{"text_format":"1","workbook":"xlsx","n_sheets":7,"sheets":["ROA REQ 4 Cap","Bal Adj Type 5","ROA","Growth & Capital","NCUA FPR Agg Ratios","NCUA FPR Liabilities","NCUA FPR Assets"],"not_rendered":{"charts":0,"images":2,"macros":1,"external_links":2,"defined_names":285,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"ROA REQ 4 Cap","index":0,"n_rows":35,"n_cols":14,"rows_kept":35,"cut":false,"hidden":true,"merged":[]}
["Current Assets:",31845]
["Current Net Cap $:",1637]
["Current Net Cap %:",{"$f":"B2/B1","v":5.1405244151358144E-2}]
["Target Net Cap %:",5.6500000000000002E-2]
[]
[null,null,"To Achieve Net Capital Ratio of",{"$f":"B4","v":5.6500000000000002E-2}]
[]
[null,"Asset Size","ROA","Cap $"]
[null,34000,{"$f":"(D9-$B$2)/(($B$1+B9)/2)","v":8.6263193864378456E-3},{"$f":"B9*$B$4","v":1921}]
[null,33000,7.0167322075719019E-3,1864.5]
[null,32000,5.3567233142767642E-3,1808]
[null,{"$f":"B1","v":31845},5.0947558486418611E-3,1799.2425000000001]
[null,31000,3.6438857506563768E-3,1751.5]
[null,30000,1.8756568841458484E-3,1695]
[null,29000,4.9305612622236831E-5,1638.5]
[]
["-- TOTAL ROA & Capital for CU --"]
[]
[]
[null,"1999-12-31","2000-01-01","2000-02-01","2000-03-01","2000-04-01","2000-05-01","2000-06-01","2000-07-01","2000-08-01","2000-09-01","2000-10-01","2000-11-01","2000-12-01"]
["Assets",{"$f":"B1","v":31845},{"$f":"B21","v":31845},{"$f":"C21","v":31845},{"$f":"D21","v":31845},31845,31845,31845,31845,31845,31845,31845,31845,31845]
["Loss/Sale",null,0,0,0,0,0,0,0,0,0,0,0,0]
["ROA-w/o Loss",null,0.01,{"$f":"C23","v":0.01},{"$f":"D23","v":0.01},0.01,0.01,0.01,0.01,0.01,0.01,0.01,0.01,0.01]
["Income-w/o Loss",null,{"$f":"C23*C21/365*C27","v":27.046438356164384},25.301506849315068,27.046438356164384,26.173972602739724,27.046438356164384,26.173972602739724,27.046438356164384,27.046438356164384,26.173972602739724,27.046438356164384,26.173972602739724,27.046438356164384]
["Capital",{"$f":"B2","v":1637},{"$f":"B25+C22+C24","v":1664.0464383561643},{"$f":"C25+D22+D24","v":1689.3479452054794},1716.3943835616437,1742.5683561643834,1769.6147945205478,1795.7887671232875,1822.8352054794518,1849.8816438356162,1876.0556164383559,1903.1020547945202,1929.2760273972599,1956.3224657534242]
["Cap %",{"$f":"B25/B21","v":5.1405244151358144E-2},{"$f":"C25/C21","v":5.2254559219851289E-2},5.3049079767796492E-2,5.3898394836289644E-2,5.4720312644508821E-2,5.5569627713001973E-2,5.6391545521221151E-2,5.7240860589714296E-2,5.8090175658207448E-2,5.8912093466426625E-2,5.9761408534919777E-2,6.0583326343138948E-2,6.14326414116321E-2]
["Days",null,31,29,31,30,31,30,31,31,30,31,30,31]
["Cmltive Days",null,{"$f":"SUM($C$27:C27)","v":31},{"$f":"SUM($C$27:D27)","v":60},{"$f":"SUM($C$27:E27)","v":91},{"$f":"SUM($C$27:F27)","v":121},{"$f":"SUM($C$27:G27)","v":152},{"$f":"SUM($C$27:H27)","v":182},{"$f":"SUM($C$27:I27)","v":213},{"$f":"SUM($C$27:J27)","v":244},{"$f":"SUM($C$27:K27)","v":274},{"$f":"SUM($C$27:L27)","v":305},{"$f":"SUM($C$27:M27)","v":335},{"$f":"SUM($C$27:N27)","v":366}]
["Wgtd Assets",null,{"$f":"C21","v":31845},{"$f":"SUM($C$21:D21)","v":63690},{"$f":"SUM($C$21:E21)","v":95535},{"$f":"SUM($C$21:F21)","v":127380},{"$f":"SUM($C$21:G21)","v":159225},{"$f":"SUM($C$21:H21)","v":191070},{"$f":"SUM($C$21:I21)","v":222915},{"$f":"SUM($C$21:J21)","v":254760},{"$f":"SUM($C$21:K21)","v":286605},{"$f":"SUM($C$21:L21)","v":318450},{"$f":"SUM($C$21:M21)","v":350295},{"$f":"SUM($C$21:N21)","v":382140}]
[null,null,1,2,3,4,5,6,7,8,9,10,11,12]
[null,null,{"$f":"C29/C30","v":31845},31845,31845,31845,31845,31845,31845,31845,31845,31845,31845,31845]
[]
["(After Losses YTD)"]
["Cumulative Net Inc",null,{"$f":"C22+C24","v":27.046438356164384},{"$f":"D22+D24+C34","v":52.347945205479448},79.394383561643835,105.56835616438356,132.61479452054795,158.78876712328767,185.83520547945204,212.88164383561642,239.05561643835614,266.10205479452054,292.27602739726024,319.32246575342464]
["Cumulative ROA",null,{"$f":"C34/C31/C28*366","v":1.0027397260273973E-2},1.0027397260273971E-2,1.0027397260273973E-2,1.0027397260273971E-2,1.0027397260273971E-2,1.0027397260273973E-2,1.0027397260273971E-2,1.0027397260273971E-2,1.0027397260273971E-2,1.0027397260273971E-2,1.0027397260273971E-2,1.0027397260273971E-2]

{"sheet":"Bal Adj Type 5","index":1,"n_rows":36,"n_cols":14,"rows_kept":36,"cut":false,"hidden":true,"merged":[]}
["PURPOSE: Increase or Decrease Treasury/Purch CD/CDs < 1 Yr Maturity Runoffs Proportionately"]
[]
["INSTRUCTIONS: 1) In the model, highlight 'RO16'/'M1' to 'RO25'/'M12' 2) Copy the selection (Hold down 'Ctrl' and hit 'C') "]
["3) In Excel, highlight 'A8', and Paste the selection (Hold down 'Ctrl' and hit 'V') 4) Go to 'D22\" and enter desired balance change"]
["5) Highlight 'A26' to 'L35' 6) Copy the selection 7) In the Decision Model, highlight 'RO16'/'M1' 8) Paste the selection."]
[]
["ORIGINAL RUNOFF - COPY FROM MODEL"]
[0,0,0,0,0,0,0,0,0,0,0,0,null,{"$f":"SUM(A8:M8)","v":0}]
[0,0,0,0,0,0,0,0,0,0,0,0,null,0]
[0,0,0,0,0,0,0,0,0,0,0,0,null,0]
[0,0,0,0,0,0,0,0,0,0,0,0,null,0]
[0,0,0,0,0,0,0,0,0,0,0,0,null,0]
[0,0,0,0,0,0,0,0,0,0,0,0,null,0]
[0,0,0,0,0,0,0,0,0,0,0,0,null,0]
[0,0,0,0,0,0,0,0,0,0,0,0,null,0]
[0,0,0,0,0,0,0,0,0,0,0,0,null,0]
[0,0,0,0,0,0,0,0,0,0,0,0,null,0]
[0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(N8:N17)","v":0}]
[]
[null,null,"Current Balance:",{"$f":"N19","v":0},null,"This # is Calculated"]
[null,null,"Increase or Decrease:",0,null,"Enter this in $000s"]
[null,null,"New Balance:",{"$f":"D21+D22","v":0},null,"This # is Calculated"]
[]
["ADJUSTED RUNOFF - COPY TO MODEL"]
[{"$f":"A8/$D$21*$D$23","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"}]
[{"$f":"A9/$D$21*$D$23","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"}]
[{"$f":"A10/$D$21*$D$23","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"}]
[{"$f":"A11/$D$21*$D$23","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"}]
[{"$f":"A12/$D$21*$D$23","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"}]
[{"$f":"A13/$D$21*$D$23","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"}]
[{"$f":"A14/$D$21*$D$23","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"}]
[{"$f":"A15/$D$21*$D$23","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"}]
[{"$f":"A16/$D$21*$D$23","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"}]
[{"$f":"A17/$D$21*$D$23","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"}]
[{"$error":"#DIV/0!"}]

{"sheet":"ROA","index":2,"n_rows":23,"n_cols":13,"rows_kept":23,"cut":false,"hidden":false,"merged":[[0,0,0,9]]}
["Strategy Lever Calculator"]
[null,null,"% Assets",null,"Rate","Contribution"]
[null,"Loans",0.64149999999999996,null,5.6599999999999998E-2,{"$f":"E3*C3","v":3.6308899999999998E-2}]
[null,"Investments",{"$f":"1-C3-C5","v":0.20540000000000003},null,4.8599999999999997E-2,{"$f":"E4*C4","v":9.9824400000000004E-3},null,"Cost of Funds Calculation"]
[null,"Non-Earning Assets",0.15310000000000001,null,0,{"$f":"E5*C5","v":0},null,null,"% of Funds","Rate","COF"]
[null,"   Total Assets",1,null,{"$f":"F6/C6","v":4.629134E-2},{"$f":"SUM(F3:F5)","v":4.629134E-2},null,"Non-Maturity",{"$f":"1-I7-I8-I9","v":0.64},2E-3,{"$f":"I6*J6","v":1.2800000000000001E-3},null,{"$f":"J6*I6","v":1.2800000000000001E-3}]
[null,null,null,null,null,null,null,"CDs",0.12,3.5000000000000003E-2,{"$f":"I7*J7","v":4.2000000000000006E-3},null,{"$f":"J7*I7","v":4.2000000000000006E-3}]
[null,null,null,null,null,null,null,"Borrowings",0.12,2.8000000000000001E-2,null,null,{"$f":"J8*I8","v":3.3600000000000001E-3}]
[null,"Cost of Funds",1,null,{"$f":"IF(I11>0,I11,M9)","v":1.03E-2},{"$f":"E9*C9","v":1.03E-2},null,"Net Worth",0.12,null,{"$f":"SUM(K6:K7)/SUM(I6:I9)","v":5.4800000000000005E-3},null,{"$f":"SUM(M6:M8)","v":8.8400000000000006E-3}]
[]
[null,"Net Interest Margin",null,null,{"$f":"E6-E9","v":3.5991339999999997E-2},{"$f":"F6-F9","v":3.5991339999999997E-2},null,"COF Override",1.03E-2]
[]
[null,"Operating Expense",null,null,4.19E-2]
[null,"Expected Credit Loss",null,null,3.0999999999999999E-3]
[null,"Fee/Other Income",null,null,1.6E-2]
[null,"   Net Operating Expense",null,null,{"$f":"E13+E14-E15","v":2.8999999999999998E-2},{"$f":"SUM(F13:F15)","v":0},null,"Base ROA"]
[null,null,null,null,null,null,null,null,"Set Base ROA"]
[null,"    Return on Assets",null,null,{"$f":"E11-E16","v":6.9913399999999987E-3},{"$f":"F11-F16","v":3.5991339999999997E-2},null,8.0200000000000028E-3]
[]
[]
["When calculating cost of funds, you can either manually adjust line items or you can choose to override the detailed input with an average rate."]
["Once you arrive at a baseline ROA, click the Set Base ROA button to store it."]
["Then, you can perform what-ifs to see the impact."]

{"sheet":"Growth & Capital","index":3,"n_rows":13,"n_cols":11,"rows_kept":13,"cut":false,"hidden":true,"merged":[]}
[]
[]
[null,"Starting",null,null,null,null,null,null,null,"Growth","Average"]
[null,"Net Worth","Growth","New",null,null,"ROA",null,null,{"$f":"C10-C9","v":{"$error":"#REF!"}},{"$f":"(C9+C10)/2","v":{"$error":"#REF!"}}]
[null,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},null,null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},null,null,"Net Income"]
[]
[]
[null,null,"Assets","Net Inc","Net Worth",null,"Net Worth %"]
[null,"Base",{"$f":"#REF!","v":{"$error":"#REF!"}},null,null,null,{"$f":"B5/C9","v":{"$error":"#REF!"}}]
[null,"Yr 1",{"$f":"C9*(1+C5)","v":{"$error":"#REF!"}},{"$f":"K4*G5","v":{"$error":"#REF!"}},{"$f":"D10+B5","v":{"$error":"#REF!"}},null,{"$f":"E10/C10","v":{"$error":"#REF!"}}]
[null,"Yr 2",{"$f":"C10*(1+$C$5)","v":{"$error":"#REF!"}},{"$f":"((C10+C11)/2)*$G$5","v":{"$error":"#REF!"}},{"$f":"D11+E10","v":{"$error":"#REF!"}},null,{"$f":"E11/C11","v":{"$error":"#REF!"}}]
[null,"Yr 3",{"$f":"C11*(1+$C$5)","v":{"$error":"#REF!"}},{"$f":"((C11+C12)/2)*$G$5","v":{"$error":"#REF!"}},{"$f":"D12+E11","v":{"$error":"#REF!"}},null,{"$f":"E12/C12","v":{"$error":"#REF!"}}]
[null,"Yr 4",{"$f":"C12*(1+$C$5)","v":{"$error":"#REF!"}},{"$f":"((C12+C13)/2)*$G$5","v":{"$error":"#REF!"}},{"$f":"D13+E12","v":{"$error":"#REF!"}},null,{"$f":"E13/C13","v":{"$error":"#REF!"}}]

{"sheet":"NCUA FPR Agg Ratios","index":4,"n_rows":65,"n_cols":10,"rows_kept":65,"cut":false,"hidden":true,"merged":[[61,0,61,6],[60,0,60,6],[62,0,62,6],[63,0,63,6],[64,0,64,6]]}
[null,null,"Ratio Analysis"]
["Return to cover",null,"For Charter :","N/A"]
["02/26/2014",null,"Count of CU :",6554]
["CU Name:      N/A",null,"Asset Range :","N/A"]
["Peer Group:      N/A",null,"Criteria :","Region: Nation * Peer Group: All * Types Included: All  Federally Insured Credit Unions  (FICUs) *  "]
[null,null,"Count of CU in Peer Group :","N/A","","2013-09-30"]
[]
[null,"2012-12-31","2013-03-31","2013-06-30","2013-09-30","PEER Avg","Percentile**","2015-09-30",null,{"$f":"CONCATENATE(TEXT(H8,\"MM/DD/YY\"),\" Reformatted\")","v":"09/30/15 Reformatted"}]
["CAPITAL ADEQUACY"]
["  Net Worth/Total Assets",10.43,10.3,10.5,10.65,"N/A","N/A",10.99,null,{"$f":"H10/100","v":0.1099}]
["  Net Worth/Total Assets--Including Optional\n   Total Assets Election (if used)",10.46,10.35,10.54,10.68,"N/A","N/A",11.03,null,{"$f":"H11/100","v":0.1103}]
["  Total Delinquent Loans / Net Worth 3",6.489201455563963,5.6058086610701823,5.7467045911816959,5.7009319264262635,"N/A","N/A",4.6110464421945423,null,4.611046442194542E-2]
["  Solvency Evaluation (Estimated)",112.14869196732478,111.92296201301937,111.88619732113436,112.06883786745483,"N/A","N/A",112.9261636704632,null,1.129261636704632]
["  Classified Assets (Estimated) / Net Worth",7.6237483027914346,7.2658697281734312,6.9465045357324255,6.7108591250442773,"N/A","N/A",5.4873726434828374,null,5.4873726434828372E-2]
["ASSET QUALITY",null,null,null,null,null,null,null,null,0]
["  Delinquent Loans / Total Loans 3",1.1579540060105178,1.0164842204308611,1.0389964403273981,1.01656292643477,"N/A","N/A",0.77803339568567431,null,7.7803339568567435E-3]
["  * Net Charge-Offs / Average Loans",0.72970428971951473,0.61392354338838839,0.58131133620181996,0.56042593668242624,"N/A","N/A",0.46158084529870103,null,4.6158084529870106E-3]
["  Fair (Market) HTM Invest Value/Book Value HTM Invest.",100.81998763726361,100.73742889725075,99.405623453596903,99.617600460191198,"N/A","N/A",101.03140282591755,null,1.0103140282591756]
["  Accum Unreal G/L On AFS/Cost Of AFS",1.4172969538132349,1.1764130289376147,-0.34278411165161188,-0.62330960591181939,"N/A","N/A",0.38983364890527727,null,3.8983364890527727E-3]
["  Delinquent Loans / Assets 3",0.67716205467998514,0.57775268369167998,0.60378213186616558,0.60757576658237744,"N/A","N/A",0.50716678204732746,null,5.0716678204732746E-3]
["EARNINGS"]
["  * Return On Average Assets",0.85312760730239956,0.82856221831189392,0.844865908071331,0.79854929163390143,"N/A","N/A",0.79773671019012782,null,7.9773671019012782E-3]
["  * Return On Average Assets Excluding Stabilization\n         Income/Expense & NCUSIF Premium 2",0.93175242699314753,0.86254349513408424,0.87946817711472414,0.88214908275090842,"N/A","N/A",0.79832310389562011,null,7.9832310389562015E-3]
["  * Gross Income/Average Assets",5.0833732279829116,4.7272450549826681,4.7524893541907502,4.7614397598553211,"N/A","N/A",4.7048394123445458,null,4.7048394123445456E-2]
["  * Yield on Average Loans",5.4177100134296028,5.1594966117594909,5.0990615052441797,5.0462949998057436,"N/A","N/A",4.6447580458157365,null,4.6447580458157361E-2]
["  * Yield on Average Investments",1.267444595469575,1.0548374792492288,1.0717834025973583,1.1034979261087861,"N/A","N/A",1.2410127316802977,null,1.2410127316802976E-2]
["  * Fee & Other Op.Income / Avg. Assets",1.4319892262782938,1.3588033849930847,1.3869392687879589,1.3815474118080415,"N/A","N/A",1.33789702369705,null,1.3378970236970499E-2]
["  * Cost of Funds / Avg. Assets",0.72959910002093564,0.60669429317663137,0.59884402380771851,0.59238099446034542,"N/A","N/A",0.51062636767524072,null,5.1062636767524074E-3]
["  * Net Margin / Avg. Assets",4.3537741279619766,4.1205507618060366,4.1536453303830312,4.1690587653949756,"N/A","N/A",4.1942130446693051,null,4.1942130446693052E-2]
["  * Operating Exp./ Avg. Assets",3.1832312779455503,3.0690965076940975,3.0928421183885839,3.1467263953135918,"N/A","N/A",3.1139276333080237,null,3.1139276333080237E-2]
["  * Provision For Loan & Lease Losses / Average Assets",0.36066993070189496,0.26769912423343845,0.25685686951721837,0.26054047989993123,"N/A","N/A",0.3169475260335291,null,3.1694752603352912E-3]
["  * Net Interest Margin/Avg. Assets",2.9217849016836825,2.7617473768129521,2.7667060615950723,2.7875113535869334,"N/A","N/A",2.8563160209722551,null,2.8563160209722552E-2]
["   Operating Exp./Gross Income",62.620451719392236,64.923575401684985,65.078359737119925,66.08770779469458,"N/A","N/A",66.185630590019883,null,0.66185630590019884]
["   Fixed Assets & Foreclosed & Repossessed Assets\n      / Total Assets 1",2.3796848462498534,2.3106376787963732,2.3090848531427279,2.3197835098920034,"N/A","N/A",2.229391371239323,null,2.229391371239323E-2]
["  * Net Operating Exp. /Avg. Assets",2.4398866680351357,2.3822361932486396,2.3901998114272311,2.4275916197610949,"N/A","N/A",2.4711169784124989,null,2.4711169784124989E-2]
["ASSET / LIABILITY MANAGEMENT"]
["  Net Long-Term Assets / Total Assets",32.920427202740129,33.500115257046538,34.897928443178031,35.751365795430473,"N/A","N/A",32.403287141066812,null,0.32403287141066811]
["  Reg. Shares / Total Shares & Borrowings",30.416929741771515,31.366867326966069,31.642180761312666,31.586468769956799,"N/A","N/A",33.240328557553767,null,0.33240328557553767]
["  Total Loans / Total Shares",68.062748159733729,65.922423725002432,67.476372431367452,69.708098597044611,"N/A","N/A",77.529505138346977,null,0.77529505138346977]
["  Total Loans / Total Assets",58.479184075108627,56.838332762980393,58.112050092867285,59.7676494767748,"N/A","N/A",65.185734296195037,null,0.65185734296195041]
["  Cash + Short-Term Investments / Assets",17.490718599662276,18.500648789549302,16.503252594297475,15.186694796248171,"N/A","N/A",13.18740992226752,null,0.13187409922267521]
["  Total Shares, Dep. & Borrs / Earning Assets",93.225290251398548,93.270172692430805,93.350555816934573,93.234845204074674,"N/A","N/A",92.983183964970934,null,0.92983183964970939]
["  Reg Shares + Share Drafts / Total Shares & Borrs",42.735317233877815,44.359614052910892,44.363671465436333,44.095273077018796,"N/A","N/A",46.527133651519328,null,0.46527133651519326]
["  Borrowings / Total Shares & Net Worth",2.7009667038615861,2.4746262757589963,2.5676810239633161,2.8949779957680191,"N/A","N/A",4.1750324572864468,null,4.175032457286447E-2]
["  Supervisory Interest Rate Risk Threshold / Net Worth",260.12550394953178,263.87489896117404,269.62536922538732,273.98209902859867,"N/A","N/A",267.06427414670986,null,2.6706427414670988]
["PRODUCTIVITY"]
["  Members / Potential Members",5.7627828191436761,5.6882323442717642,5.6386611648711744,5.558095578730998,"N/A","N/A",5.09662913417342,null,5.09662913417342E-2]
["  Borrowers / Members",50.686569784094871,49.955778200169632,50.672430041572788,51.459876292578087,"N/A","N/A",55.664919532851101,null,0.55664919532851098]
["  Members / Full-Time Employees",384.12895961413659,385.63167910934339,383.77590568863786,385.56472366374163,"N/A","N/A",385.96657213198074,null,3.8596657213198076]
["  Avg. Shares Per Member",9357.6827297941709,9615.5491405880621,9554.5802424925587,9444.7686960790597,"N/A","N/A",9716.9083040095666,null,97.169083040095671]
["  Avg. Loan Balance",12565.648172872186,12688.828552615299,12723.060929560312,12793.984652223413,"N/A","N/A",13533.606059377526,null,135.33606059377524]
[" * Salary And Benefits / Full-Time Empl.",63493.841003310386,65620.798444937085,64953.693484041214,64845.166123333314,"N/A","N/A",68550.229171980696,null,685.50229171980698]
["OTHER RATIOS"]
[" * Net Worth Growth",8.5257827431239033,8.0432026290184346,8.1196025585684684,7.4806134120917864,"N/A","N/A",7.3676775157065331,null,7.3676775157065333E-2]
[" * Market (Share) Growth",6.102701359287896,14.59126086280342,7.1932523253595617,4.2556164027813104,"N/A","N/A",5.844890683296823,null,5.8448906832968231E-2]
[" * Loan Growth",4.5549213831022968,1.5538824136081772,5.4082363286540565,7.5816948339103707,"N/A","N/A",10.693548427366654,null,0.10693548427366655]
[" * Asset Growth",6.2457915790944956,13.146238888879388,6.7059421171780516,4.543861826292078,"N/A","N/A",6.9294389669313876,null,6.929438966931388E-2]
[" * Investment Growth",8.4597071766911132,32.266455224758495,8.5570977178512067,-0.32861256509872239,"N/A","N/A",-1.1092973320849451,null,-1.109297332084945E-2]
[" * Membership Growth",2.1672230740054448,3.4728984248296393,2.9234848426061832,2.9869705498800254,"N/A","N/A",3.8798451065548605,null,3.8798451065548606E-2]
["* Annualization factor: March = 4; June = 2; September =4/3; December = 1 (or no annualizing)"]
["**Percentile Rankings and Peer Average Ratios are produced once a quarter after the data collection is complete. \n  Subsequent corrections to data after this date are not reflected in the Percentile Rank or the Peer Average Ratios until the next cycle."]
["Percentile Rankings show where the credit union stands in relation to its peers in key areas of performance.  To arrive at the percentile ranking, all data for all credit unions in a peer group are arranged in order from highest (100) to lowest (0) value. The percentile ranking assigned to the credit union is a measure of the relative standing of that ratio in the entire range of ratios.  A high or low ranking does not imply good or bad performance. However, when reviewed in relation to other available data, users may draw conclusions as to the importance of the percentile rank to the credit union's financial performance."]
["1 For periods before 2004, the Fixed Assets & Foreclosed and Repossessed assets did not include repossessed vehicles."]
["2 Prior to September 2010, this ratio was named Return on Assets Prior to NCUSIF Stabilization Income/Expense. \n   From December 2010 forward, NCUSIF Premium Expense is also excluded from ROA."]
["3 The NCUA Board approved a regulatory/policy change in May 2012 revising the delinquency reporting requirements for troubled debt restructured (TDR) loans.\n  This policy change may result in a decline in delinquent loans reported as of June 2012."]

{"sheet":"NCUA FPR Liabilities","index":5,"n_rows":57,"n_cols":13,"rows_kept":57,"cut":false,"hidden":true,"merged":[[4,3,4,9]]}
[null,null,"Liabilities, Shares & Equity"]
["Return to cover",null,"For Charter :","N/A"]
["02/26/2014",null,"Count of CU :",6554]
["CU Name:      N/A",null,"Asset Range :","N/A"]
["Peer Group:      N/A",null,"Criteria :","Region: Nation * Peer Group: All * Types Included: All  Federally Insured Credit Unions  (FICUs) *  "]
[null,null,"Count of CU in Peer Group :","N/A",""]
[]
[null,"2012-12-31","2013-03-31","% Chg","2013-06-30","% Chg","2013-09-30","% Chg","2015-09-30"]
["LIABILITIES, SHARES AND EQUITY"]
["LIABILITIES:"]
["   Other Borrowings","N/A","N/A"," ","N/A"," ","N/A"," ","N/A"]
["   Other Notes, Promissory Notes, Interest Payable, &\n       Draws Against Lines of Credit",26224064854,23130274189,-11.797525220534599,24731687753,6.9234525752469454,27821694844,12.494121395436009,45479840442,null,null,"Borrowings/A",{"$f":"I12/$I$47","v":3.8529061370260478E-2}]
["   Borrowing Repurchase Transactions",496537300,2248649860,352.86625194119352,1709747788,-23.965584041616868,2019293185,18.104740311557581,1921241301]
["   Subordinated Debt    ",9914148,9559740,-3.5747701164033461,10011525,4.7259130478443971,12039187,20.253278096993217,13101016]
["   Uninsured Secondary Capital and\n      Subordinated Debt Included in Net Worth 3",244805956,258270350,5.5000271316928249,247511482,-4.1657387307524854,243566961,-1.5936719250866915,174004493]
["   Non-Trading Derivative Liabilities, net",267490607,244957874,-8.423747380408015,198570627,-18.936826256093322,204230924,2.850520787246142,110419071]
["   Accrued Dividends and Interest Payable",10193090675,11277500866,10.638678940232227,11774861697,4.4102043254943961,11252205806,-4.438743353844762,185980272]
["   Accounts Payable & Other Liabilities",37435903540,37169212879,-0.71239274541628983,38672390872,4.044148036961178,41553030907,7.4488284019845068,12044920249]
["TOTAL LIABILITIES",null,null,null,null,null,null,null,59929506844]
[]
["SHARES AND DEPOSITS",111419299483,121500019028,9.0475524364054039,119032494902,-2.0308837362662082,117008661688,-1.7002359025291631]
["    Share Drafts",275119856915,293323271627,6.616539756933669,296069683008,0.93630872373891683,295463127210,-0.20486926990887158,138092860721]
["    Regular Shares",203421734987,208204029064,2.3509258129696025,209021722943,0.39273681814709188,210611766000,0.76070708566190648,345474478579]
["    Money Market Shares",197877610569,196279792800,-0.80747779620213289,194291654910,-1.0129101226562942,192178546994,-1.0875958192742947,227891349365]
["    Share Certificates",79070008792,79102141335,4.0638092104589532E-2,79135529445,4.2208857353937264E-2,79113441805,-2.791115464179858E-2,189024839264,null,null,"CD/A",{"$f":"I25/$I$47","v":0.16013577800023623}]
["    IRA/KEOGH Accounts",8720905688,9181039110,5.2762114218612108,9365017264,2.0038924983949884,8745039260,-6.6201480095851322,76707872362]
["    All Other Shares 1",2274614756,2338055055,2.7890568648012413,2562854787,9.6148177314840861,2803619197,9.3943836077357901,9127545717]
["    Non-Member Deposits",877904031190,909928348019,3.647815215700855,909478957259,-4.9387488693847834E-2,905924202154,-0.39085622340437315,6148004431]
["TOTAL SHARES AND DEPOSITS",null,null,null,null,null,null,null,992466950439]
[]
["EQUITY:",74139296869,75274639822,1.5313646081727585,76371993063,1.4577993911294467,77207578194,1.094098893439533]
["    Undivided Earnings",19268415108,19298056091,0.15383197234365914,19333126918,0.18173243374681619,19362782027,0.15339013252113798,90726329539]
["    Regular Reserves",25889449,26414398,2.0276561312679924,28390472,7.4810487825616914,27714344,-2.3815313813733003,19838514656]
["    Appropriation For Non-Conforming Investments\n    (SCU Only)",11826925684,12073824150,2.0875963255101486,12471369868,3.2926247149292793,12664628298,1.5496166984500823,3604091]
["    Other Reserves",1075328973,1172096257,8.9988539721044045,1234609154,5.3334268944773191,1278648128,3.5670377023626054,14796112872]
["    Equity Acquired in Merger",17834293,15742143,-11.731050958958676,16661247,5.838493526580212,19123354,14.777447330322873,2214672962]
["    Miscellaneous Equity",2316602306,2022535136,-12.693899563095748,-615456415,-130.42994922783876,-1099015925,-78.569253356470412,7435080]
["    Accumulated Unrealized G/L on AFS Securities",-30666651,-29876110,2.5778524039028587,-24997977,16.327872002077914,-27528391,-10.122475110685956,640149824]
["    Accumulated Unrealized Losses for OTTI\n       (due to other factors) on HTM Debt Securities",-50239843,-45369563,9.6940589563546204,-26496562,41.598375104472574,-23010883,13.155212363022795,-9516600]
["    Accumulated Unrealized G/L on Cash Flow Hedges",-2154446177,-2164945284,-0.48732277984403788,-2120968520,2.0313106444310489,-2057681354,2.9838804962555505,-112080415]
["    Other Comprehensive Income",0,615438288,"N/A",1215111196,97.438349172061905,1765432751,45.289810250419258,-2121772267]
["    Net Income",106434940011,108258555328,1.7133615303504002,107883342444,-0.34658959087638491,109118670543,1.1450591639216527,2023633174]
["EQUITY TOTAL",null,null,null,null,null,null,null,128007082916]
[null,984338971201,1018186903347,3.438645947818348,1017362299703,-8.0987453412467783E-2,1015042872697,-0.22798436768072827]
["TOTAL SHARES & EQUITY",null,null,null,null,null,null,null,1120474033355]
[null,1021774874741,1055356116226,3.286559722219847,1056034690575,6.4298139610600047E-2,1056595903604,5.3143427390100723E-2]
["TOTAL LIABILITIES, SHARES, & EQUITY",null,null,null,null,null,null,null,1180403540199]
[]
["NCUA INSURED SAVINGS 2",39652344205,41347782396,4.2757577767273895,41345435455,-5.6760988473883523E-3,43381344777,4.9241453127658197]
["    Uninsured Shares",213588093,428805091,100.7626384865939,518305678,20.872090578793991,529766310,2.211172380789546,52717831181]
["    Uninsured Non-Member Deposits",39865932298,41776587487,4.7927016348639464,41863741133,0.20861839427914114,43911111087,4.8905565976427186,1149028193]
["Total Uninsured Shares & Deposits",838038098892,868151760532,3.5933523404024643,867615216126,-6.1803066052784093E-2,862013091067,-0.64569234781452101,53866859374]
["Insured Shares & Deposits",106624394132,108768398150,2.0108006572546087,110953132649,2.0086114497954477,112606513178,1.4901611964670396,938600091065]
["TOTAL NET WORTH",null,null,null,null,null,null,null,129832018069]
["1  PRIOR TO JUNE 2006, INCLUDED MONEY MKT, SHARE CERTS, IRA/KEOGHs, AND NONMEMBER SHARES FOR SHORT FORM FILERS"]
["2  PRIOR TO 10/03/08 SHARES INSURED UP TO $100,000; 10/03/08 to 05/20/09 SHARES INSURED UP TO $100,000 and $250,000 FOR IRAS; 5/20/09 AND FORWARD SHARES INSURED UP TO $250,000"]
["3 December 2011 and forward includes \"Subordinated Debt Included in Net Worth.\"",null,null,null,null,null,null,null,null,"5. LiabShEquity"]

{"sheet":"NCUA FPR Assets","index":6,"n_rows":62,"n_cols":13,"rows_kept":62,"cut":false,"hidden":true,"merged":[[4,3,4,9],[59,0,59,6],[60,0,60,6],[61,0,61,6]]}
[null,null,"                  Assets"]
["Return to cover",null,"For Charter :","N/A"]
["02/26/2014",null,"Count of CU :",6554]
["CU Name:      N/A",null,"Asset Range :","N/A"]
["Peer Group:      N/A",null,"Criteria :","Region: Nation * Peer Group: All * Types Included: All  Federally Insured Credit Unions  (FICUs) *  "]
[null,null,"Count of CU in Peer Group :","N/A",""]
[]
[null,"2012-12-31","2013-03-31","% Chg","2013-06-30","% Chg","2013-09-30","% Chg","2015-09-30"]
["ASSETS"]
["CASH:"]
["     Cash On Hand",8269616935,7829827728,-5.3181327558070262,7961821810,1.6857852635503094,7889002703,-0.91460357613805976,9594586356]
["     Cash On Deposit",86835930751,104185855118,19.980121381724462,84540176438,-18.856378015757969,73959111994,-12.516018879804363,73803578687]
["     Cash Equivalents",5820525232,6344615486,9.0041745909572573,5424096456,-14.50866537193961,4902359091,-9.6188806602594088,4947902956]
["TOTAL CASH & EQUIVALENTS",100926072918,118360298332,17.27425323302224,97926094704,-17.264406997929466,86750473788,-11.412301235723135,88346067999]
[]
["INVESTMENTS:"]
["    Trading Securities",1239399097,1233124384,-0.50627058025039051,1137524401,-7.7526634166371329,977856890,-14.036403162836416,642188627]
["    Available for Sale Securities",165768749703,173946433142,4.9331876204963647,178930909382,2.8655236844844967,175220410982,-2.0737045448522529,164851173115]
["    Held-to-Maturity Securities",54173847850,57649598027,6.4159189626401991,58997915904,2.3388157474550293,58412892733,-0.99159972354266845,48926763949]
["    Deposits in Commercial Banks, S&Ls, Savings Banks",47085364529,47594133949,1.080525605120138,47736144861,0.29837902324722054,46244346500,-3.1250918257933851,40825799157]
["Loans to, Deposits in, and Investments in Natural\n  Person Credit Unions 2",2486035469,2467516836,-0.74490622643646609,2511849627,1.7966560695029035,2694877036,7.2865591567516237,4864114413]
["    Total MCSD/Nonperpetual Contributed Capital and\n        PIC/Perpetual Contributed Capital",1567025593,1544052788,-1.4660133888445048,1534505341,-0.61833682592981398,1509320948,-1.6412059526353908,1391539720]
["    All Other Investments in Corporate Cus",2321112240,2307561631,-0.58379809327962529,2269356619,-1.6556442734508268,2347782719,3.4558737636642913,1521195371]
["    All Other Investments 2",5785734862,5929398276,2.4830625223351275,6061386052,2.2259893813211611,6123028485,1.016969262000077,7256911172]
["TOTAL INVESTMENTS",280427269343,292671819033,4.3663905149763735,299179592187,2.2235735492067383,293530516293,-1.8881889144594752,270279685524]
[]
["     LOANS HELD FOR SALE",5144710451,4383167132,-14.802452465560535,4024814162,-8.1756629215388088,2910774935,-27.679271195130521,3210418852]
[" "]
["LOANS AND LEASES:"]
["     Unsecured Credit Card Loans",39519263998,38617714249,-2.2812918505912099,39580508383,2.4931411729655424,40711807388,2.858222522189477,46979586776]
["     All Other Unsecured Loans/Lines of Credit",26834844869,26240512457,-2.2147786391214854,27151651441,3.4722606332215196,28237330207,3.9985735982179889,34066191880]
["     Short-Term, Small Amount Loans (STS) (FCUs only)",21266442,18074261,-15.01041405986013,21261716,17.63532683300302,22418228,5.4394104408129618,36091584]
["     Non-Federally Guaranteed Student Loans",2019696696,2246667713,11.237876333090759,2278419680,1.4132916414951835,2513639280,10.323804787360334,3429115529]
["     New Vehicle Loans",63285721527,64567228984,2.024955117961738,66373784933,2.7979456102222868,69005762360,3.9653869817079279,96881755601]
["     Used Vehicle Loans",115198799497,116903083390,1.4794285187358944,121266901888,3.7328514966896806,124986892771,3.0676061028059567,158636292862]
["     1st Mortgage Real Estate Loans/Lines of Credit",246224521348,248487781528,0.91918553343484188,253889999424,2.1740376378994188,262294502972,3.3102932636446059,315530527277]
["     Other Real Estate Loans/Lines of Credit",73967574638,72116693308,-2.5022874402172581,71123688007,-1.3769423630656741,70854337017,-0.37870785043302374,73464211746]
["     Leases Receivable",543126597,609072063,12.141822249960629,704138764,15.608448782192792,715089248,1.5551599428773957,1145906341]
["     Total All Other Loans/Lines of Credit",29910794221,30039993222,0.43194774450118401,31293054149,4.171308953832626,32160756581,2.7728275670009292,39285035741]
["TOTAL LOANS",597525609833,599846821175,0.38847060340204431,613683408385,2.3066867609461412,631502536052,2.9036352333353297,769454715337]
["(ALLOWANCE FOR LOAN & LEASE LOSSES)",8102885989,7876555717,-2.7932056838421846,7678973920,-2.5084796464215757,7529150121,-1.9510913900850961,7120762551]
["     Foreclosed Real Estate",1331050121,1280957720,-3.7633745123261217,1144526065,-10.65075395306568,1073827221,-6.1771283470071081,741556750]
["     Repossesed Autos",161640452,159858279,-1.1025538334921261,152736210,-4.4552393811270798,170825859,11.84371996660124,220737852]
["     Foreclosed and Repossessed Other Assets",21602526,22517915,4.2374164947191826,20549227,-8.7427632620515716,21147833,2.9130341496543881,29523742]
["TOTAL FORECLOSED and REPOSSESSED ASSETS 1",1514293099,1463333914,-3.3652127869863588,1317811502,-9.9445800174354471,1265800913,-3.9467396453184089,991818344]
["Land and Building",17660938400,17742449181,0.46153142689178961,17880117292,0.77592506871839184,18042625284,0.90887542484248707,19454725121]
["Other Fixed Assets",3461182697,3489703408,0.82401634056244677,3502526820,0.36746423694927371,3531917719,0.83913415972072425,4055474362]
["NCUA Share Insurance Capitalization Deposit",8295737730,8316467780,0.24988796264657226,8379801549,0.76154649636603289,8423694401,0.52379345433589575,9057581435]
["     Identifiable Intangible Assets",null,null,null,null,null,null,null,183232275]
["     Goodwill",195700632,195338851,-0.18486450263482029,187976290,-3.76912271281866,181274420,-3.5652741098358733,752895144]
["TOTAL INTANGIBLE ASSETS",691514863,698257090,0.9749937941680944,697373390,-0.12655797021695836,697329971,-6.2260763921605893E-3,936127419]
["     Accrued Interest on Loans",887215495,893595941,0.71915403145658541,885349680,-0.92281764292391744,878604391,-0.76187851561656406,2159043836]
["     Accrued Interest on Investments",1906520702,1882894734,-1.2392190640896592,1900102673,0.91390871137249674,1894935022,-0.27196693491520602,761755119]
["     Non-Trading Derivative Assets, net",855012097,866219789,1.31082262336693,856247306,-1.1512647398084321,840158916,-1.8789419700667647,100103657]
["     All Other Assets",11273197965,13315901524,18.120000778323952,14177798235,6.4726876317503184,14553016011,2.6465165449577297,18716785745]
["TOTAL OTHER ASSETS",14034730764,16065016047,14.466150559922491,16934148214,5.4100921185341901,17288109949,2.0902246190769049,21737688357,null,null,"Non-Earn/A",{"$f":"SUM(I11,I45:I48,I51,I56)/$I$58","v":5.5767370354465634E-2}]
[]
["TOTAL ASSETS",1021774874741,1055356116226,3.286559722219847,1056034690575,6.4298139610600047E-2,1056595903604,5.3143427390100723E-2,1180403540199]
["TOTAL CU's",6819,6753,-0.96788385393752763,6681,-1.0661928031985786,6620,-0.91303697051339627,6090]
["#  Means the number is too large to display in the cell"]
["1  OTHER RE OWNED PRIOR TO 2004  "]
["2  LOANS TO, DEPOSITS IN, AND INVESTMENTS IN NATURAL PERSON CUs INCLUDED IN ALL OTHER INVESTMENTS PRIOR TO JUNE 2006 FOR SHORT FORM FILERS"]