Page 28 - US Market Performance Report 1Q 2018

United States Credit Unions
SOURCE: NCUA 5300 CALL REPORTS, 2018 PROJECTED
BASED ON MARCH 2017-2018 YOY TREND
Performance Tables
United States Credit Unions % DISTRIBUTION
RATIO TO CA 2000
2001 2002 2003 2004 2005 2006 2007
2000 2001 2002 2003 2004 2005 2006 2007
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
47.26% 1.17% 50.54% 0.90% 47.25% 0.85% 47.46% 0.89% 49.09% 0.94% 49.49% 0.97% 50.19% 0.99% 50.72% 1.00% 50.79% 0.97% 51.10% 0.98%
7.07% 18.56% 3.72% 7.70% 19.58% 3.37% 7.23% 17.97% 3.22% 7.20% 17.76% 3.36% 7.06% 18.28% 3.61% 6.97% 18.24% 3.67% 7.08% 18.85% 3.81% 6.88% 18.68% 3.83% 6.67% 18.63% 3.81% 6.58% 18.47% 3.90%
5.61% 7.10% 6.43% 7.62% 6.18% 7.27% 6.50% 7.49% 7.00% 7.69% 7.21% 7.75% 7.25% 7.91% 7.11% 7.88% 7.01% 8.01% 6.91% 8.10%
9.50% 100.00%
3.85% 100.00% 10.01% 100.00% 9.34% 100.00% 6.34% 100.00% 5.71% 100.00% 3.91% 100.00% 3.91% 100.00% 4.11% 100.00% 3.97% 100.00%
NON-INTEREST EXPENSE
Employee Travel & Conferences Occupancy Operations Marketing Loan Servicing Pro Services Other Total NonInterest
49.04% 1.59% 49.37% 1.47% 49.40% 1.45% 49.88% 1.40% 49.98% 1.36% 49.94% 1.34% 49.99% 1.35% 50.11% 1.33%
6.40% 22.46% 3.31% 6.47% 22.24% 3.35% 6.44% 21.85% 3.36% 6.52% 21.50% 3.48% 6.64% 21.17% 3.63% 6.83% 20.73% 3.77% 7.07% 20.33% 3.93% 7.25% 20.10% 4.01%
5.13% 7.32% 5.12% 7.39% 5.42% 7.42% 5.62% 7.44% 5.81% 7.43% 5.94% 7.47% 5.98% 7.49% 5.91% 7.48%
4.75% 100.00% 4.59% 100.00% 4.66% 100.00% 4.16% 100.00% 3.99% 100.00% 3.97% 100.00% 3.86% 100.00% 3.81% 100.00%
50.86% 0.99% 6.52% 18.41% 4.01% 7.11% 8.31% 3.78% 100.00%
1.00 0.86 0.92 1.00 0.88 0.93 1.00 0.90 0.93 1.00 0.94 0.91 1.00 0.93 0.90
0.98 0.92 0.92
0.99 0.93 0.91
0.99 0.93 0.90
0.95 0.88 0.94 0.89 0.92 0.92 0.93 0.92 0.93 0.93 0.94 0.93 0.95 0.95 0.94 0.96
0.93 1.17 1.53 0.95 1.18 1.49 0.99 1.25 1.50 1.02 1.23 1.45 1.06 1.29 1.29 1.09 1.31 1.29 1.13 1.27 1.10 1.18 1.25 1.20
1.00 1.03 0.90 0.99 1.13 0.85 0.99 1.15 0.88 0.99 1.07 0.89 0.97 1.00 0.90 0.97 0.98 0.92
0.96 0.96 0.93
0.97 0.93 0.95
0.98 0.93 0.93
0.97 0.85 0.94
0.95 1.07 0.93 1.18 0.93 1.23 0.95 1.20 0.95 1.18 0.95 1.18 0.95 1.11 0.97 1.11 0.96 1.09 0.96 1.08
1.21 1.27 0.91 1.22 1.21 1.13 1.28 1.19 0.97 1.20 1.13 0.97 1.23 1.13 1.08 1.23 1.13 1.10 1.20 1.17 1.35 1.05 1.17 1.24 1.08 1.14 1.23 1.10 1.16 1.21
0.98 0.85 0.95 0.98 1.09 1.08 1.11 1.12
Total NonInterest
Expense to Income
40.91% 41.96% 46.83% 51.70% 54.42% 52.11% 48.88% 46.71% 52.06% 48.48% 56.94% 60.82% 62.15% 65.94% 65.81% 65.96% 64.72% 62.93%
2018
59.20%
1.06 1.08 1.06 1.05 1.05 1.05 1.07 1.07 1.03 1.06 1.04 1.01 1.00 0.99 0.98 0.97 0.99 1.00
2018
1.02
©2018 Data Based Marketing of California, Inc. All rights reserved.
Market Performance Report: 2000-2018 United States Credit Unions
2018 projected from March 2017-2017 trend Page 26