Download - The Long View
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The Long ViewNCUA Chairman Debbie Matz
Presentation toCredit Union Association of the Dakotas
June 27, 2012
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Success Story:Credit Unions Are Recovering
Positive Trends in Federally Insured Credit Unions2009 - 2012
12/31/2009 12/31/2010 3/31/2012
Return on Assets
Net Worth
Delinquencies
Net Charge-Offs
Members
0.18 %
9.92 %
1.84 %
1.21 %
89.92 Million
0.50 %
10.08 %
1.76 %
1.13 %
90.49 Million
0.84 %
10.01 %
1.44 %
0.78 %
92.52 Million1
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Credit Union Assets by CAMEL Codes
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12/31/2009 12/31/2010 3/31/2012
Return on Assets
Net Worth
Delinquencies
Net Charge-Offs
Members
0.59 %
11.30 %
1.50 %
0.96 %
1.73 Million
0.62 %
11.14 %
1.45 %
0.80 %
1.71 Million
0.93 %
10.80 %
1.24 %
0.61 %
1.76 Million
South Dakota CU TrendsPositive Trends in South Dakota Credit Unions
2009 - 2012
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Key Indicators
Year-End 2009
Year-End 2010
1st Qtr. 2012South Dakota
1st Qtr. 2012USA
ROA 0.22% 0.20% 0.71% 0.84 %
Net Worth 9.33% 9.30% 9.17% 10.01 %
Delinquency 1.14% 1.11% 0.84% 1.44 %
Charge-Offs 0.41% 0.42% 0.25% 0.78 %
Members 240,864 242,692 247,138 92.52 Million
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12/31/2009 12/31/2010 3/31/2012
Return on Assets
Net Worth
Delinquencies
Net Charge-Offs
Members
- 0.26 %
9.47 %
3.09 %
2.11 %
4.56 Million
0.09 %
9.69 %
3.17 %
2.14 %
4.53 Million
0.82 %
9.66 %
2.65 %
1.42 %
4.66 Million
North Dakota CU TrendsPositive Trends in North Dakota Credit Unions
2009 - 2012
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Key Indicators
Year-End 2009
Year-End 2010
1st Qtr. 2012North Dakota
1st Qtr. 2012USA
ROA 0.82% 0.74% 1.09% 0.84 %
Net Worth 10.72% 10.56% 10.13% 10.01 %
Delinquency 1.04% 0.79% 0.50% 1.44 %
Charge-Offs 0.26% 0.23% 0.07% 0.78 %
Members 201,428 202,181 205,777 92.52 Million
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Streamlining Existing RegsTargeting New RegsMinimizing Reg Burdens
Regulatory Modernization
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Reallocating NCUA Resources Past allocations were based on # of CUs, rather than assets and risks
-5
10 15 20 25 30 35 40 45
Less than
$10M
$10 to $50M
$50 to $100M
$100 to $250M
$250 to $500M
$500M to $1B
$1 to $2.5B
$2.5 to $5B
Greater than $5B
Share of FICUs, Assets and Exam Hoursby Asset Size Credit Unions
Assets
Exam Hours
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www.NCUA.gov
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• Free monthly newsletter• News and analysis you won’t
find anywhere else:– “Plain-English” summaries
of every open NCUA Board action
– Monthly columns by all 3 NCUA Board Members
– Rotating columns by each NCUA Regional Director and key Office Directors
• Learn not just the “what” – but also the “why” – behind NCUA initiatives.
• Click “NCUA Newsletter” when you sign up for NCUA Express!
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What Credit Unions Need to DoDue DiligenceBoard TrainingStrategic PlanningAsk Questions…
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Attract Younger Members
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Offer New Technology
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What We Can Do TogetherLegislation: Member Business Lending Supplemental Capital
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Communication
At NCUA: We Hear You!
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Listening Session Dates
Times Locations NCUA Regions
May 2 1:00-4:00 EDT Boston 1
May 9 1:00-4:00 EDT Alexandria 2
June 5 1:00-4:00 CDT St. Louis 4
June 13 1:00-4:00 EDT Orlando 3
July 10 1:00-4:00 PDT San Diego 2
July 31 1:00-4:00 MDT Denver 5
September [TBD] [TBD] Online Webinar Open to All14
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The Long ViewNCUA Chairman Debbie Matz
Presentation toCredit Union Association of the Dakotas
June 27, 2012