50% 3.27% 2.25% 0.84%PremierOne Credit Union $447,245 $301,005 $399,732 75.30% $5,170 3.63% 0.43% 3.19% 16.94% 18.93%SafeAmerica Credit Union $484,517 $396,057 $445,017 89.00% $7,232 3.84% 0.89% 2.96% 10.93% 11.98%UNCLE Credit Union $493,320 $410,987 $434,460 94.60% $5,276 3.91% 0.30% 3.61% 9.97% 12.32%

Average of Asset Group B $386,521 $254,343 $337,211 73.36% $5,634 3.53% 0.43% 3.10% 9.76% 9.34%


Sacramento Credit Union $511,470 $296,781 $430,155 68.99% $5,166 3.06% 0.36% 2.70% 9.97% 9.37%Financial Center Credit Union $538,387 $155,289 $417,409 37.20% $5,789 3.17% 0.21% 2.95% 15.01% 14.64%Commonwealth Central Credit Union $540,883 $413,225 $478,864 86.29% $4,917 3.78% 0.26% 3.52% 8.20% 9.33%Excite Credit Union $551,819 $440,733 $489,947 89.96% $4,542 3.58% 0.61% 3.24% 29.58% 35.11%Merced School Employees Federal Credit Union $552,643 $221,935 $487,168 45.56% $4,605 2.98% 0.25% 2.73% 17.25% 15.49%Community First Credit Union $566,326 $445,152 $504,607 88.22% $3,801 4.24% 0.48% 3.77% 14.88% 16.32%Valley First Credit Union $623,730 $452,661 $550,035 82.30% $4,362 3.80% 0.17% 3.63% 20.61% 29.71%1st Northern California Credit Union $732,919 $247,918 $649,098 38.19% $9,337 2.31% 0.56% 1.74% 2.58% 3.02%Santa Clara County Federal Credit Union $797,130 $500,850 $689,265 72.66% $5,949 3.45% 0.38% 3.07% (4.94%) 12.47%Noble Federal Credit Union $811,674 $593,678 $712,106 83.37% $4,089 4.27% 0.46% 3.81% 17.72% 20.39%Police Credit Union of California $964,683 $661,341 $819,920 80.66% $8,107 3.33% 0.50% 2.82% 11.00% 11.78%

Average of Asset Group C $653,788 $402,688 $566,234 70.31% $5,515 3.45% 0.39% 3.09% 12.90% 16.15%
















March 31, 2020


Bay Federal Credit Union $1,137,252 $730,750 $1,019,225 71.70% $5,181 3.23% 0.30% 3.14% 12.22% 13.56%Sierra Central Credit Union $1,139,861 $813,416 $1,004,938 80.94% $5,830 3.91% 0.68% 3.24% 0.37% 1.06%1st United Services Credit Union $1,159,559 $847,054 $1,040,363 81.42% $7,654 3.46% 0.98% 2.48% 13.50% 14.29%San Francisco Federal Credit Union $1,183,597 $770,625 $1,046,701 73.62% $10,568 3.24% 0.51% 2.72% 26.71% 29.46%Operating Engineers Local Union #3 Federal Credit Union $1,188,794 $779,889 $955,976 81.58% $6,034 3.97% 0.62% 3.35% 2.53% 2.41%Pacific Service Credit Union $1,192,562 $804,421 $1,000,184 80.43% $8,737 3.37% 0.56% 2.81% 8.79% 9.54%San Mateo Credit Union $1,227,945 $1,043,104 $1,084,060 96.22% $6,005 3.80% 0.48% 3.32% 22.64% 24.42%Self-Help Federal Credit Union $1,246,907 $1,018,781 $930,270 109.51% $3,965 5.17% 1.38% 3.80% 13.72% 13.23%KeyPoint Credit Union $1,341,367 $1,032,561 $1,073,109 96.22% $7,776 3.22% 0.58% 2.63% 14.28% 10.67%San Francisco Fire Credit Union $1,439,467 $1,084,910 $1,297,370 83.62% $5,645 3.60% 0.40% 3.19% 11.71% 12.71%Coast Central Credit Union $1,640,757 $716,627 $1,343,195 53.35% $6,738 3.05% 0.93% 2.12% 16.15% 9.07%Meriwest Credit Union $1,772,637 $1,339,935 $1,415,390 94.67% $7,674 3.53% 0.85% 2.68% 22.42% 26.28%Provident Credit Union $2,875,770 $1,958,742 $2,525,175 77.57% $8,584 3.04% 0.84% 2.19% 11.44% 11.99%Stanford Federal Credit Union $3,101,503 $2,053,597 $2,402,551 85.48% $15,392 3.33% 1.00% 2.33% 21.66% 16.88%Technology Credit Union $3,146,525 $2,378,389 $2,780,609 85.53% $12,511 3.97% 0.91% 3.06% 13.26% 10.89%SAFE Credit Union $3,210,896 $2,472,975 $2,813,730 87.89% $4,510 3.42% 0.67% 2.76% 14.58% 16.74%Educational Employees Credit Union $3,381,081 $1,603,539 $2,877,775 55.72% $6,349 3.07% 0.46% 2.61% 20.81% 20.27%Travis Credit Union $3,647,386 $2,686,156 $3,119,668 86.10% $5,098 4.05% 0.62% 3.42% 33.57% 25.88%Chevron Federal Credit Union $3,751,937 $3,010,964 $3,325,734 90.54% $12,590 3.52% 1.35% 2.17% 19.76% 22.06%Redwood Credit Union $5,173,207 $4,079,234 $4,495,402 90.74% $7,820 3.73% 0.61% 3.12% 14.76% 16.00%Patelco Credit Union $7,507,377 $5,498,944 $6,292,843 87.38% $10,091 3.30% 1.07% 2.22% 11.90% 10.60%Star One Credit Union $9,362,549 $4,448,949 $7,634,908 58.27% $43,145 2.69% 1.42% 1.28% 12.73% 8.95%Golden 1 Credit Union $13,854,012 $8,704,921 $12,132,469 71.75% $7,280 3.22% 0.55% 2.69% 26.48% 28.02%

Average of Asset Group D $3,247,085 $2,168,630 $2,765,724 81.75% $9,356 3.52% 0.77% 2.75% 15.91% 15.43%




Asset Quality

Asset Quality Run Date: June 4, 2020March 31, 2020

Summary Trends of Historical Asset Group Averages: Non-Performing Loans/Loans, Reserves/Loans & Delinquent Loans/Total Assets

0.00%

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7

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12/31/17 3/31/18 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20NPLs/Loans 0.50% 0.44% 0.47% 0.48% 0.49% 0.53% 0.52% 0.51% 0.47% 0.51%Reserves/Loans 0.89% 0.90% 0.89% 0.89% 0.87% 0.85% 0.86% 0.87% 0.85% 0.85%Delinquent Loans/Assets 0.31% 0.26% 0.28% 0.29% 0.31% 0.33% 0.32% 0.31% 0.28% 0.30%

Asset Group A ‐ $50 to $250 million in Total Assets As of Date

0.00%

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Asset Group B ‐ $251 to $500 million in Total AssetsAs of Date

0.00%

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Asset Group C ‐ $501 to $1 billion in Total Assets As of Date

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Asset Group D ‐ $1 billion and Over in Total Assets As of Date




NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Asset Quality Graph-N Page 15 of 49

Asset Quality Run Date: June 4, 2020

Total Assets ($000) Delinquent Loans

=> 2 months ($000) NPLs / Loans (%)

Loan Loss Reserves / Gross

Loans (%) Reserves / NPLs

(%) Delinquent Loans/

Assets (%) Region Institution Name


Mokelumne Federal Credit Union $51,305 $18 0.07% 0.72% NM 0.24% 0.04%Valley Oak Credit Union $54,031 $129 0.34% 1.26% 368.99% 3.36% 0.24%Chabot Federal Credit Union $65,629 $0 0.00% 0.39% NA 0.00% 0.00%California Community Credit Union $66,373 $114 0.45% 2.09% 467.54% 1.26% 0.17%Menlo Survey Federal Credit Union $66,516 $9 0.03% 0.12% 344.44% 0.10% 0.01%Kaiperm Federal Credit Union $73,462 $274 0.51% 0.71% 139.05% 2.82% 0.37%Marin County Federal Credit Union $73,889 $69 0.28% 0.62% 223.19% 0.74% 0.09%Polam Federal Credit Union $74,229 $106 0.26% 1.03% 402.83% 7.10% 0.14%Bay Cities Credit Union $74,299 $167 0.66% 1.14% 172.46% 2.20% 0.22%Upward Credit Union $79,761 $577 1.22% 0.25% 20.10% 6.61% 0.72%Siskiyou Central Credit Union $80,090 $574 0.95% 0.73% 77.00% 6.73% 0.72%North Bay Credit Union $80,706 $15 0.03% 0.35% NM 0.20% 0.02%Lassen County Federal Credit Union $83,811 $76 0.18% 0.28% 155.26% 0.57% 0.09%Shell Western States Federal Credit Union $83,864 $48 0.15% 0.34% 231.25% 0.52% 0.06%Vision One Credit Union $91,451 $186 0.26% 1.98% 776.88% 1.38% 0.20%First California Federal Credit Union $92,411 $954 2.06% 0.87% 42.14% 10.79% 1.03%SMW 104 Federal Credit Union $97,135 $30 0.10% 0.25% 253.33% 0.34% 0.03%Tulare County Federal Credit Union $102,028 $288 0.41% 0.50% 122.57% 3.64% 0.28%SRI Federal Credit Union $112,198 $90 0.11% 0.22% 203.33% 0.89% 0.08%United Local Credit Union $112,225 $281 0.41% 1.67% 404.27% 1.72% 0.25%Mission City Federal Credit Union $112,807 $80 0.11% 0.25% 240.00% 0.84% 0.07%Cooperative Center Federal Credit Union $118,789 $689 1.04% 0.63% 60.38% 8.90% 0.58%Merco Credit Union $121,636 $192 0.27% 0.77% 287.50% 1.69% 0.16%Kings Federal Credit Union $128,481 $231 0.29% 0.82% 281.39% 1.38% 0.18%Vocality Community Credit Union $131,907 $2,234 2.13% 0.44% 20.73% 15.84% 1.69%Santa Cruz Community Credit Union $133,888 $170 0.15% 1.04% 687.06% 2.23% 0.13%San Joaquin Power Employees Credit Union $141,933 $9 0.01% 1.00% NM 0.04% 0.01%Solano First Federal Credit Union $147,218 $1,387 1.83% 2.73% 149.03% 19.85% 0.94%Central Coast Federal Credit Union $149,076 $1,279 1.66% 0.69% 41.36% 9.21% 0.86%Compass Community Credit Union $149,340 $115 0.12% 0.31% 260.00% 0.55% 0.08%Premier Community Credit Union $158,170 $169 0.24% 1.24% 525.44% 1.06% 0.11%Families & Schools Together Federal Credit Union $186,377 $161 0.12% 1.33% NM 0.61% 0.09%Central State Credit Union $204,852 $1,069 1.18% 1.67% 140.97% 6.01% 0.52%Heritage Community Credit Union $212,173 $731 0.40% 0.84% 208.07% 4.74% 0.34%C.A.H.P. Credit Union $221,077 $225 0.12% 0.43% 342.67% 1.07% 0.10%Pacific Postal Credit Union $226,160 $481 0.64% 0.90% 140.96% 1.36% 0.21%Members 1st Credit Union $236,083 $323 0.17% 0.44% 259.44% 2.74% 0.14%Tucoemas Federal Credit Union $249,316 $864 0.56% 1.26% 225.12% 5.35% 0.35%

Average of Asset Group A $122,229 $379 0.51% 0.85% 250.75% 3.54% 0.30%

March 31, 2020As of Date

NPAs / Equity + LLRs (%)



NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Asset Quality Data-N Page 16 of 49











Monterey Credit Union $257,311 $922 0.61% 1.18% 193.06% 3.17% 0.36%Yolo Federal Credit Union $304,959 $391 0.17% 0.59% 336.83% 1.14% 0.13%MOCSE Federal Credit Union $319,248 $494 0.37% 0.91% 246.76% 1.60% 0.15%Sea West Coast Guard Federal Credit Union $373,824 $41 0.03% 0.38% NM 0.05% 0.01%First U.S. Community Credit Union $411,746 $420 0.16% 0.75% 456.90% 1.00% 0.10%PremierOne Credit Union $447,245 $556 0.18% 0.48% 257.73% 1.26% 0.12%SafeAmerica Credit Union $484,517 $2,828 0.71% 0.52% 73.30% 7.48% 0.58%UNCLE Credit Union $493,320 $1,169 0.28% 0.62% 219.25% 2.85% 0.24%

Average of Asset Group B $386,521 $853 0.31% 0.68% 254.83% 2.32% 0.21%


Sacramento Credit Union $511,470 $388 0.13% 0.61% 465.21% 0.49% 0.08%Financial Center Credit Union $538,387 $811 0.52% 1.63% 312.21% 0.71% 0.15%Commonwealth Central Credit Union $540,883 $1,615 0.39% 0.63% 160.56% 3.13% 0.30%Excite Credit Union $551,819 $2,661 0.60% 0.70% 116.65% 6.30% 0.48%Merced School Employees Federal Credit Union $552,643 $520 0.23% 1.00% 425.77% 0.85% 0.09%Community First Credit Union $566,326 $5,755 1.29% 0.72% 55.71% 10.39% 1.02%Valley First Credit Union $623,730 $1,219 0.27% 0.66% 244.71% 1.91% 0.20%1st Northern California Credit Union $732,919 $5 0.00% 0.52% NM 0.01% 0.00%Santa Clara County Federal Credit Union $797,130 $3,371 0.67% 0.52% 77.51% 4.34% 0.42%Noble Federal Credit Union $811,674 $3,311 0.56% 1.61% 288.83% 3.85% 0.41%Police Credit Union of California $964,683 $9,704 1.47% 1.25% 85.28% 6.66% 1.01%

Average of Asset Group C $653,788 $2,669 0.56% 0.90% 223.24% 3.51% 0.38%














Bay Federal Credit Union $1,137,252 $2,197 0.30% 0.64% 213.11% 2.26% 0.19%Sierra Central Credit Union $1,139,861 $2,961 0.36% 0.88% 242.25% 2.64% 0.26%1st United Services Credit Union $1,159,559 $1,542 0.18% 0.35% 194.94% 1.47% 0.13%San Francisco Federal Credit Union $1,183,597 $7,421 0.96% 2.15% 223.55% 10.07% 0.63%Operating Engineers Local Union #3 Federal Credit Union $1,188,794 $3,652 0.47% 1.17% 250.41% 2.40% 0.31%Pacific Service Credit Union $1,192,562 $601 0.07% 0.27% 360.07% 0.33% 0.05%San Mateo Credit Union $1,227,945 $3,630 0.35% 0.53% 151.21% 2.56% 0.30%Self-Help Federal Credit Union $1,246,907 $4,492 0.44% 1.64% 371.28% 6.46% 0.36%KeyPoint Credit Union $1,341,367 $5,377 0.52% 0.41% 78.58% 4.82% 0.40%San Francisco Fire Credit Union $1,439,467 $5,505 0.51% 0.45% 89.36% 4.00% 0.38%Coast Central Credit Union $1,640,757 $2,823 0.39% 0.92% 234.71% 1.33% 0.17%Meriwest Credit Union $1,772,637 $3,971 0.30% 0.62% 209.87% 3.50% 0.22%Provident Credit Union $2,875,770 $1,221 0.06% 0.23% 369.70% 0.41% 0.04%Stanford Federal Credit Union $3,101,503 $932 0.05% 0.68% NM 0.30% 0.03%Technology Credit Union $3,146,525 $7,492 0.32% 0.94% 298.83% 2.09% 0.24%SAFE Credit Union $3,210,896 $7,063 0.29% 0.72% 251.45% 2.66% 0.22%Educational Employees Credit Union $3,381,081 $1,898 0.12% 0.74% 626.82% 0.52% 0.06%Travis Credit Union $3,647,386 $17,565 0.65% 1.24% 190.19% 4.35% 0.48%Chevron Federal Credit Union $3,751,937 $9,314 0.31% 0.33% 108.18% 2.48% 0.25%Redwood Credit Union $5,173,207 $15,480 0.38% 0.85% 224.76% 2.31% 0.30%Patelco Credit Union $7,507,377 $18,220 0.33% 0.62% 188.32% 2.32% 0.24%Star One Credit Union $9,362,549 $3,137 0.07% 0.15% 217.66% 0.27% 0.03%Golden 1 Credit Union $13,854,012 $36,046 0.41% 0.96% 232.43% 2.33% 0.26%

Average of Asset Group D $3,247,085 $7,067 0.34% 0.76% 242.17% 2.69% 0.24%




Net Worth

Net Worth Run Date: June 4, 2020March 31, 2020

Summary Trends of Historical Asset Group Averages: Delinquent Loans/Net Worth & Classified Assets/Net Worth

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12/31/17 3/31/18 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20Delinquent Loans/Net Worth 2.94% 2.19% 2.94% 3.14% 2.92% 2.07% 2.53% 2.11% 2.28% 2.12%Classified Assets/Net Worth 4.06% 3.91% 4.06% 3.88% 4.02% 3.91% 3.94% 3.69% 3.37% 3.90%


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NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Net Worth Graph-N Page 20 of 49


Summary Trends of Historical Asset Group Averages: Net Worth/Assets & Net Worth Growth (Decline) - YTD

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12/31/17 3/31/18 6/30/18 9/30/18 12/31/18 3/31/19 6/30/19 9/30/19 12/31/19 3/31/20Net Worth/Assets 10.74% 10.59% 10.69% 10.82% 11.02% 10.99% 11.17% 11.21% 11.41% 11.20%Net Worth Growth 3.86% 4.78% 4.20% 5.23% 5.70% 5.74% 6.27% 6.15% 7.78% 3.80%


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NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Net Worth Graph-N Page 21 of 49

Net Worth Run Date: June 4, 2020

Total Assets ($000) Total Net Worth

($000) Net Worth/ Assets (%)

Net Worth Growth (Decline) -

YTD (%) Total Delinquent

Lns/ Net Worth (%) Classified Assets/

Net Worth (%) Region Institution Name


Mokelumne Federal Credit Union $51,305 $7,203 14.04% 2.80% 0.25% 2.58%Valley Oak Credit Union $54,031 $4,878 9.03% (3.09%) 2.64% 9.76%Chabot Federal Credit Union $65,629 $10,865 16.56% 1.29% 0.00% 0.70%California Community Credit Union $66,373 $8,538 12.86% 1.08% 1.34% 6.24%Menlo Survey Federal Credit Union $66,516 $9,383 14.11% 4.00% 0.10% 0.33%Kaiperm Federal Credit Union $73,462 $9,381 12.77% 7.43% 2.92% 4.06%Marin County Federal Credit Union $73,889 $8,409 11.38% 6.58% 0.82% 1.83%Polam Federal Credit Union $74,229 $9,869 13.30% 3.39% 1.07% 4.33%Bay Cities Credit Union $74,299 $7,298 9.82% 8.62% 2.29% 3.95%Upward Credit Union $79,761 $8,611 10.80% 4.04% 6.70% 1.35%Siskiyou Central Credit Union $80,090 $8,085 10.09% 4.40% 7.10% 5.47%North Bay Credit Union $80,706 $7,774 9.63% 66.14% 0.19% 2.43%Lassen County Federal Credit Union $83,811 $12,825 15.30% 1.97% 0.59% 0.92%Shell Western States Federal Credit Union $83,864 $9,136 10.89% 3.13% 0.53% 1.21%Vision One Credit Union $91,451 $12,010 13.13% 2.51% 1.55% 12.03%First California Federal Credit Union $92,411 $8,758 9.48% (3.67%) 10.89% 4.59%SMW 104 Federal Credit Union $97,135 $8,819 9.08% 8.90% 0.34% 0.86%Tulare County Federal Credit Union $102,028 $7,632 7.48% (9.77%) 3.77% 4.63%SRI Federal Credit Union $112,198 $9,863 8.79% 6.39% 0.91% 1.86%United Local Credit Union $112,225 $19,734 17.58% 1.96% 1.42% 5.76%Mission City Federal Credit Union $112,807 $9,248 8.20% (2.62%) 0.87% 2.08%Cooperative Center Federal Credit Union $118,789 $8,921 7.51% (47.46%) 7.72% 4.66%Merco Credit Union $121,636 $12,193 10.02% 4.38% 1.57% 4.53%Kings Federal Credit Union $128,481 $19,026 14.81% 4.16% 1.21% 3.42%Vocality Community Credit Union $131,907 $14,275 10.82% 6.52% 15.65% 3.24%Santa Cruz Community Credit Union $133,888 $10,967 8.19% 8.80% 1.55% 10.65%San Joaquin Power Employees Credit Union $141,933 $23,943 16.87% 2.15% 0.04% 4.23%Solano First Federal Credit Union $147,218 $8,197 5.57% 0.10% 16.92% 25.22%Central Coast Federal Credit Union $149,076 $13,262 8.90% 5.44% 9.64% 3.99%Compass Community Credit Union $149,340 $20,278 13.58% (2.90%) 0.57% 1.47%Premier Community Credit Union $158,170 $15,672 9.91% 3.14% 1.08% 5.67%Families & Schools Together Federal Credit Union $186,377 $24,700 13.25% 14.59% 0.65% 7.54%Central State Credit Union $204,852 $18,342 8.95% 9.10% 5.83% 8.22%Heritage Community Credit Union $212,173 $20,475 9.65% (1.85%) 3.57% 7.43%C.A.H.P. Credit Union $221,077 $20,187 9.13% 7.02% 1.11% 3.82%Pacific Postal Credit Union $226,160 $36,145 15.98% 2.37% 1.33% 1.88%Members 1st Credit Union $236,083 $21,500 9.11% 7.02% 1.50% 3.90%Tucoemas Federal Credit Union $249,316 $22,378 8.98% 6.32% 3.86% 8.69%

Average of Asset Group A $122,229 $13,389 11.20% 3.80% 3.16% 4.88%

As of Date

March 31, 2020



NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Net Worth Data-N Page 22 of 49








As of Date

March 31, 2020


Monterey Credit Union $257,311 $36,287 14.10% 2.12% 2.54% 4.91%Yolo Federal Credit Union $304,959 $39,291 12.88% 6.49% 1.00% 3.35%MOCSE Federal Credit Union $319,248 $29,253 9.16% 3.91% 1.69% 4.17%Sea West Coast Guard Federal Credit Union $373,824 $73,342 19.62% 1.18% 0.06% 0.84%First U.S. Community Credit Union $411,746 $49,475 12.02% 8.43% 0.85% 3.88%PremierOne Credit Union $447,245 $44,511 9.95% 2.22% 1.25% 3.22%SafeAmerica Credit Union $484,517 $40,281 8.31% 5.76% 7.02% 5.15%UNCLE Credit Union $493,320 $45,455 9.21% (10.26%) 2.57% 5.64%

Average of Asset Group B $386,521 $44,737 11.91% 2.48% 2.12% 3.90%


Sacramento Credit Union $511,470 $77,407 15.13% 6.46% 0.50% 2.33%Financial Center Credit Union $538,387 $103,676 19.26% 2.88% 0.78% 2.44%Commonwealth Central Credit Union $540,883 $55,693 10.30% 4.65% 2.90% 4.66%Excite Credit Union $551,819 $49,855 9.03% (4.38%) 5.34% 6.23%Merced School Employees Federal Credit Union $552,643 $60,881 11.02% 6.52% 0.85% 3.64%Community First Credit Union $566,326 $51,461 9.09% 12.84% 11.18% 6.23%Valley First Credit Union $623,730 $66,527 10.67% 4.92% 1.83% 4.48%1st Northern California Credit Union $732,919 $79,008 10.78% 1.90% 0.01% 1.64%Santa Clara County Federal Credit Union $797,130 $73,539 9.23% 4.67% 4.58% 3.55%Noble Federal Credit Union $811,674 $92,120 11.35% (1.51%) 3.59% 10.38%Police Credit Union of California $964,683 $135,607 14.06% 0.67% 7.16% 6.10%

Average of Asset Group C $653,788 $76,889 11.81% 3.60% 3.52% 4.70%











As of Date

March 31, 2020


Bay Federal Credit Union $1,137,252 $103,796 9.13% 7.83% 2.12% 4.51%Sierra Central Credit Union $1,139,861 $127,051 11.15% 6.88% 2.33% 5.65%1st United Services Credit Union $1,159,559 $114,260 9.85% 2.58% 1.35% 2.63%San Francisco Federal Credit Union $1,183,597 $128,391 10.85% 10.73% 5.78% 12.92%Operating Engineers Local Union #3 Federal Credit Union $1,188,794 $179,895 15.13% 3.36% 2.03% 5.08%Pacific Service Credit Union $1,192,562 $175,520 14.72% 2.86% 0.34% 1.23%San Mateo Credit Union $1,227,945 $138,620 11.29% 10.10% 2.62% 3.96%Self-Help Federal Credit Union $1,246,907 $194,305 15.58% 1.64% 2.31% 8.58%KeyPoint Credit Union $1,341,367 $108,879 8.12% 1.24% 4.94% 3.88%San Francisco Fire Credit Union $1,439,467 $129,492 9.00% 3.37% 4.25% 3.80%Coast Central Credit Union $1,640,757 $188,390 11.48% 6.03% 1.50% 3.52%Meriwest Credit Union $1,772,637 $158,688 8.95% 4.55% 2.50% 5.25%Provident Credit Union $2,875,770 $320,731 11.15% 3.75% 0.38% 1.41%Stanford Federal Credit Union $3,101,503 $292,559 9.43% 10.31% 0.32% 4.79%Technology Credit Union $3,146,525 $331,844 10.55% 9.39% 2.26% 6.75%SAFE Credit Union $3,210,896 $316,761 9.87% 8.08% 2.23% 5.61%Educational Employees Credit Union $3,381,081 $440,314 13.02% 6.83% 0.43% 2.70%Travis Credit Union $3,647,386 $396,112 10.86% (0.80%) 4.43% 8.43%Chevron Federal Credit Union $3,751,937 $375,317 10.00% (19.60%) 2.48% 2.68%Redwood Credit Union $5,173,207 $648,538 12.54% 10.51% 2.39% 5.36%Patelco Credit Union $7,507,377 $798,958 10.64% 7.71% 2.28% 4.29%Star One Credit Union $9,362,549 $1,097,731 11.72% 5.62% 0.29% 0.62%Golden 1 Credit Union $13,854,012 $1,528,917 11.04% 5.43% 2.36% 5.48%

Average of Asset Group D $3,247,085 $360,655 11.13% 4.71% 2.26% 4.74%




Southern California

Performance Analysis


Summary Trends of Historical Asset Group Averages: Return on Average Assets

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NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Performance Graph-S Page 27 of 49


Summary Trends of Historical Asset Group Averages: Return on Average Net Worth

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NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Performance Graph-S Page 28 of 49

Performance Analysis Run Date: June 4, 2020

As of Date

Total Assets ($000)













Huntington Beach City Employees Credit Union $53,904 $65 0.48% 4.01% 90.51% $79 $65 0.48% 4.01% 90.51% $79Cal State L.A. Federal Credit Union $54,976 $48 0.36% 3.04% 89.95% $81 $48 0.36% 3.04% 89.95% $81County Schools Federal Credit Union $61,181 $1 0.01% 0.09% 99.85% $68 $1 0.01% 0.09% 99.85% $68North County Credit Union $64,229 $14 0.09% 1.07% 91.30% $88 $14 0.09% 1.07% 91.30% $88Pacific Transportation Federal Credit Union $65,039 $204 1.36% 6.37% 75.38% $75 $204 1.36% 6.37% 75.38% $75Polam Federal Credit Union $65,215 $40 0.25% 2.25% 89.25% $84 $40 0.25% 2.25% 89.25% $84CalCom Federal Credit Union $65,673 $67 0.41% 2.83% 82.52% $56 $67 0.41% 2.83% 82.52% $56Bourns Employees Federal Credit Union $67,806 $23 0.15% 1.06% 92.21% $72 $23 0.15% 1.06% 92.21% $72JACOM Credit Union $70,154 $114 0.65% 4.10% 92.55% $93 $114 0.65% 4.10% 92.55% $93Bopti Federal Credit Union $71,668 $133 0.74% 3.96% 67.69% $121 $133 0.74% 3.96% 67.69% $121Nikkei Credit Union $73,108 $43 0.24% 1.81% 96.01% $72 $43 0.24% 1.81% 96.01% $72Allied Healthcare Federal Credit Union $73,435 $93 0.51% 5.01% 87.33% $78 $93 0.51% 5.01% 87.33% $78PostCity Financial Credit Union $73,462 $41 0.23% 1.80% 93.65% $91 $41 0.23% 1.80% 93.65% $91Universal City Studios Credit Union $74,270 $65 0.36% 4.13% 91.98% $72 $65 0.36% 4.13% 91.98% $72Santa Ana Federal Credit Union $76,582 $194 1.02% 9.86% 73.93% $51 $194 1.02% 9.86% 73.93% $51Union Yes Federal Credit Union $78,238 $72 0.39% 8.12% 88.85% $114 $72 0.39% 8.12% 88.85% $114Paradise Valley Federal Credit Union $78,670 ($2) (0.01%) (0.09%) 97.70% $69 ($2) (0.01%) (0.09%) 97.70% $69Prospectors Federal Credit Union $79,422 $54 0.27% 2.36% 89.11% $78 $54 0.27% 2.36% 89.11% $78VA Desert Pacific Federal Credit Union $79,525 $362 1.85% 9.61% 70.56% $117 $362 1.85% 9.61% 70.56% $117Glendale Federal Credit Union $82,660 $8 0.04% 0.27% 98.53% $69 $8 0.04% 0.27% 98.53% $69La Loma Federal Credit Union $86,911 $175 0.83% 11.64% 83.39% $58 $175 0.83% 11.64% 83.39% $58Thinkwise Federal Credit Union $90,027 ($106) (0.48%) (3.78%) 93.96% $75 ($106) (0.48%) (3.78%) 93.96% $75Interfaith Federal Credit Union $90,230 $117 0.51% 4.60% 79.62% $123 $117 0.51% 4.60% 79.62% $123Technicolor Federal Credit Union $93,270 $388 1.69% 20.23% 79.50% $107 $388 1.69% 20.23% 79.50% $107Rancho Federal Credit Union $99,136 ($26) (0.11%) (1.33%) 97.21% $85 ($26) (0.11%) (1.33%) 97.21% $85San Diego Firefighters Federal Credit Union $108,014 $30 0.11% 1.32% 95.74% $108 $30 0.11% 1.32% 95.74% $108South Bay Credit Union $113,816 $165 0.60% 5.61% 65.98% $74 $165 0.60% 5.61% 65.98% $74California Bear Credit Union $114,530 ($806) (2.83%) (39.15%) 272.12% $108 ($806) (2.83%) (39.15%) 272.12% $108Pasadena Service Federal Credit Union $121,258 $30 0.10% 0.94% 89.57% $82 $30 0.10% 0.94% 89.57% $82Ontario Montclair School Employees Federal Credit Union $122,240 $117 0.39% 3.84% 82.95% $85 $117 0.39% 3.84% 82.95% $85East County Schools Federal Credit Union $127,433 $141 0.45% 5.07% 85.00% $88 $141 0.45% 5.07% 85.00% $88Clearpath Federal Credit Union $130,340 $156 0.49% 4.69% 84.70% $70 $156 0.49% 4.69% 84.70% $70First Imperial Credit Union $130,684 $207 0.64% 6.56% 75.38% $80 $207 0.64% 6.56% 75.38% $80Schools Federal Credit Union $131,871 $155 0.48% 3.38% 86.79% $90 $155 0.48% 3.38% 86.79% $90Sea Air Federal Credit Union $134,713 ($119) (0.35%) (1.45%) 105.68% $96 ($119) (0.35%) (1.45%) 105.68% $96Torrance Community Federal Credit Union $141,123 $82 0.24% 2.60% 84.49% $94 $82 0.24% 2.60% 84.49% $94California Lithuanian Credit Union $146,580 $466 1.32% 8.85% 35.42% $112 $466 1.32% 8.85% 35.42% $112Camino Federal Credit Union $150,989 $205 0.55% 5.34% 80.92% $83 $205 0.55% 5.34% 80.92% $83Chaffey Federal Credit Union $165,119 $136 0.34% 3.74% 84.11% $67 $136 0.34% 3.74% 84.11% $67Priority One Credit Union $168,737 $151 0.37% 3.23% 88.71% $80 $151 0.37% 3.23% 88.71% $80E-Central Credit Union $179,809 $198 0.46% 2.49% 87.94% $94 $198 0.46% 2.49% 87.94% $94Pasadena Federal Credit Union $182,702 ($60) (0.13%) (1.41%) 101.32% $87 ($60) (0.13%) (1.41%) 101.32% $87Alta Vista Credit Union $185,604 $248 0.55% 6.97% 80.74% $76 $248 0.55% 6.97% 80.74% $76Long Beach Firemen's Credit Union $190,870 $676 1.42% 6.57% 36.35% $90 $676 1.42% 6.57% 36.35% $90Edwards Federal Credit Union $204,672 $32 0.06% 0.78% 93.81% $74 $32 0.06% 0.78% 93.81% $74Parsons Federal Credit Union $237,176 $18 0.03% 0.25% 92.81% $114 $18 0.03% 0.25% 92.81% $114Downey Federal Credit Union $237,855 $305 0.53% 4.19% 79.84% $88 $305 0.53% 4.19% 79.84% $88Santa Barbara Teachers Federal Credit Union $243,695 $160 0.27% 2.35% 80.51% $96 $160 0.27% 2.35% 80.51% $96UMe Federal Credit Union $245,608 $466 0.77% 8.08% 69.91% $79 $466 0.77% 8.08% 69.91% $79

Average of Asset Group A $118,045 $109 0.38% 3.02% 88.44% $86 $109 0.38% 3.02% 88.44% $86

March 31, 2020




NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Performance Data-S Page 29 of 49


As of Date

Total Assets ($000)












March 31, 2020



POPA Federal Credit Union $267,976 $579 0.89% 7.27% 82.59% $95 $579 0.89% 7.27% 82.59% $95Strata Federal Credit Union $270,629 $435 0.65% 4.86% 81.23% $81 $435 0.65% 4.86% 81.23% $81Matadors Community Credit Union $271,139 $422 0.63% 5.76% 74.02% $111 $422 0.63% 5.76% 74.02% $111Eagle Community Credit Union $272,069 $111 0.17% 1.68% 85.90% $78 $111 0.17% 1.68% 85.90% $78Long Beach City Employees Federal Credit Union $295,788 ($138) (0.19%) (1.69%) 102.83% $107 ($138) (0.19%) (1.69%) 102.83% $107I.L.W.U. Federal Credit Union $308,907 $491 0.65% 5.71% 84.82% $109 $491 0.65% 5.71% 84.82% $109SAG-AFTRA Federal Credit Union $327,343 $499 0.61% 7.53% 72.31% $90 $499 0.61% 7.53% 72.31% $90Wheelhouse Credit Union $333,464 ($24) (0.03%) (0.32%) 100.68% $83 ($24) (0.03%) (0.32%) 100.68% $83Cabrillo Credit Union $336,498 $288 0.34% 3.56% 83.87% $94 $288 0.34% 3.56% 83.87% $94Gain Federal Credit Union $379,824 $204 0.22% 2.78% 86.19% $89 $204 0.22% 2.78% 86.19% $89Aerospace Federal Credit Union $383,412 $264 0.28% 2.47% 84.32% $123 $264 0.28% 2.47% 84.32% $123Glendale Area Schools Credit Union $389,182 $592 0.62% 4.15% 62.19% $79 $592 0.62% 4.15% 62.19% $79America's Christian Credit Union $427,258 ($81) (0.08%) (0.73%) 86.82% $96 ($81) (0.08%) (0.73%) 86.82% $96LA Financial Federal Credit Union $428,591 $961 0.91% 9.36% 77.86% $107 $961 0.91% 9.36% 77.86% $107Sun Community Federal Credit Union $480,709 $59 0.05% 0.53% 89.18% $70 $59 0.05% 0.53% 89.18% $70CBC Federal Credit Union $498,761 ($557) (0.46%) (5.07%) 102.26% $95 ($557) (0.46%) (5.07%) 102.26% $95

Average of Asset Group B $354,472 $257 0.33% 2.99% 84.82% $94 $257 0.33% 2.99% 84.82% $94


Foothill Federal Credit Union $520,561 $901 0.71% 5.73% 74.99% $92 $901 0.71% 5.73% 74.99% $92MyPoint Credit Union $539,264 $530 0.40% 4.62% 89.09% $86 $530 0.40% 4.62% 89.09% $86SkyOne Federal Credit Union $547,905 $91 0.07% 0.81% 88.96% $119 $91 0.07% 0.81% 88.96% $119USC Credit Union $606,998 $377 0.25% 2.91% 79.86% $84 $377 0.25% 2.91% 79.86% $84First Financial Federal Credit Union $608,691 $462 0.30% 3.79% 77.10% $98 $462 0.30% 3.79% 77.10% $98AltaOne Federal Credit Union $623,261 ($495) (0.32%) (3.06%) 78.68% $72 ($495) (0.32%) (3.06%) 78.68% $72Certified Federal Credit Union $636,229 $1,706 1.09% 5.37% 68.34% $105 $1,706 1.09% 5.37% 68.34% $105Safe 1 Credit Union $684,775 $824 0.49% 3.17% 67.41% $86 $824 0.49% 3.17% 67.41% $86Evangelical Christian Credit Union $691,036 $1,131 0.64% 7.79% 66.52% $114 $1,131 0.64% 7.79% 66.52% $114Christian Community Credit Union $707,198 $944 0.54% 4.13% 84.90% $97 $944 0.54% 4.13% 84.90% $97First City Credit Union $734,106 $1,512 0.84% 6.83% 77.66% $90 $1,512 0.84% 6.83% 77.66% $90University Credit Union $750,061 $524 0.28% 3.50% 87.00% $118 $524 0.28% 3.50% 87.00% $118SCE Federal Credit Union $761,047 ($837) (0.45%) (4.30%) 83.58% $100 ($837) (0.45%) (4.30%) 83.58% $100Water and Power Community Credit Union $775,649 $739 0.39% 4.37% 83.69% $117 $739 0.39% 4.37% 83.69% $117American First Credit Union $778,093 ($337) (0.17%) (1.66%) 100.11% $99 ($337) (0.17%) (1.66%) 100.11% $99Southland Credit Union $880,137 ($318) (0.15%) (1.37%) 94.25% $98 ($318) (0.15%) (1.37%) 94.25% $98Sesloc Federal Credit Union $897,398 $790 0.36% 3.62% 84.42% $111 $790 0.36% 3.62% 84.42% $111Xceed Financial Federal Credit Union $902,303 ($1,390) (0.62%) (5.89%) 111.66% $98 ($1,390) (0.62%) (5.89%) 111.66% $98Honda Federal Credit Union $917,588 $982 0.44% 4.54% 86.82% $95 $982 0.44% 4.54% 86.82% $95Frontwave Credit Union $920,333 $187 0.08% 0.66% 90.24% $74 $187 0.08% 0.66% 90.24% $74Ventura County Credit Union $945,242 $2,229 0.96% 9.88% 73.10% $81 $2,229 0.96% 9.88% 73.10% $81

Average of Asset Group C $734,661 $502 0.29% 2.64% 83.26% $97 $502 0.29% 2.64% 83.26% $97





As of Date

Total Assets ($000)












March 31, 2020



Los Angeles Police Federal Credit Union $1,020,418 $1,711 0.68% 5.36% 76.02% $139 $1,711 0.68% 5.36% 76.02% $139Los Angeles Federal Credit Union $1,033,444 $2,622 1.04% 8.26% 67.61% $113 $2,622 1.04% 8.26% 67.61% $113University & State Employees Credit Union $1,043,216 $476 0.18% 1.84% 93.53% $107 $476 0.18% 1.84% 93.53% $107Farmers Insurance Group Federal Credit Union $1,128,727 ($2,702) (1.01%) (9.28%) 76.77% $105 ($2,702) (1.01%) (9.28%) 76.77% $105CoastHills Credit Union $1,218,521 $2,136 0.71% 7.57% 77.25% $91 $2,136 0.71% 7.57% 77.25% $91Northrop Grumman Federal Credit Union $1,250,194 $701 0.23% 2.11% 83.26% $109 $701 0.23% 2.11% 83.26% $109Firefighters First Federal Credit Union $1,530,913 $1,680 0.45% 4.96% 84.83% $125 $1,680 0.45% 4.96% 84.83% $125Financial Partners Credit Union $1,542,001 $2,361 0.62% 6.87% 82.33% $107 $2,361 0.62% 6.87% 82.33% $107LBS Financial Credit Union $1,586,380 $2,487 0.64% 4.91% 72.82% $97 $2,487 0.64% 4.91% 72.82% $97Arrowhead Central Credit Union $1,587,282 $4,410 1.15% 8.53% 76.07% $83 $4,410 1.15% 8.53% 76.07% $83Altura Credit Union $1,595,966 $4,203 1.08% 9.43% 71.47% $93 $4,203 1.08% 9.43% 71.47% $93First Entertainment Credit Union $1,658,725 ($1,070) (0.26%) (2.78%) 93.90% $120 ($1,070) (0.26%) (2.78%) 93.90% $120Caltech Employees Federal Credit Union $1,809,973 $2,736 0.61% 5.84% 58.56% $132 $2,736 0.61% 5.84% 58.56% $132Orange County's Credit Union $1,827,850 $2,834 0.63% 6.16% 78.87% $105 $2,834 0.63% 6.16% 78.87% $105F&A Federal Credit Union $1,842,321 $3,374 0.75% 4.61% 57.05% $102 $3,374 0.75% 4.61% 57.05% $102Credit Union of Southern California $1,861,506 $4,529 1.02% 9.01% 67.10% $102 $4,529 1.02% 9.01% 67.10% $102Valley Strong Credit Union $1,926,854 $14 0.00% 0.03% 94.34% $74 $14 0.00% 0.03% 94.34% $74Partners Federal Credit Union $1,949,714 $2,308 0.48% 4.35% 75.11% $101 $2,308 0.48% 4.35% 75.11% $101NuVision Federal Credit Union $2,407,553 ($509) (0.09%) (0.76%) 90.45% $90 ($509) (0.09%) (0.76%) 90.45% $90Premier America Credit Union $2,922,060 $4,484 0.62% 5.96% 70.47% $93 $4,484 0.62% 5.96% 70.47% $93California Coast Credit Union $3,002,691 $5,227 0.74% 6.29% 70.64% $78 $5,227 0.74% 6.29% 70.64% $78UNIFY Financial Federal Credit Union $3,200,953 $3,148 0.40% 4.59% 75.78% $112 $3,148 0.40% 4.59% 75.78% $112California Credit Union $3,293,608 ($411) (0.05%) (0.46%) 97.45% $112 ($411) (0.05%) (0.46%) 97.45% $112Mission Federal Credit Union $4,302,840 $10,417 1.02% 7.75% 67.18% $104 $10,417 1.02% 7.75% 67.18% $104Wescom Central Credit Union $4,382,903 $4,129 0.41% 4.92% 83.92% $109 $4,129 0.41% 4.92% 83.92% $109Kinecta Federal Credit Union $4,854,116 ($366) (0.03%) (0.38%) 90.54% $121 ($366) (0.03%) (0.38%) 90.54% $121Logix Federal Credit Union $6,971,659 $17,649 1.06% 7.13% 64.00% $121 $17,649 1.06% 7.13% 64.00% $121San Diego County Credit Union $8,745,262 $20,133 0.94% 5.71% 65.19% $109 $20,133 0.94% 5.71% 65.19% $109SchoolsFirst Federal Credit Union $19,961,071 $46,876 1.02% 8.96% 64.13% $109 $46,876 1.02% 8.96% 64.13% $109

Average of Asset Group D $3,153,749 5,020.24 0.52% 4.40% 76.78% 105.62 5,020.24 0.52% 4.40% 76.78% 105.62




Balance Sheet & Net Interest Margin


Summary Trends of Historical Asset Group Averages: Yield on Avg. Assets & Net Interest Income/ Avg Assets (%)

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NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. BS & NIM Graph-S Page 33 of 49


Summary Trends of Historical Asset Group Averages: Asset Growth Rate & Market Growth Rate

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NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. BS & NIM Graph-S Page 34 of 49













Huntington Beach City Employees Credit Union $53,904 $11,493 $47,154 24.37% $8,293 2.69% 0.15% 2.54% 0.05% (0.68%)Cal State L.A. Federal Credit Union $54,976 $37,769 $48,094 78.53% $3,791 4.15% 0.09% 4.06% 14.93% 17.33%County Schools Federal Credit Union $61,181 $45,656 $56,758 80.44% $3,220 4.01% 0.55% 3.46% 19.78% 21.55%North County Credit Union $64,229 $46,037 $58,385 78.85% $5,352 3.23% 0.60% 2.64% (15.69%) (16.10%)Pacific Transportation Federal Credit Union $65,039 $42,078 $50,919 82.64% $5,003 4.21% 0.22% 3.99% 74.87% 86.80%Polam Federal Credit Union $65,215 $31,980 $57,878 55.25% $6,865 3.14% 1.08% 2.06% 9.84% 10.61%CalCom Federal Credit Union $65,673 $43,620 $55,416 78.71% $2,985 4.20% 0.37% 3.82% 7.25% 8.45%Bourns Employees Federal Credit Union $67,806 $32,515 $54,262 59.92% $4,238 3.02% 0.80% 2.21% 72.37% 66.66%JACOM Credit Union $70,154 $19,253 $57,982 33.21% $8,769 2.48% 0.17% 2.32% (0.80%) (0.52%)Bopti Federal Credit Union $71,668 $23,403 $57,874 40.44% $13,031 3.58% 1.20% 2.38% (0.18%) (1.28%)Nikkei Credit Union $73,108 $33,851 $63,226 53.54% $4,874 3.19% 0.57% 2.63% 4.97% 5.45%Allied Healthcare Federal Credit Union $73,435 $50,693 $65,769 77.08% $4,590 3.90% 0.45% 3.44% 11.62% 12.20%PostCity Financial Credit Union $73,462 $25,035 $64,350 38.90% $5,877 3.01% 0.18% 2.83% 8.95% 10.61%Universal City Studios Credit Union $74,270 $40,347 $65,236 61.85% $5,501 3.10% 0.40% 2.69% 17.22% 11.57%Santa Ana Federal Credit Union $76,582 $50,330 $68,317 73.67% $5,673 2.99% 0.25% 2.74% 8.08% 8.95%Union Yes Federal Credit Union $78,238 $31,237 $71,396 43.75% $7,113 2.81% 0.27% 2.54% 43.99% 45.23%Paradise Valley Federal Credit Union $78,670 $44,230 $69,389 63.74% $4,628 3.36% 0.57% 2.78% 4.80% 5.21%Prospectors Federal Credit Union $79,422 $49,905 $69,747 71.55% $5,124 3.45% 0.88% 2.57% 8.93% 9.77%VA Desert Pacific Federal Credit Union $79,525 $39,211 $63,484 61.77% $5,680 4.54% 0.53% 4.01% 10.93% 13.15%Glendale Federal Credit Union $82,660 $48,225 $70,814 68.10% $4,468 3.23% 0.23% 3.00% 0.80% 0.53%La Loma Federal Credit Union $86,911 $44,265 $80,094 55.27% $3,343 3.10% 0.04% 3.06% 20.46% 20.00%Thinkwise Federal Credit Union $90,027 $43,766 $78,038 56.08% $3,914 3.62% 0.67% 2.95% 13.27% 16.22%Interfaith Federal Credit Union $90,230 $56,799 $79,767 71.21% $8,203 3.56% 0.51% 3.05% (6.38%) (7.95%)Technicolor Federal Credit Union $93,270 $52,656 $78,638 66.96% $3,658 3.58% 0.63% 2.95% 14.85% 17.42%Rancho Federal Credit Union $99,136 $56,777 $90,818 62.52% $3,478 3.34% 0.17% 3.17% 10.31% 11.74%San Diego Firefighters Federal Credit Union $108,014 $47,177 $97,356 48.46% $6,751 2.87% 0.62% 2.25% 13.07% 11.96%South Bay Credit Union $113,816 $88,436 $100,899 87.65% $5,294 3.90% 0.26% 3.64% 29.02% 34.24%California Bear Credit Union $114,530 $89,786 $105,996 84.71% $5,090 4.13% 0.15% 3.97% 3.31% 6.87%Pasadena Service Federal Credit Union $121,258 $70,421 $108,036 65.18% $4,576 3.71% 0.21% 3.50% 12.75% 15.84%Ontario Montclair School Employees Federal Credit Union $122,240 $62,045 $108,235 57.32% $5,202 3.37% 0.51% 2.87% 12.84% 11.34%East County Schools Federal Credit Union $127,433 $88,534 $115,185 76.86% $5,927 3.31% 0.53% 2.79% 8.56% 17.76%Clearpath Federal Credit Union $130,340 $86,528 $115,864 74.68% $3,259 3.91% 0.71% 3.20% 24.01% 26.41%First Imperial Credit Union $130,684 $98,507 $116,866 84.29% $3,227 5.25% 0.72% 4.54% 10.85% 21.23%Schools Federal Credit Union $131,871 $75,337 $112,319 67.07% $3,879 3.75% 0.23% 3.52% 13.20% 12.67%Sea Air Federal Credit Union $134,713 $32,383 $101,372 31.94% $7,282 2.79% 0.72% 2.07% (1.27%) (1.90%)Torrance Community Federal Credit Union $141,123 $43,932 $126,490 34.73% $8,553 2.67% 0.24% 2.27% 16.55% 15.79%California Lithuanian Credit Union $146,580 $86,719 $124,542 69.63% $24,430 3.43% 1.40% 2.02% 30.30% 35.71%Camino Federal Credit Union $150,989 $94,587 $134,102 70.53% $4,026 4.01% 0.30% 3.72% 7.51% 9.32%Chaffey Federal Credit Union $165,119 $94,109 $145,973 64.47% $3,885 3.45% 0.65% 2.80% 21.32% 17.04%Priority One Credit Union $168,737 $85,007 $148,274 57.33% $3,409 3.29% 0.09% 3.20% 20.47% 20.29%E-Central Credit Union $179,809 $120,457 $147,031 81.93% $4,087 3.85% 0.48% 3.36% 27.46% 34.19%Pasadena Federal Credit Union $182,702 $101,613 $164,798 61.66% $5,220 2.87% 0.60% 2.26% 10.24% 12.05%Alta Vista Credit Union $185,604 $127,921 $170,106 75.20% $5,016 4.01% 0.46% 3.55% 16.42% 16.22%Long Beach Firemen's Credit Union $190,870 $139,737 $149,284 93.60% $19,087 3.21% 1.05% 2.17% 2.31% 1.06%Edwards Federal Credit Union $204,672 $78,229 $187,182 41.79% $4,449 2.98% 0.23% 2.76% 7.08% 8.40%Parsons Federal Credit Union $237,176 $135,390 $204,097 66.34% $10,781 3.14% 0.87% 2.26% 15.89% 16.63%Downey Federal Credit Union $237,855 $117,760 $206,033 57.16% $4,904 3.39% 0.34% 3.04% 20.90% 22.61%Santa Barbara Teachers Federal Credit Union $243,695 $67,290 $216,540 31.08% $12,826 2.28% 0.67% 1.61% 8.13% 12.67%UMe Federal Credit Union $245,608 $96,818 $220,914 43.83% $6,298 3.12% 0.46% 2.66% 11.80% 11.19%

Average of Asset Group A $118,045 $63,875 $103,088 62.57% $6,227 3.43% 0.49% 2.94% 14.24% 15.56%

March 31, 2020As of Date Year to Date



NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. BS & NIM Data-S Page 35 of 49














POPA Federal Credit Union $267,976 $187,241 $233,051 80.34% $5,360 4.00% 0.42% 3.58% 23.61% 24.61%Strata Federal Credit Union $270,629 $187,795 $232,445 80.79% $4,262 3.96% 0.30% 3.66% 5.53% 6.62%Matadors Community Credit Union $271,139 $223,453 $238,154 93.83% $6,233 4.29% 0.97% 3.32% 14.02% 14.86%Eagle Community Credit Union $272,069 $203,792 $227,005 89.77% $3,359 4.37% 0.39% 3.98% 19.86% 23.68%Long Beach City Employees Federal Credit Union $295,788 $93,066 $262,574 35.44% $11,162 2.35% 0.97% 1.39% (2.57%) (3.34%)I.L.W.U. Federal Credit Union $308,907 $223,093 $272,578 81.85% $4,982 4.40% 0.78% 3.61% 23.24% 28.20%SAG-AFTRA Federal Credit Union $327,343 $139,101 $297,351 46.78% $6,749 3.30% 0.25% 3.05% 0.38% (1.01%)Wheelhouse Credit Union $333,464 $236,130 $290,278 81.35% $3,456 4.04% 0.69% 3.35% 1.17% 8.73%Cabrillo Credit Union $336,498 $223,791 $276,326 80.99% $3,824 4.07% 0.49% 3.58% 3.79% 6.85%Gain Federal Credit Union $379,824 $208,596 $347,876 59.96% $5,586 3.30% 0.51% 2.79% 11.36% 12.03%Aerospace Federal Credit Union $383,412 $88,315 $336,720 26.23% $15,336 2.58% 0.86% 1.72% 1.36% (3.07%)Glendale Area Schools Credit Union $389,182 $120,094 $330,396 36.35% $14,969 2.69% 1.06% 1.63% 11.83% 12.16%America's Christian Credit Union $427,258 $302,083 $367,873 82.12% $4,747 3.96% 0.97% 2.99% (6.57%) (6.91%)LA Financial Federal Credit Union $428,591 $337,220 $377,164 89.41% $5,425 3.69% 0.24% 3.45% 9.21% 8.43%Sun Community Federal Credit Union $480,709 $379,952 $428,152 88.74% $3,587 3.88% 0.67% 3.20% 23.13% 30.97%CBC Federal Credit Union $498,761 $318,332 $375,166 84.85% $4,938 3.83% 0.67% 3.16% 28.55% 5.92%

Average of Asset Group B $354,472 $217,003 $305,819 71.18% $6,498 3.67% 0.64% 3.03% 10.49% 10.55%


Foothill Federal Credit Union $520,561 $315,578 $448,600 70.35% $6,427 3.38% 0.70% 2.68% 22.28% 21.57%MyPoint Credit Union $539,264 $436,023 $468,688 93.03% $4,164 3.57% 0.43% 3.14% 8.66% 10.13%SkyOne Federal Credit Union $547,905 $353,897 $459,992 76.94% $5,707 4.11% 0.88% 3.23% 31.32% 13.13%USC Credit Union $606,998 $460,961 $548,958 83.97% $5,700 3.49% 0.69% 2.79% 10.11% 9.95%First Financial Federal Credit Union $608,691 $423,535 $556,920 76.05% $3,804 4.18% 0.43% 3.75% 2.85% 3.09%AltaOne Federal Credit Union $623,261 $429,596 $552,322 77.78% $3,824 4.35% 0.22% 4.13% 6.88% 8.13%Certified Federal Credit Union $636,229 $364,331 $501,036 72.72% $5,758 4.30% 0.71% 3.59% 11.42% 14.76%Safe 1 Credit Union $684,775 $504,230 $575,615 87.60% $5,456 3.24% 0.51% 2.74% 19.59% 25.00%Evangelical Christian Credit Union $691,036 $395,484 $586,146 67.47% $6,709 3.25% 1.00% 2.26% (13.89%) (21.96%)Christian Community Credit Union $707,198 $568,583 $609,774 93.24% $5,918 3.74% 0.78% 2.96% 7.40% 8.13%First City Credit Union $734,106 $300,901 $640,317 46.99% $6,017 3.19% 0.28% 2.92% 19.77% 19.77%University Credit Union $750,061 $415,944 $683,510 60.85% $8,288 3.17% 0.38% 2.88% 5.51% 6.03%SCE Federal Credit Union $761,047 $566,434 $677,989 83.55% $3,883 4.52% 0.76% 3.76% 17.75% 24.22%Water and Power Community Credit Union $775,649 $433,233 $661,392 65.50% $6,687 3.45% 0.49% 2.96% 15.40% 10.50%American First Credit Union $778,093 $484,804 $592,468 81.83% $6,225 3.23% 1.06% 2.17% (2.90%) 8.75%Southland Credit Union $880,137 $550,012 $703,057 78.23% $5,624 3.29% 0.65% 2.64% 29.29% 12.96%Sesloc Federal Credit Union $897,398 $643,542 $801,940 80.25% $5,455 3.71% 0.39% 3.33% 20.37% 22.11%Xceed Financial Federal Credit Union $902,303 $671,793 $740,077 90.77% $4,891 3.48% 0.88% 2.75% 8.15% 10.86%Honda Federal Credit Union $917,588 $735,373 $783,703 93.83% $5,155 4.10% 0.90% 3.21% 16.37% 16.07%Frontwave Credit Union $920,333 $619,739 $792,471 78.20% $3,533 3.38% 0.48% 3.16% 19.55% 22.52%Ventura County Credit Union $945,242 $660,420 $843,305 78.31% $4,762 3.91% 0.39% 3.53% 17.97% 20.71%

Average of Asset Group C $734,661 $492,115 $629,918 77.97% $5,428 3.67% 0.62% 3.08% 13.04% 12.69%

















Los Angeles Police Federal Credit Union $1,020,418 $713,577 $886,111 80.53% $7,062 4.17% 0.47% 3.71% 16.40% 19.14%Los Angeles Federal Credit Union $1,033,444 $704,639 $890,427 79.13% $6,582 3.69% 0.39% 3.29% 17.57% 12.51%University & State Employees Credit Union $1,043,216 $763,750 $885,152 86.28% $5,670 3.56% 0.45% 3.11% 7.63% 10.13%Farmers Insurance Group Federal Credit Union $1,128,727 $864,508 $915,373 94.44% $5,759 5.50% 1.31% 4.19% 49.51% 46.77%CoastHills Credit Union $1,218,521 $996,665 $1,031,203 96.65% $4,488 4.33% 0.98% 3.35% 5.78% 8.12%Northrop Grumman Federal Credit Union $1,250,194 $804,386 $1,097,130 73.32% $6,411 3.73% 0.92% 2.81% 18.77% 16.81%Firefighters First Federal Credit Union $1,530,913 $1,287,421 $1,384,135 93.01% $8,601 3.42% 0.96% 2.46% 11.35% 13.15%Financial Partners Credit Union $1,542,001 $1,212,564 $1,304,920 92.92% $5,478 3.46% 0.97% 2.48% 10.30% 19.00%LBS Financial Credit Union $1,586,380 $1,084,604 $1,369,891 79.17% $7,211 3.37% 0.83% 2.53% 13.49% 15.35%Arrowhead Central Credit Union $1,587,282 $723,425 $1,339,448 54.01% $3,924 3.43% 0.16% 3.27% 25.60% 32.50%Altura Credit Union $1,595,966 $1,166,574 $1,399,992 83.33% $4,167 3.99% 0.47% 3.53% 21.30% 23.57%First Entertainment Credit Union $1,658,725 $1,116,608 $1,489,818 74.95% $6,331 3.59% 0.47% 3.12% 11.15% 12.73%Caltech Employees Federal Credit Union $1,809,973 $540,119 $1,615,225 33.44% $25,139 2.75% 1.40% 1.34% 3.25% 1.41%Orange County's Credit Union $1,827,850 $1,289,682 $1,585,583 81.34% $5,659 3.24% 0.69% 2.55% 15.90% 16.99%F&A Federal Credit Union $1,842,321 $367,586 $1,491,365 24.65% $18,423 2.49% 1.05% 1.44% 20.43% 8.47%Credit Union of Southern California $1,861,506 $1,087,026 $1,425,129 76.28% $5,565 3.45% 0.49% 2.97% 43.21% 16.61%Valley Strong Credit Union $1,926,854 $1,180,109 $1,702,229 69.33% $4,615 2.37% 0.52% 2.77% 28.84% 31.60%Partners Federal Credit Union $1,949,714 $1,640,468 $1,694,297 96.82% $4,986 4.18% 0.78% 3.40% 8.94% 13.53%NuVision Federal Credit Union $2,407,553 $1,936,540 $2,064,332 93.81% $4,634 4.26% 0.76% 3.49% 6.41% 10.13%Premier America Credit Union $2,922,060 $2,215,481 $2,593,661 85.42% $8,909 3.49% 1.31% 2.19% 12.59% 12.38%California Coast Credit Union $3,002,691 $2,224,929 $2,452,587 90.72% $5,747 3.28% 0.37% 2.92% 54.30% 25.92%UNIFY Financial Federal Credit Union $3,200,953 $2,518,483 $2,530,539 99.52% $5,304 4.37% 0.80% 3.58% 19.41% 14.61%California Credit Union $3,293,608 $2,364,275 $2,785,973 84.86% $6,220 3.13% 0.49% 2.87% 12.89% 20.19%Mission Federal Credit Union $4,302,840 $2,866,822 $3,398,502 84.36% $6,896 3.20% 0.47% 2.73% 46.33% 17.49%Wescom Central Credit Union $4,382,903 $2,352,957 $3,334,929 70.55% $5,714 3.47% 0.75% 2.72% 75.06% 19.45%Kinecta Federal Credit Union $4,854,116 $3,959,755 $4,419,431 89.60% $7,256 3.30% 1.10% 2.57% 12.84% 18.67%Logix Federal Credit Union $6,971,659 $5,608,084 $5,383,367 104.17% $9,271 3.71% 1.05% 2.66% 43.01% 18.84%San Diego County Credit Union $8,745,262 $6,460,335 $7,275,459 88.80% $9,983 3.06% 0.53% 2.53% 13.14% 14.37%SchoolsFirst Federal Credit Union $19,961,071 $11,681,353 $17,127,438 68.20% $8,472 3.82% 0.95% 2.87% 76.35% 75.82%

Average of Asset Group D $3,153,749 $2,128,715 $2,650,815 80.33% $7,396 3.58% 0.75% 2.88% 24.20% 19.53%




Asset Quality

Asset Quality Run Date: June 4, 2020March 31, 2020

Summary Trends of Historical Asset Group Averages: Non-Performing Loans/Loans, Reserves/Loans & Delinquent Loans/Total Assets

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Huntington Beach City Employees Credit Union $53,904 $198 1.72% 1.94% 112.63% 2.94% 0.37%Cal State L.A. Federal Credit Union $54,976 $109 0.29% 0.58% 200.92% 1.66% 0.20%County Schools Federal Credit Union $61,181 $269 0.59% 0.95% 162.08% 6.02% 0.44%North County Credit Union $64,229 $120 0.26% 0.47% 180.00% 2.42% 0.19%Pacific Transportation Federal Credit Union $65,039 $127 0.30% 0.49% 161.42% 4.09% 0.20%Polam Federal Credit Union $65,215 $216 0.68% 2.06% 305.56% 2.77% 0.33%CalCom Federal Credit Union $65,673 $303 0.69% 0.82% 117.49% 3.25% 0.46%Bourns Employees Federal Credit Union $67,806 $114 0.35% 1.23% 350.00% 1.21% 0.17%JACOM Credit Union $70,154 $75 0.39% 0.69% 177.33% 0.79% 0.11%Bopti Federal Credit Union $71,668 $277 1.18% 1.18% 99.28% 2.01% 0.39%Nikkei Credit Union $73,108 $109 0.32% 0.22% 66.97% 1.13% 0.15%Allied Healthcare Federal Credit Union $73,435 $563 1.11% 0.35% 31.26% 7.34% 0.77%PostCity Financial Credit Union $73,462 $50 0.20% 0.25% 124.00% 0.70% 0.07%Universal City Studios Credit Union $74,270 $189 0.47% 0.97% 207.41% 2.81% 0.25%Santa Ana Federal Credit Union $76,582 $64 0.13% 0.15% 120.31% 0.80% 0.08%Union Yes Federal Credit Union $78,238 $53 0.17% 0.15% 88.68% 1.46% 0.07%Paradise Valley Federal Credit Union $78,670 $136 0.31% 0.85% 275.74% 1.45% 0.17%Prospectors Federal Credit Union $79,422 $39 0.08% 0.21% 264.10% 0.42% 0.05%VA Desert Pacific Federal Credit Union $79,525 $28 0.07% 0.42% 582.14% 0.18% 0.04%Glendale Federal Credit Union $82,660 $116 0.24% 0.55% 230.17% 0.96% 0.14%La Loma Federal Credit Union $86,911 $128 0.29% 1.16% 402.34% 2.96% 0.15%Thinkwise Federal Credit Union $90,027 $896 2.05% 2.07% 101.34% 7.70% 1.00%Interfaith Federal Credit Union $90,230 $180 0.32% 0.44% 138.33% 1.72% 0.20%Technicolor Federal Credit Union $93,270 $91 0.17% 0.50% 290.11% 1.12% 0.10%Rancho Federal Credit Union $99,136 $98 0.17% 0.35% 203.06% 1.22% 0.10%San Diego Firefighters Federal Credit Union $108,014 $35 0.07% 0.45% 605.71% 0.37% 0.03%South Bay Credit Union $113,816 $467 0.53% 0.98% 186.30% 3.67% 0.41%California Bear Credit Union $114,530 $392 0.44% 0.42% 95.92% 4.76% 0.34%Pasadena Service Federal Credit Union $121,258 $342 0.49% 0.92% 189.18% 2.84% 0.28%Ontario Montclair School Employees Federal Credit Union $122,240 $90 0.15% 0.46% 317.78% 0.72% 0.07%East County Schools Federal Credit Union $127,433 $242 0.27% 0.31% 112.81% 2.11% 0.19%Clearpath Federal Credit Union $130,340 $716 0.83% 0.57% 69.41% 5.26% 0.55%First Imperial Credit Union $130,684 $1,298 1.32% 2.37% 179.74% 11.15% 0.99%Schools Federal Credit Union $131,871 $455 0.60% 2.96% 489.67% 2.20% 0.35%Sea Air Federal Credit Union $134,713 $539 1.66% 1.14% 68.46% 1.74% 0.40%Torrance Community Federal Credit Union $141,123 $38 0.09% 0.81% 939.47% 0.28% 0.03%California Lithuanian Credit Union $146,580 $0 0.00% 0.68% NA 0.00% 0.00%Camino Federal Credit Union $150,989 $443 0.47% 1.11% 236.79% 2.77% 0.29%Chaffey Federal Credit Union $165,119 $417 0.44% 0.31% 70.98% 3.03% 0.25%Priority One Credit Union $168,737 $311 0.37% 0.48% 130.23% 1.58% 0.18%E-Central Credit Union $179,809 $360 0.30% 0.66% 222.50% 1.10% 0.20%Pasadena Federal Credit Union $182,702 $40 0.04% 0.22% 560.00% 0.23% 0.02%Alta Vista Credit Union $185,604 $868 0.68% 1.28% 188.36% 5.52% 0.47%Long Beach Firemen's Credit Union $190,870 $0 0.00% 1.38% NA 0.00% 0.00%Edwards Federal Credit Union $204,672 $249 0.32% 0.61% 191.16% 1.48% 0.12%Parsons Federal Credit Union $237,176 $236 0.17% 0.23% 129.66% 0.84% 0.10%Downey Federal Credit Union $237,855 $174 0.15% 0.40% 273.56% 0.58% 0.07%Santa Barbara Teachers Federal Credit Union $243,695 $13 0.02% 0.23% NM 0.05% 0.01%UMe Federal Credit Union $245,608 $424 0.44% 0.48% 110.38% 1.87% 0.17%

Average of Asset Group A $118,045 $259 0.46% 0.79% 225.23% 2.31% 0.24%





NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Asset Quality Data-S Page 40 of 49











POPA Federal Credit Union $267,976 $207 0.11% 1.03% 935.75% 4.44% 0.08%Strata Federal Credit Union $270,629 $702 0.37% 1.13% 302.42% 2.38% 0.26%Matadors Community Credit Union $271,139 $441 0.20% 0.45% 229.48% 1.47% 0.16%Eagle Community Credit Union $272,069 $515 0.25% 0.91% 361.55% 1.83% 0.19%Long Beach City Employees Federal Credit Union $295,788 $308 0.33% 0.15% 46.10% 0.93% 0.10%I.L.W.U. Federal Credit Union $308,907 $916 0.41% 0.55% 133.30% 2.85% 0.30%SAG-AFTRA Federal Credit Union $327,343 $518 0.37% 0.79% 211.97% 1.82% 0.16%Wheelhouse Credit Union $333,464 $511 0.22% 1.17% 540.12% 1.56% 0.15%Cabrillo Credit Union $336,498 $286 0.13% 0.54% 423.78% 0.85% 0.08%Gain Federal Credit Union $379,824 $404 0.19% 0.74% 383.66% 1.35% 0.11%Aerospace Federal Credit Union $383,412 $156 0.18% 0.26% 147.44% 0.34% 0.04%Glendale Area Schools Credit Union $389,182 $228 0.19% 1.00% 524.56% 0.39% 0.06%America's Christian Credit Union $427,258 $1,013 0.34% 0.95% 283.61% 2.25% 0.24%LA Financial Federal Credit Union $428,591 $1,164 0.35% 0.28% 82.04% 2.74% 0.27%Sun Community Federal Credit Union $480,709 $649 0.17% 0.69% 402.31% 1.52% 0.14%CBC Federal Credit Union $498,761 $1,161 0.36% 1.17% 321.10% 2.79% 0.23%

Average of Asset Group B $354,472 $574 0.26% 0.74% 333.07% 1.84% 0.16%


Foothill Federal Credit Union $520,561 $473 0.15% 0.44% 290.49% 0.72% 0.09%MyPoint Credit Union $539,264 $1,903 0.44% 0.37% 84.03% 4.03% 0.35%SkyOne Federal Credit Union $547,905 $6,430 1.82% 2.05% 112.58% 14.78% 1.17%USC Credit Union $606,998 $2,901 0.63% 0.56% 89.59% 5.37% 0.48%First Financial Federal Credit Union $608,691 $3,537 0.84% 0.61% 72.77% 7.14% 0.58%AltaOne Federal Credit Union $623,261 $4,366 1.02% 1.61% 158.82% 9.56% 0.70%Certified Federal Credit Union $636,229 $1,476 0.41% 1.01% 249.32% 1.19% 0.23%Safe 1 Credit Union $684,775 $2,396 0.48% 0.75% 156.93% 2.54% 0.35%Evangelical Christian Credit Union $691,036 $1,458 0.37% 3.13% 849.11% 2.06% 0.21%Christian Community Credit Union $707,198 $1,126 0.20% 0.56% 280.55% 1.18% 0.16%First City Credit Union $734,106 $552 0.18% 0.65% 356.34% 0.65% 0.08%University Credit Union $750,061 $2,442 0.59% 0.72% 122.77% 4.60% 0.33%SCE Federal Credit Union $761,047 $4,264 0.75% 1.10% 145.76% 5.33% 0.56%Water and Power Community Credit Union $775,649 $2,110 0.49% 0.60% 123.79% 2.95% 0.27%American First Credit Union $778,093 $882 0.18% 0.74% 404.31% 1.57% 0.11%Southland Credit Union $880,137 $3,494 0.64% 0.62% 97.97% 3.95% 0.40%Sesloc Federal Credit Union $897,398 $2,551 0.40% 0.51% 129.24% 3.14% 0.28%Xceed Financial Federal Credit Union $902,303 $3,910 0.58% 0.46% 79.00% 4.16% 0.43%Honda Federal Credit Union $917,588 $2,771 0.38% 0.25% 67.05% 3.25% 0.30%Frontwave Credit Union $920,333 $1,469 0.24% 0.85% 357.66% 1.33% 0.16%Ventura County Credit Union $945,242 $2,861 0.43% 0.91% 209.30% 3.09% 0.30%

Average of Asset Group C $734,661 $2,542 0.53% 0.88% 211.30% 3.93% 0.36%














Los Angeles Police Federal Credit Union $1,020,418 $3,460 0.48% 0.40% 83.50% 2.64% 0.34%Los Angeles Federal Credit Union $1,033,444 $2,955 0.42% 0.69% 165.31% 2.50% 0.29%University & State Employees Credit Union $1,043,216 $2,037 0.27% 0.66% 247.37% 1.95% 0.20%Farmers Insurance Group Federal Credit Union $1,128,727 $5,245 0.61% 1.23% 203.22% 4.28% 0.46%CoastHills Credit Union $1,218,521 $3,775 0.38% 1.22% 322.75% 4.09% 0.31%Northrop Grumman Federal Credit Union $1,250,194 $1,917 0.24% 0.59% 247.68% 1.38% 0.15%Firefighters First Federal Credit Union $1,530,913 $1,220 0.09% 0.34% 359.18% 0.87% 0.08%Financial Partners Credit Union $1,542,001 $3,605 0.30% 0.29% 99.20% 2.61% 0.23%LBS Financial Credit Union $1,586,380 $3,738 0.34% 0.39% 114.21% 1.99% 0.24%Arrowhead Central Credit Union $1,587,282 $3,475 0.48% 1.85% 384.95% 1.65% 0.22%Altura Credit Union $1,595,966 $3,916 0.34% 1.16% 346.25% 2.32% 0.25%First Entertainment Credit Union $1,658,725 $7,704 0.69% 1.07% 154.37% 4.95% 0.46%Caltech Employees Federal Credit Union $1,809,973 $215 0.04% 0.35% 880.00% 0.11% 0.01%Orange County's Credit Union $1,827,850 $5,582 0.43% 0.55% 126.28% 2.91% 0.31%F&A Federal Credit Union $1,842,321 $827 0.22% 0.00% 0.00% 0.27% 0.04%Credit Union of Southern California $1,861,506 $4,021 0.37% 0.88% 236.68% 1.85% 0.22%Valley Strong Credit Union $1,926,854 $2,612 0.22% 0.62% 281.47% 1.57% 0.14%Partners Federal Credit Union $1,949,714 $8,271 0.50% 0.99% 196.26% 3.85% 0.42%NuVision Federal Credit Union $2,407,553 $12,854 0.66% 0.59% 88.27% 4.58% 0.53%Premier America Credit Union $2,922,060 $9,237 0.42% 0.40% 96.93% 5.16% 0.32%California Coast Credit Union $3,002,691 $2,584 0.12% 0.56% 479.22% 0.77% 0.09%UNIFY Financial Federal Credit Union $3,200,953 $29,151 1.16% 0.84% 72.84% 10.18% 0.91%California Credit Union $3,293,608 $9,749 0.41% 0.28% 67.00% 2.69% 0.30%Mission Federal Credit Union $4,302,840 $2,665 0.09% 0.58% 624.50% 0.52% 0.06%Wescom Central Credit Union $4,382,903 $4,563 0.19% 0.70% 358.40% 1.31% 0.10%Kinecta Federal Credit Union $4,854,116 $12,472 0.31% 0.78% 246.95% 3.10% 0.26%Logix Federal Credit Union $6,971,659 $18,349 0.33% 1.20% 367.76% 1.78% 0.26%San Diego County Credit Union $8,745,262 $11,288 0.17% 0.45% 256.06% 0.79% 0.13%SchoolsFirst Federal Credit Union $19,961,071 $43,831 0.38% 0.69% 183.69% 1.92% 0.22%

Average of Asset Group D $3,153,749 $7,632 0.37% 0.70% 251.39% 2.57% 0.26%




Net Worth


Summary Trends of Historical Asset Group Averages: Delinquent Loans/Net Worth & Classified Assets/Net Worth

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NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Net Worth Graph-S Page 44 of 49


Summary Trends of Historical Asset Group Averages: Net Worth/Assets & Net Worth Growth (Decline) - YTD

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NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Net Worth Graph-S Page 45 of 49









Huntington Beach City Employees Credit Union $53,904 $6,520 12.10% 4.03% 3.04% 3.42%Cal State L.A. Federal Credit Union $54,976 $6,347 11.55% 3.05% 1.72% 3.45%County Schools Federal Credit Union $61,181 $4,269 6.98% 0.09% 6.30% 10.21%North County Credit Union $64,229 $6,215 9.68% 0.97% 1.93% 3.48%Pacific Transportation Federal Credit Union $65,039 $13,309 20.46% 34.19% 0.95% 1.54%Polam Federal Credit Union $65,215 $7,141 10.95% 2.25% 3.02% 9.24%CalCom Federal Credit Union $65,673 $9,508 14.48% 2.84% 3.19% 3.74%Bourns Employees Federal Credit Union $67,806 $8,982 13.25% 29.25% 1.27% 4.44%JACOM Credit Union $70,154 $11,369 16.21% 4.05% 0.66% 1.17%Bopti Federal Credit Union $71,668 $13,504 18.84% 3.95% 2.05% 2.04%Nikkei Credit Union $73,108 $9,337 12.77% 1.81% 1.17% 0.78%Allied Healthcare Federal Credit Union $73,435 $7,360 10.02% 5.06% 7.65% 2.39%PostCity Financial Credit Union $73,462 $9,415 12.82% 2.09% 0.53% 0.66%Universal City Studios Credit Union $74,270 $6,938 9.34% 3.78% 2.72% 5.65%Santa Ana Federal Credit Union $76,582 $7,789 10.17% 10.22% 0.82% 0.99%Union Yes Federal Credit Union $78,238 $5,933 7.58% 46.76% 0.89% 0.79%Paradise Valley Federal Credit Union $78,670 $8,988 11.42% (0.09%) 1.51% 4.17%Prospectors Federal Credit Union $79,422 $9,087 11.44% 2.39% 0.43% 1.13%VA Desert Pacific Federal Credit Union $79,525 $14,535 18.28% 10.22% 0.19% 1.12%Glendale Federal Credit Union $82,660 $11,734 14.20% 0.27% 0.99% 2.28%La Loma Federal Credit Union $86,911 $6,042 6.95% 11.93% 2.12% 8.52%Thinkwise Federal Credit Union $90,027 $11,646 12.94% (3.61%) 7.69% 7.80%Interfaith Federal Credit Union $90,230 $10,221 11.33% 4.63% 1.76% 2.44%Technicolor Federal Credit Union $93,270 $7,871 8.44% 21.30% 1.16% 3.35%Rancho Federal Credit Union $99,136 $7,649 7.72% (1.36%) 1.28% 2.60%San Diego Firefighters Federal Credit Union $108,014 $8,506 7.87% 1.37% 0.41% 2.49%South Bay Credit Union $113,816 $12,690 11.15% 5.27% 3.68% 6.86%California Bear Credit Union $114,530 $7,868 6.87% (37.17%) 4.98% 4.78%Pasadena Service Federal Credit Union $121,258 $12,834 10.58% 0.94% 2.66% 5.04%Ontario Montclair School Employees Federal Credit Union $122,240 $13,299 10.88% 3.55% 0.68% 2.15%East County Schools Federal Credit Union $127,433 $11,189 8.78% 5.10% 2.16% 2.44%Clearpath Federal Credit Union $130,340 $13,222 10.14% 4.81% 5.42% 3.76%First Imperial Credit Union $130,684 $13,493 10.32% 6.23% 9.62% 17.29%Schools Federal Credit Union $131,871 $18,399 13.95% 3.40% 2.47% 12.11%Sea Air Federal Credit Union $134,713 $32,523 24.14% (1.46%) 1.66% 1.13%Torrance Community Federal Credit Union $141,123 $11,871 8.41% 2.75% 0.32% 3.01%California Lithuanian Credit Union $146,580 $21,543 14.70% 13.47% 0.00% 2.72%Camino Federal Credit Union $150,989 $16,175 10.71% 5.13% 2.74% 6.49%Chaffey Federal Credit Union $165,119 $14,313 8.67% 3.84% 2.91% 2.07%Priority One Credit Union $168,737 $18,399 10.90% 3.33% 1.69% 2.20%E-Central Credit Union $179,809 $31,887 17.73% 2.50% 1.13% 2.51%Pasadena Federal Credit Union $182,702 $16,997 9.30% (1.38%) 0.24% 1.32%Alta Vista Credit Union $185,604 $14,360 7.74% 7.03% 6.04% 11.39%Long Beach Firemen's Credit Union $190,870 $41,476 21.73% 6.63% 0.00% 4.63%Edwards Federal Credit Union $204,672 $16,340 7.98% 0.76% 1.52% 2.91%Parsons Federal Credit Union $237,176 $29,073 12.26% 0.25% 0.81% 1.05%Downey Federal Credit Union $237,855 $28,682 12.06% 4.31% 0.61% 1.66%Santa Barbara Teachers Federal Credit Union $243,695 $28,379 11.65% 2.27% 0.05% 0.55%UMe Federal Credit Union $245,608 $22,905 9.33% 8.31% 1.85% 2.04%

Average of Asset Group A $118,045 $13,839 11.79% 5.13% 2.22% 3.88%




NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. Net Worth Data-S Page 46 of 49










POPA Federal Credit Union $267,976 $32,286 12.05% 7.30% 0.64% 6.00%Strata Federal Credit Union $270,629 $36,033 13.31% 4.89% 1.95% 5.89%Matadors Community Credit Union $271,139 $29,498 10.88% 5.82% 1.50% 3.43%Eagle Community Credit Union $272,069 $26,438 9.72% 1.69% 1.95% 7.04%Long Beach City Employees Federal Credit Union $295,788 $36,022 12.18% 0.00% 0.86% 0.39%I.L.W.U. Federal Credit Union $308,907 $34,298 11.10% 5.81% 2.67% 3.56%SAG-AFTRA Federal Credit Union $327,343 $28,908 8.83% 7.03% 1.79% 3.80%Wheelhouse Credit Union $333,464 $29,819 8.94% (0.31%) 1.71% 9.26%Cabrillo Credit Union $336,498 $32,472 9.65% 3.58% 0.88% 3.73%Gain Federal Credit Union $379,824 $29,445 7.75% (3.17%) 1.37% 5.26%Aerospace Federal Credit Union $383,412 $39,494 10.30% 2.69% 0.39% 0.58%Glendale Area Schools Credit Union $389,182 $56,310 14.47% 4.26% 0.40% 2.12%America's Christian Credit Union $427,258 $44,464 10.41% (0.73%) 2.28% 6.46%LA Financial Federal Credit Union $428,591 $41,102 9.59% 9.58% 2.83% 2.32%Sun Community Federal Credit Union $480,709 $46,688 9.71% 0.48% 1.39% 5.59%CBC Federal Credit Union $498,761 $45,376 9.10% (4.85%) 2.56% 8.22%

Average of Asset Group B $354,472 $36,791 10.50% 2.75% 1.57% 4.60%


Foothill Federal Credit Union $520,561 $62,544 12.01% 5.85% 0.76% 2.20%MyPoint Credit Union $539,264 $46,142 8.56% 4.65% 4.12% 3.47%SkyOne Federal Credit Union $547,905 $46,542 8.49% 0.78% 13.82% 15.55%USC Credit Union $606,998 $51,765 8.53% 2.93% 5.60% 5.02%First Financial Federal Credit Union $608,691 $48,705 8.00% 3.83% 7.26% 5.28%AltaOne Federal Credit Union $623,261 $64,028 10.27% (3.06%) 6.82% 10.83%Certified Federal Credit Union $636,229 $126,781 19.93% 5.45% 1.16% 2.90%Safe 1 Credit Union $684,775 $104,306 15.23% 3.18% 2.30% 3.60%Evangelical Christian Credit Union $691,036 $59,169 8.56% 7.79% 2.46% 20.92%Christian Community Credit Union $707,198 $91,890 12.99% 4.16% 1.23% 3.44%First City Credit Union $734,106 $84,811 11.55% 7.26% 0.65% 2.32%University Credit Union $750,061 $65,620 8.75% 3.22% 3.72% 4.57%SCE Federal Credit Union $761,047 $77,123 10.13% (4.29%) 5.53% 8.06%Water and Power Community Credit Union $775,649 $67,842 8.75% 4.41% 3.11% 3.85%American First Credit Union $778,093 $80,902 10.40% (1.66%) 1.09% 4.41%Southland Credit Union $880,137 $88,154 10.02% (1.44%) 3.96% 3.88%Sesloc Federal Credit Union $897,398 $87,825 9.79% 3.63% 2.90% 3.75%Xceed Financial Federal Credit Union $902,303 $93,765 10.39% (5.84%) 4.17% 3.29%Honda Federal Credit Union $917,588 $86,709 9.45% 4.58% 3.20% 2.14%Frontwave Credit Union $920,333 $113,217 12.30% 0.56% 1.30% 4.64%Ventura County Credit Union $945,242 $90,884 9.61% 10.06% 3.15% 6.59%

Average of Asset Group C $734,661 $78,034 10.65% 2.67% 3.73% 5.75%













Los Angeles Police Federal Credit Union $1,020,418 $129,139 12.66% 5.37% 2.68% 2.24%Los Angeles Federal Credit Union $1,033,444 $127,648 12.35% 8.39% 2.31% 3.83%University & State Employees Credit Union $1,043,216 $102,507 9.83% 1.87% 1.99% 4.92%Farmers Insurance Group Federal Credit Union $1,128,727 $115,137 10.20% (9.17%) 4.56% 9.26%CoastHills Credit Union $1,218,521 $113,351 9.30% 7.68% 3.33% 10.75%Northrop Grumman Federal Credit Union $1,250,194 $132,220 10.58% 4.36% 1.45% 3.59%Firefighters First Federal Credit Union $1,530,913 $135,974 8.88% 4.91% 0.90% 3.22%Financial Partners Credit Union $1,542,001 $136,540 8.85% 7.04% 2.64% 2.62%LBS Financial Credit Union $1,586,380 $212,901 13.42% 4.73% 1.76% 2.01%Arrowhead Central Credit Union $1,587,282 $206,858 13.03% 8.71% 1.68% 6.47%Altura Credit Union $1,595,966 $179,229 11.23% 9.61% 2.18% 7.57%First Entertainment Credit Union $1,658,725 $149,575 9.02% (2.88%) 5.15% 7.95%Caltech Employees Federal Credit Union $1,809,973 $178,630 9.87% 6.22% 0.12% 1.06%Orange County's Credit Union $1,827,850 $184,537 10.10% 6.28% 3.02% 3.82%F&A Federal Credit Union $1,842,321 $282,391 15.33% 4.84% 0.29% 0.00%Credit Union of Southern California $1,861,506 $218,217 11.72% 8.48% 1.84% 4.36%Valley Strong Credit Union $1,926,854 $183,669 9.53% 0.03% 1.42% 4.00%Partners Federal Credit Union $1,949,714 $212,966 10.92% 4.38% 3.88% 7.62%NuVision Federal Credit Union $2,407,553 $272,185 11.31% (0.74%) 4.72% 4.17%Premier America Credit Union $2,922,060 $299,934 10.26% 54.10% 3.08% 2.98%California Coast Credit Union $3,002,691 $326,702 10.88% 6.50% 0.79% 3.79%UNIFY Financial Federal Credit Union $3,200,953 $277,717 8.68% 4.59% 10.50% 7.65%California Credit Union $3,293,608 $371,517 11.28% (0.44%) 2.62% 1.76%Mission Federal Credit Union $4,302,840 $542,329 12.60% 7.83% 0.49% 3.07%Wescom Central Credit Union $4,382,903 $354,497 8.09% 4.72% 1.29% 4.61%Kinecta Federal Credit Union $4,854,116 $390,364 8.04% (0.37%) 3.19% 7.89%Logix Federal Credit Union $6,971,659 $1,023,806 14.69% 7.02% 1.79% 6.59%San Diego County Credit Union $8,745,262 $1,421,060 16.25% 5.75% 0.79% 2.03%SchoolsFirst Federal Credit Union $19,961,071 $2,231,661 11.18% 65.14% 1.96% 3.61%

Average of Asset Group D $3,153,749 $362,526 11.04% 8.10% 2.50% 4.60%




Definitions

Credit Union Index | D E F I N I T I O N S

Total assets ($000) All assets owned by the credit union as of the date indicated, as carried on the balance sheet and defined under the indicated accounting principles.

Net income ($000) Net income after taxes, minority interest, and extraordinary and other after-tax items. Noncontrolling interest may be included, per relevant accounting standards. FASB Accounting Standards Codification® (ASC) Section 810-10-65, which includes noncontrolling interests for fiscal years starting after December 15, 2008, for example.

Return on average assets (%) Return on average assets; net income as a percent of average assets.

Return on average net worth (%)

Return on average equity; net income as a percent of average equity.

Operational expense ÷ operational revenue (%)

Noninterest expense before foreclosed property expense, amortization of intangibles, and goodwill impairments as a percent of net interest income (fully taxable equivalent, if available) and noninterest revenues, excluding only gains from securities transactions and nonrecurring items.

Salary expense ÷ employees Salary and benefits expense divided by number of full-time equivalent employees at end of period.

Total loans and leases ($000) The total of loans and lease financing receivables, net unearned income. Includes loans secured by real estate; loans to depository institutions; loans to finance agricultural production and other loans to farmers; commercial and industrial loans; acceptances of other banks (both US and foreign); loans to individuals for household, family, and other personal expenditures; loans to foreign governments and official institutions; obligations of states and political subdivisions in the United States; other loans (for purchasing or carrying securities, for example, and not including consumer loans); lease financing receivables (net unearned income); and less any unearned income on loans reflected in items above.

Total shares and deposits ($000)

Amounts in customers’ banking deposits; any accounts subject to federal banking deposit insurance, including any portions in jumbo deposits that aren’t insured but subject to the FDIC deposit regulations.

Total assets ÷ employees Total assets divided by number of full-time equivalent employees at end of period.

Total loans ÷ total shares (%) Total loans as a percent of total shares.

Yield on average assets (%) Return earned on average assets, expressed as a percent. Total interest and dividend income divided by average assets.

Interest expense ÷ average assets (%)

Total interest expense as a percent of average assets.

Net interest income ÷ average assets (%)

Interest on loans and investments less cost of funds as a percent of average assets.

Asset growth rate (%) Growth in total assets. Annualized is equal to (current period total assets minus previous period total assets) divided by previous period total assets.

Market growth rate (%) The annualized change in shares and deposits calculated as current period shares and deposits less prior period shares and deposits as a percent of prior period shares and deposits.

Delinquent loans => 2 months ($000)

Loans that are greater than or equal to 60 days delinquent.

NPL ÷ loans (%) Total nonperforming loans as a percent of total loans and leases, net of unearned income and gross of reserve.

Reserves ÷ loans (%) Reserves for loan losses as a percent of loans before reserves.

Reserves ÷ nonperforming loans (%)

Loan loss reserves as a percent of nonperforming loans.

Delinquent loans ÷ assets (%) Total delinquent loans greater than or equal to 60 days as a percent of total assets.

NPAs ÷ equity LLRs (%) Nonperforming assets (loans delinquent at least 60 days and other real estate owned) as a percent of equity and loan loss reserves.

Total net worth ($000) Sum of undivided earnings, regular reserves, appropriation for non-conforming investments, other reserves, uninsured secondary capital, and net income.

Net worth ÷ assets (%) Net worth as a percent of total assets.

Net worth growth (decline) - YTD (%)

The annualized change in net worth calculated as current period net worth less prior period net worth as a percent of prior period net worth.

Total delinquent loans ÷ net worth (%)

Total delinquent loans as a percent of net worth.

Classified assets ÷ net worth (%)

Classified assets, the sum of allowance for loan losses and appropriation for non conforming investments, as a percent of net worth.

Documents

Credit Union Index...2020/03/31 · 0.00% 0.10% 0.20% 0.30% 0.40% 0.50% 0.60% 0.70% 0.80% 12/1/2017 1/1/2018 2/1/2018 3/1/2018 4/1/2018 5/1/2018 6/1/2018 7/1/2018 8/1/2018 9/1/2018