+++
part 1 of 5
Assets
Rank 12/31/97
1 Navy FCU, Merrifield, Va. $9,709,174
2 State Employees CU, Raleigh, N.C. 4,876,082
3 Pentagon FCU, Alexandria, Va. 2,789,318
4 Boeing Employees CU, Seattle, Wash. 2,461,640
5 United Air Lines Empl CU, Arlington Hgh2,305,517
6 American Airlines Empl FCU, Dallas, Tex2,040,893
7 Golden 1 CU, Sacramento, Calif. 2,031,198
8 Orange County Teachers FCU, Santa Ana, 1,778,764
9 Alaska USA FCU , Anchorage 1,748,618
10 Hughes Aircraft Empl FCU, Manh. Beach, 1,718,199
11 Suncoast Schools FCU, Tampa, Fla. 1,681,091
12 Citizens Equity FCU, Peoria, Ill. 1,658,241
13 Star One FCU, Sunnyvale, Calif. 1,425,179
14 Security Service FCU, San Antonio, Tex.1,360,195
15 Jax Navy FCU, Jacksonville, Fla. 1,306,396
16 Patelco CU, San Francisco, Calif. 1,305,271
17 ESL FCU, Rochester, N.Y. 1,302,450
18 America First CU, Riverdale, Utah 1,253,638
19 Delta Employees CU, Hapeville, Ga. 1,189,902
20 Pennsylvania State Empl CU, Harrisburg,1,155,146
21 Wescom CU, Pasadena, Calif. 1,144,381
22 San Antonio FCU, San Antonio, Tex. 1,104,339
23 Ent FCU, Colorado Springs, Colo. 1,073,348
24 Eastern Financial FCU, Miramar, Fla. 1,070,420
25 Lockheed FCU, Burbank, Calif. 1,002,775
26 Dearborn FCU, Dearborn, Mich. 1,001,769
27 Randolph Brooks FCU, Universal City, Tx 937,203
28 Tinker FCU, Oklahoma City, Okla. 925,853
29 Hudson Valley FCU, Poughkeepsie, NY 905,044
30 Atlanta Postal CU, Atlanta, Ga. 886,761
31 Bank Fund Staff FCU, Washington, D.C. 886,219
32 Redstone FCU, Huntsville, Ala. 879,333
33 Visions FCU, Endicott, N.Y. 866,372
34 Desert Schools FCU, Phoenix, Az. 860,028
35 State Employees CU of MD, Towson, Md. 834,106
36 San Diego County CU, San Diego, Calif. 813,263
37 Bethpage FCU, Bethpage, N.Y. 812,086
38 Portland Teachers CU, Portland, Ore. 791,654
39 United Nations FCU, New York City, N.Y. 788,787
40 Texins CU, Richardson, Tx. 778,387
41 Teachers CU, S Bend, Ind. 775,367
42 Mission FCU, San Diego, Calif. 751,072
43 Police & Fire FCU, Philadelphia, Pa. 743,101
44 Bellco First FCU, Denver, Colo. 740,670
45 Tower FCU, Laurel, Md. 721,112
46 North Island FCU, San Diego, Calif. 703,410
47 Travis FCU, Vacaville, Calif. 697,913
48 H. P. FCU, Palo Alto, Calif. 667,261
49 Coastal FCU, Raleigh, N.C. 662,348
50 Teachers FCU, Farmingville, N.Y. 656,707
51 Provident Central CU, Redwood City, Cal 642,570
52 Eastman CU, Kingsport, Tenn. 630,566
53 Members America CU, Kansas City, Mo. 628,321
54 GTE FCU, Tampa, Fla. 614,710
55 Municipal CU, New York City, N.Y. 612,387
56 Georgia Telco CU, Atlanta, Ga. 607,975
57 Northwest FCU, Herndon, Va. 604,200
58 Dallas Teachers CU, Dallas, Tx. 602,599
59 Mountain America CU, Salt Lake City, Ut 602,592
60 Space Coast CU, Melbourne, Fla. 596,268
61 Digital Employees FCU, Maynard, Mass. 576,020
62 Kern Schools FCU, Bakersfield, Calif. 571,964
63 Langley FCU, Hampton, Va. 570,617
64 AT&T Family FCU, Winston-Salem, N.C. 569,107
65 Washington State Empl CU, Olympia, Wash 568,451
66 NWA FCU, Bloomington, Minn. 567,487
67 Founders FCU, Lancaster, S.C. 564,967
68 California CU, Los Angeles, Calif. 559,372
69 S.A.F.E. FCU, N Highlands, Calif. 548,352
70 Eglin FCU, Fort Walton Bch, Fla. 546,580
71 Schools FCU, Sacramento, Calif. 544,856
72 Andrews FCU, Suitland, Md. 541,348
73 IBM Mid America Empl FCU, Rochester, Mi 539,699
74 Educational Employees CU, Fresno, Calif 538,358
75 IAG FCU, Rye, N.Y. 532,354
Totals and averages for the top 75 credit unions
$85,059,721
part 2 of 5
Total
Chg. Loans Chg.
Rank 12/31/97 from '96 from '96
1 Navy FCU, Merr 8.83% $6,458,797 7.58%
2 State Employee 14.24 3,990,200 22.05
3 Pentagon FCU, 12.84 2,048,184 9.57
4 Boeing Employe 9.18 1,351,911 19.11
5 United Air Lin 9.57 1,129,712 13.71
6 American Airli 4.8 1,087,678 2.84
7 Golden 1 CU, S 10.12 1,435,687 6.44
8 Orange County 9.71 1,189,484 14.87
9 Alaska USA FCU 2.28 745,365 17.71
10 Hughes Aircraf 3.44 1,122,114 9.25
11 Suncoast Schoo 15.09 1,225,902 14.61
12 Citizens Equit 9.47 1,267,502 13.28
13 Star One FCU, 9.43 374,717 9.72
14 Security Servi 12.89 1,007,964 10.66
15 Jax Navy FCU, 13.97 812,102 15.27
16 Patelco CU, Sa 10.2 946,184 20.16
17 ESL FCU, Roche 10.87 860,059 -0.94
18 America First 9.23 961,134 13.31
19 Delta Employee 14.16 498,157 29.74
20 Pennsylvania S 7.79 908,170 8.96
21 Wescom CU, Pas 6.72 823,054 12.7
22 San Antonio FC 6.39 985,219 8.27
23 Ent FCU, Color 1.24 573,654 1.72
24 Eastern Financ 17.44 581,505 17.1
25 Lockheed FCU, 5.45 713,669 -3.56
26 Dearborn FCU, 7.24 564,429 1.68
27 Randolph Brook 15.46 604,503 19.28
28 Tinker FCU, Ok 3.39 667,836 4.67
29 Hudson Valley 7.28 478,749 16.45
30 Atlanta Postal 4.98 341,379 7.75
31 Bank Fund Staf 7.69 544,927 12.14
32 Redstone FCU, 5.78 592,087 5.94
33 Visions FCU, E 5.06 366,864 4.43
34 Desert Schools 19.96 490,703 0.82
35 State Employee -2.3 508,293 -0.17
36 San Diego Coun 10.46 453,409 13.73
37 Bethpage FCU, 7.72 333,102 5.59
38 Portland Teach 11.96 586,412 3.58
39 United Nations 12.41 357,876 26.27
40 Texins CU, Ric 9.12 545,289 9.57
41 Teachers CU, S 2.15 565,409 -0.19
42 Mission FCU, S 10.03 476,013 2.69
43 Police & Fire 6.31 440,704 5.45
44 Bellco First F 9.63 610,508 13.69
45 Tower FCU, Lau 4.01 496,929 5.28
46 North Island F 4.59 480,287 3.22
47 Travis FCU, Va 7.25 424,327 6.82
48 H. P. FCU, Pal 15.09 527,639 24.92
49 Coastal FCU, R 12.38 439,789 15.94
50 Teachers FCU, 10.68 323,311 12.87
51 Provident Cent 3.04 502,425 9.77
52 Eastman CU, Ki 5.99 426,644 20.62
53 Members Americ 3.6 296,143 19.38
54 GTE FCU, Tampa 19.23 486,550 14.4
55 Municipal CU, 7.35 473,132 12.8
56 Georgia Telco 4.84 255,920 9.68
57 Northwest FCU, 3.84 340,731 6.36
58 Dallas Teacher 9.49 359,521 -8.95
59 Mountain Ameri 15.43 542,658 14.75
60 Space Coast CU -0.06 330,915 -15.3
61 Digital Employ 26.33 498,397 30.54
62 Kern Schools F 6.56 382,083 0.28
63 Langley FCU, H 3.2 264,728 4.49
64 AT&T Family FC 21.09 501,971 15.78
65 Washington Sta 4.61 484,479 2.23
66 NWA FCU, Bloom 15.13 420,721 20.45
67 Founders FCU, 10.34 457,090 7.61
68 California CU, 9.41 332,079 8.16
69 S.A.F.E. FCU, 4.87 323,800 2.71
70 Eglin FCU, For 4.93 262,168 9.83
71 Schools FCU, S 11.53 334,332 8.94
72 Andrews FCU, S 4.96 256,366 3.94
73 IBM Mid Americ 9.14 349,540 13.28
74 Educational Em 11.46 328,101 9.9
75 IAG FCU, Rye, -1.11 235,652 6.89
Totals and ave 8.97%$54,765,044 10.36%
part 3 of 5
Equity
Capital Number of
Assets Net Income Current
Rank 12/31/97 1997 Members
1 Navy FCU, Merr 11.04% $94,941 1,669,194
2 State Employee 7.24 34,087 660,518
3 Pentagon FCU, 9.45 28,795 405,694
4 Boeing Employe 9.27 22,754 232,404
5 United Air Lin 11.45 34,641 129,851
6 American Airli 8.86 18,777 165,008
7 Golden 1 CU, S 10.32 22,242 323,133
8 Orange County 12.74 25,608 165,245
9 Alaska USA FCU 6.75 13,655 201,208
10 Hughes Aircraf 9.45 14,088 168,930
11 Suncoast Schoo 7.94 17,781 205,427
12 Citizens Equit 8.13 18,479 202,667
13 Star One FCU, 13.78 17,682 54,035
14 Security Servi 6.98 15,894 315,592
15 Jax Navy FCU, 10.81 17,553 202,864
16 Patelco CU, Sa 9.57 18,809 135,527
17 ESL FCU, Roche 10.73 11,079 121,010
18 America First 11.75 15,864 231,188
19 Delta Employee 12.94 13,761 120,379
20 Pennsylvania S 8.78 13,862 241,876
21 Wescom CU, Pas 10.7 11,811 140,701
22 San Antonio FC 5.17 12,453 235,620
23 Ent FCU, Color 8.03 6,431 154,061
24 Eastern Financ 11.26 5,884 156,164
25 Lockheed FCU, 11.76 16,096 96,899
26 Dearborn FCU, 7.73 9,539 169,864
27 Randolph Brook 11.67 10,633 145,371
28 Tinker FCU, Ok 7.01 4,674 159,135
29 Hudson Valley 9.66 13,437 109,728
30 Atlanta Postal 11.66 13,776 78,281
31 Bank Fund Staf 13.39 15,863 36,809
32 Redstone FCU, 10.69 8,455 207,626
33 Visions FCU, E 12.98 8,644 78,747
34 Desert Schools 10.76 13,653 174,385
35 State Employee 9.6 4,855 181,984
36 San Diego Coun 9.99 10,344 106,169
37 Bethpage FCU, 12.5 8,381 85,374
38 Portland Teach 8.91 6,860 123,380
39 United Nations 9.71 9,594 30,448
40 Texins CU, Ric 8.96 7,437 113,730
41 Teachers CU, S 7.88 1,701 155,350
42 Mission FCU, S 11.79 9,849 112,908
43 Police & Fire 10.61 10,107 102,471
44 Bellco First F 11.42 9,633 111,126
45 Tower FCU, Lau 8.76 6,209 97,294
46 North Island F 8.79 3,822 125,977
47 Travis FCU, Va 12.4 5,147 109,373
48 H. P. FCU, Pal 11.86 6,437 62,166
49 Coastal FCU, R 12.93 9,074 79,141
50 Teachers FCU, 11.25 11,165 91,299
51 Provident Cent 13.52 9,528 76,852
52 Eastman CU, Ki 12.48 7,836 41,278
53 Members Americ 13.07 4,010 77,915
54 GTE FCU, Tampa 7.86 7,396 125,715
55 Municipal CU, 11.68 8,129 231,638
56 Georgia Telco 12.93 7,922 73,596
57 Northwest FCU, 9.4 4,525 45,752
58 Dallas Teacher 9.06 5,044 133,310
59 Mountain Ameri 6.96 6,077 108,164
60 Space Coast CU 6.92 -2,043 139,000
61 Digital Employ 7.06 6,727 80,316
62 Kern Schools F 9.25 3,446 92,115
63 Langley FCU, H 15.12 7,636 114,454
64 AT&T Family FC 8.86 7,323 164,171
65 Washington Sta 9.75 5,292 97,151
66 NWA FCU, Bloom 12.37 11,067 84,113
67 Founders FCU, 11.98 7,813 82,436
68 California CU, 12.7 5,593 95,949
69 S.A.F.E. FCU, 13.79 5,323 99,041
70 Eglin FCU, For 11.65 5,462 99,492
71 Schools FCU, S 9.02 4,319 79,085
72 Andrews FCU, S 11.39 5,130 104,317
73 IBM Mid Americ 11.96 7,234 70,520
74 Educational Em 9.76 3,830 83,261
75 IAG FCU, Rye, 7.12 2,180 39,609
Totals and ave 10.10%$889,115 12,022,581
part 4 of 5
Chg. Retuns on Net. Oper. Exp
Avg. assets Avg. assets
Rank From 96 1997 Avg. Assets
1 Navy FCU, Merr 4.24% 0.98% 1.86%
2 State Employee 5.95 0.74 1.29
3 Pentagon FCU, 1.18 1.08 1.83
4 Boeing Employe 10.97 0.96 2.15
5 United Air Lin 2.71 1.57 0.32
6 American Airli 4.51 0.94 0.91
7 Golden 1 CU, S 5.28 1.15 2.23
8 Orange County 10.38 1.47 1.22
9 Alaska USA FCU 2 0.79 2.39
10 Hughes Aircraf 4.9 0.83 2.02
11 Suncoast Schoo 11.34 1.13 1.51
12 Citizens Equit -2.14 1.16 2.08
13 Star One FCU, 4.24 1.3 0.74
14 Security Servi 7.63 1.24 1.69
15 Jax Navy FCU, 8.41 1.44 1.65
16 Patelco CU, Sa 5.87 1.49 1.96
17 ESL FCU, Roche 5.55 0.88 1.89
18 America First 7.85 1.31 2.13
19 Delta Employee 9.71 1.23 1.35
20 Pennsylvania S 5.34 1.23 2.95
21 Wescom CU, Pas 1.01 1.06 2.19
22 San Antonio FC 7.78 1.14 1.85
23 Ent FCU, Color 1.64 0.61 1.92
24 Eastern Financ -0.84 0.6 2.39
25 Lockheed FCU, -9.4 1.65 1.83
26 Dearborn FCU, 1.61 0.97 3.27
27 Randolph Brook 7.83 1.22 1.84
28 Tinker FCU, Ok 1.07 0.51 2.08
29 Hudson Valley -5.16 1.53 2.37
30 Atlanta Postal 3.54 1.59 0.92
31 Bank Fund Staf 5.28 1.89 0.93
32 Redstone FCU, 2.47 0.98 2.81
33 Visions FCU, E 1.42 1.01 1.64
34 Desert Schools 7.6 1.72 2.86
35 State Employee 4.7 0.57 2.62
36 San Diego Coun 5.56 1.33 2.11
37 Bethpage FCU, 6.36 1.07 2.32
38 Portland Teach 6.32 0.91 2.71
39 United Nations 11.58 1.29 1.44
40 Texins CU, Ric 5.19 0.98 2.64
41 Teachers CU, S -0.93 0.22 2.57
42 Mission FCU, S 5.09 1.37 2.91
43 Police & Fire 6.59 1.4 2.19
44 Bellco First F 0.4 1.33 2.07
45 Tower FCU, Lau 2.82 0.86 2.37
46 North Island F -1.48 0.56 2.96
47 Travis FCU, Va 7.15 0.77 2.6
48 H. P. FCU, Pal 6.67 1.03 2.21
49 Coastal FCU, R 1.13 1.44 2.11
50 Teachers FCU, 6 1.76 1.73
51 Provident Cent 3.26 1.51 2.63
52 Eastman CU, Ki 7.62 1.26 1.45
53 Members Americ 6.42 0.65 1.32
54 GTE FCU, Tampa 7.16 1.33 2.56
55 Municipal CU, 5.35 1.36 2.94
56 Georgia Telco 4.49 1.31 2.08
57 Northwest FCU, 4.06 0.76 2.41
58 Dallas Teacher 1.21 0.87 3.23
59 Mountain Ameri 12.81 1.08 2.44
60 Space Coast CU -0.18 -0.34 2.29
61 Digital Employ 11.24 1.32 2.58
62 Kern Schools F 4.22 0.62 2.07
63 Langley FCU, H 3.94 1.37 2.84
64 AT&T Family FC 5.24 1.39 2.92
65 Washington Sta 5.47 0.94 2.86
66 NWA FCU, Bloom 7.81 2.08 2.21
67 Founders FCU, 6.43 1.45 2.5
68 California CU, 11.23 1.02 2.59
69 S.A.F.E. FCU, 1.87 0.97 2.55
70 Eglin FCU, For 1.97 1.03 1.86
71 Schools FCU, S 0.27 0.83 2.47
72 Andrews FCU, S 2.74 0.98 3.77
73 IBM Mid Americ 6.41 1.38 2.51
74 Educational Em 6.54 0.74 2.61
75 IAG FCU, Rye, -9.25 0.4 2.7
Totals and ave 4.46% 1.09% 2.15%
part 5 of 5
Nonperf.
Total Shares Asset
& Deposits Ratio
Rank Navy FCU, Merr 1997 1997
1 Navy FCU, Merr$7,013,247 0.56%
2 State Employee 3,882,595 0.51
3 Pentagon FCU, 2,208,085 0.68
4 Boeing Employe 2,024,741 0.31
5 United Air Lin 1,868,740 0.22
6 American Airli 1,739,938 0.89
7 Golden 1 CU, S 1,646,367 0.84
8 Orange County 1,306,045 0.37
9 Alaska USA FCU 1,155,794 0.88
10 Hughes Aircraf 1,506,255 0.92
11 Suncoast Schoo 1,340,041 0.86
12 Citizens Equit 1,348,718 0.53
13 Star One FCU, 1,115,102 0.3
14 Security Servi 1,100,639 0.75
15 Jax Navy FCU, 1,023,438 0.75
16 Patelco CU, Sa 1,064,676 0.45
17 ESL FCU, Roche 1,005,814 0.66
18 America First 997,225 0.55
19 Delta Employee 899,808 0.26
20 Pennsylvania S 979,509 0.56
21 Wescom CU, Pas 948,983 0.94
22 San Antonio FC 948,723 1.62
23 Ent FCU, Color 973,285 0.55
24 Eastern Financ 792,132 0.8
25 Lockheed FCU, 839,944 1.24
26 Dearborn FCU, 859,803 1.18
27 Randolph Brook 699,051 0.37
28 Tinker FCU, Ok 755,052 1.07
29 Hudson Valley 767,496 0.56
30 Atlanta Postal 755,082 0.6
31 Bank Fund Staf 712,669 0.65
32 Redstone FCU, 739,993 0.66
33 Visions FCU, E 715,659 1.14
34 Desert Schools 636,373 0.56
35 State Employee 774,486 1.4
36 San Diego Coun 663,060 0.34
37 Bethpage FCU, 657,706 1.13
38 Portland Teach 637,658 1.45
39 United Nations 632,794 0.57
40 Texins CU, Ric 638,959 0.95
41 Teachers CU, S 637,856 1.92
42 Mission FCU, S 599,002 1.11
43 Police & Fire 627,222 1.1
44 Bellco First F 595,831 0.72
45 Tower FCU, Lau 630,621 0.32
46 North Island F 609,990 1.03
47 Travis FCU, Va 566,204 0.68
48 H. P. FCU, Pal 506,575 0.21
49 Coastal FCU, R 510,317 0.52
50 Teachers FCU, 529,082 0.61
51 Provident Cent 542,476 0.97
52 Eastman CU, Ki 515,906 0.06
53 Members Americ 525,363 0.72
54 GTE FCU, Tampa 471,869 1.45
55 Municipal CU, 495,203 1.49
56 Georgia Telco 507,084 0.47
57 Northwest FCU, 517,857 0.75
58 Dallas Teacher 489,167 0.63
59 Mountain Ameri 463,468 0.61
60 Space Coast CU 551,816 0.65
61 Digital Employ 418,681 0.53
62 Kern Schools F 480,689 1.62
63 Langley FCU, H 474,576 1
64 AT&T Family FC 426,053 0.27
65 Washington Sta 489,401 1.29
66 NWA FCU, Bloom 432,409 0.73
67 Founders FCU, 442,884 1.23
68 California CU, 440,884 0.97
69 S.A.F.E. FCU, 446,726 1.51
70 Eglin FCU, For 452,978 0.99
71 Schools FCU, S 439,447 0.54
72 Andrews FCU, S 450,338 1.41
73 IBM Mid Americ 434,915 0.33
74 Educational Em 432,626 0.58
75 IAG FCU, Rye, 497,298 0.97
Totals and ave$68,028,499 0.79%
