Credit unions, generally set up by groups of individuals with a common link, such as membership in a labor union, are not-for-profit financial cooperatives that offer personal loans and other consumer banking services. Originating in Europe, the first credit union in this country was formed in Manchester, New Hampshire in 1909. Credit unions now serve more than 80 million people in the United States. In 1934, President Roosevelt signed the Federal Credit Union Act into law, authorizing the establishment of federally chartered credit unions in all states. The purpose of the federal law was “to make more available to people of small means credit for provident [provisions for the future] purposes through a national system of cooperative credit...” In 1970, the National Credit Union Administration, which charters and supervises credit unions, was created along with the National Credit Union Share Insurance Fund, which insures members’ deposits. Individual credit unions are served by 31 federally insured corporate credit unions, which provide investment, liquidity and payment services for their members.

CREDIT UNION NATIONAL STATISTICS AS OF DECEMBER 31, 2009 MEMBERSHIP   Dec-06 Dec-07 Dec-08 Dec-09 # of Members  87,414,670 88,500,886 89,919,778 91,192,455 # of New Members (YTD)  1,341,546 1,086,216 1,418,892 1,272,677 A S S E T S   Dec-06 Dec-07 Dec-08 Dec-09 Total Assets $ (In Millions)  $726,208.52 $770,099.73 $823,662.49 $896,824.20 Total Assets $ Growth (In Millions) $33,935.39 $43,891.21 $53,562.76 $73,161.71 Total Assets % Growth (YTD)  4.9 6.04 6.96 8.88 Return On Assets (ROA)-Annualized  0.82 0.64 -0.01 0.18 NET WORTH   Dec-06 Dec-07 Dec-08 Dec-09 Net Worth $ (In Millions)  $83,756.35 $88,125.49 $87,751.56 $88,737.22 Net Worth Ratio  11.53 11.44 10.65 9.89 TOTAL LOANS   Dec-06 Dec-07 Dec-08 Dec-09 Total Loans ($) (In Millions)  $505,544.41 $538,602.81 $574,753.63 $580,454.24 Total Loans ($) Growth (In Mil)  $37,936.77 $33,058.40 $36,150.82 $5,700.61 Total Loans ($) Growth % (YTD) 8.11 6.54 6.71 0.99 Yield on Loans (Annualized)  6.49 6.74 6.61 6.29 LOAN DELINQUENCY   Dec-06 Dec-07 Dec-08 Dec-09 Delinquent Loans To Total Loans  0.68 0.93 1.37 1.83 Net Charge Offs To Avg Loan  0.45 0.5 0.84 1.21 DEPOSITS   Dec-06 Dec-07 Dec-08 Dec-09 Total Deposits ($) (In Mil)  $615,303.07 $646,819.67 $691,764.55 $763,341.59 Total Deposits ($) Growth (In Mil)  $26,125.51 $31,516.60 $44,944.88 $71,577.04 Total Deposits ($) Growth % (YTD) 4.43 5.12 6.95 10.35 BRANCH DELIVERY   Dec-06 Dec-07 Dec-08 Dec-09 Number of CUs 8,536 8,268 7,968 7,710 # of Branch Offices 20,291 20,848 21,403 21,341