Lagging States: Credit Union Market Share

+++ Deposits as of June 30, 1997 Adjusted for pending and completed mergers to 3/31/98 ($ in thousands)

Credit Union

State

Jun-97 Market Share

1 Puerto RBanks $22,483,788

Credit Unions 264,095 1.16%

2 Delaware Banks 42,225,015

Credit Unions 712,478 1.66

3 Arkansas Banks 28,290,804

Credit Unions 823,305 2.83

4 New JersBanks 131,445,366

Credit Unions 5,099,105 3.73

5 New York Banks 415,907,584

Credit Unions18,347,476 4.23

6 MississiBanks 25,368,343

Credit Unions 1,253,285 4.71

7 South DaBanks 13,214,644

Credit Unions 676,848 4.87

8 Nebraska Banks 26,005,570

Credit Unions 1,394,057 5.09

9 Kentucky Banks 45,504,562

Credit Unions 2,516,440 5.24

10 Ohio Banks 147,828,992

Credit Unions 8,635,606 5.52

CU Deposits as a % of Total Depository Institution balances

All $3,860,413,375

Banks $3,528,521,882

Credit Unions$351,891,49 9.12

CU Deposit growth % 6/96 to 6/97 3.75

Overall Depository Institution Deposit Gr 4.53 ===

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