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CU Snapshot

 2Q '09 1Q '09
# of CUs7,982 7,998
Members
(millions)		91.991.7
Total Assets
($ billions)		871.8867.4
Total Savings
($ billions)		741.8737.2
Net Cap.
/Assets		9.6%9.6%
Loans to Savings78.5%78.8%
Loan Delinq.1.60% 1.54%

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Credit Union Indicators


 Percent change from:
($ billions) last
month 		one
year
ago
Assets
Loans $ 582.179 0.2% 5.8%
Invests. $ 260.38 0.8% 13.4%
Cash $ #REF! #REF! #REF!
Other $ 29.2 3.8% -5.7%
Total $ 871.76 0.5% 7.5%
Members 91.9 0.2% 1.4%
# of Cus 7,982 7998 8,305

Liabilities & Equity
Savings $ 741.797 0.7% 8.5%
Liabilities1 $ 46.623 -1.1% 24.7%
Res. & UDE $ 83.34 0.7% -7.1%
Total $ 871.76 0.5% 7.5%

Credit Union Ratios

Month Loan
Delinq. ($) 		Loan/
Savings 		Capital/
Assets 		% of
Surplus
Funds
Liquid2
Apr-09 1.6% 78.5% 9.6% 58.0%
Mar-09 1.5% 78.8% 9.6% 58.2%
Feb-09 1.5% 79.9% 10.3% 60.1%
Apr-08 1.0% 80.5% 11.1% 58.2%
Percent of Total Savings
Month Share
Drafts 		Cer-
tificates 		MMAs IRAs Regular/
Other
Apr-09 11.3% 32.1% 19.4% 9.8% 27.4%
Mar-09 11.3% 32.5% 19.3% 9.5% 27.4%
Feb-09 11.8% 32.6% 18.9% 9.5% 27.1%
Apr-08 11.2% 33.8% 18.2% 9.0% 27.8%

Savings Rates

Month     CU
Regular
Shares
Apr-09 0.7%
Mar-09 0.7%
Feb-09 0.7%
Apr-08 1.0%
Share Draft/Checking
Month   CUs Banks,
S&Ls3
Apr-09 0.5% 0.2%
Mar-09 0.5% 0.2%
Feb-09 0.5% 0.2%
Apr-08 0.5% 0.2%
Money Market Accounts
Month   CUs Banks,
S&Ls3		MM
Funds4
Apr-09 1.4% 0.5% 0.2%
Mar-09 1.5% 0.5% 0.2%
Feb-09 1.6% 0.5% 0.3%
Apr-08 2.2% 0.7% 2.2%
Certificates (One Year)
Month   CUs Banks,
S&Ls3
Apr-09 2.3% 1.4%
Mar-09 2.5% 1.4%
Feb-09 2.7% 1.5%
Apr-08 3.3% 2.0%


Loan Rates5 and Investment Yields

New-Auto Loans
Month   CUs Banks,
S&Ls3		Auto
Fin.
Cos6
Apr-09 5.8% 6.8% 2.7%
Mar-09 5.8% 6.8% 3.2%
Feb-09 5.8% 6.9% 8.2%
Apr-08 5.9% 7.1% 5.4%
Personal Loans
Month   CUs Banks,
S&Ls3
Apr-09 11.7% 14.2%
Mar-09 11.8% 14.2%
Feb-09 11.7% 14.0%
Apr-08 11.9% 14.5%
6-Month T-Bills
Month   Discount Yield
Apr-09 0.35% 0.36%
Mar-09 0.42% 0.43%
Feb-09 0.45% 0.46%
Apr-08 4.89% 5.08%
1 Includes borrowing and other liabilites.
2 Surplus funds = cash + investments. Liquid means maturing in less than one year.
3 Bank Rate Monitor, Miami Beach, 33140.
4 Donoghue's money fund average.
5 For fixed-rate loans only.
6 Federal Reserve Board.

* Cash accounts are broken down into three components due to the removal of overnight deposits and cash equivalents from total investments. We will combine investments and cash and report these items as surplus funds.

These indicators are estimated from a monthly credit union sample and are revised periodically.

Data prepared by: Kurt Quickel
Phone: 608-231-4399