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Positive Trends: South & North Dakota Credit Unions 2009-2012 Success Story

Explore the success story of Credit Unions in South & North Dakota from 2009-2012 presented by NCUA Chairman Debbie Matz. Discover return on assets, net worth, delinquencies, and more. Learn about regulatory modernization, resource reallocation, and what Credit Unions can do to attract younger members.

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Positive Trends: South & North Dakota Credit Unions 2009-2012 Success Story

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  1. The Long View NCUA Chairman Debbie Matz Presentation to Credit Union Association of the Dakotas June 27, 2012

  2. Success Story: Credit Unions Are Recovering Positive Trends in Federally Insured Credit Unions 2009 - 2012 0.18 % 0.50 % 0.84 % 12/31/2009 12/31/2010 3/31/2012 9.92 % 10.08 % 10.01 % Return on Assets 1.84 % 1.44 % 1.76 % 1.21 % 1.13 % 0.78 % Net Worth 89.92 Million 90.49 Million 92.52 Million Delinquencies Net Charge - Offs Members

  3. Credit Union Assets by CAMEL Codes

  4. South Dakota CU Trends Positive Trends in South Dakota Credit Unions 2009 - 2012 0.59 % 0.62 % 0.93 % 12/31/2009 12/31/2010 3/31/2012 • 11.30 % • 11.14 % 10.80 % Return on Assets • 1.50 % • 1.24 % • 1.45 % • 0.96 % • 0.80 % • 0.61 % Net Worth 1.71 Million 1.76 Million 1.73 Million Delinquencies Net Charge - Offs Members

  5. North Dakota CU Trends Positive Trends in North Dakota Credit Unions 2009 - 2012 - 0.26 % 0.09 % 0.82 % 12/31/2009 12/31/2010 3/31/2012 • 9.47 % • 9.69 % 9.66 % Return on Assets • 3.09 % • 2.65 % • 3.17 % • 2.11 % • 2.14 % • 1.42 % Net Worth 4.53 Million 4.66 Million 4.56 Million Delinquencies Net Charge - Offs Members

  6. Regulatory Modernization • Streamlining Existing Regs • Targeting New Regs • Minimizing Reg Burdens

  7. Reallocating NCUA Resources Past allocationswere based on # of CUs, rather than assets and risks

  8. www.NCUA.gov

  9. 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!

  10. What Credit Unions Need to Do • Due Diligence • Board Training • Strategic Planning • Ask Questions…

  11. Attract Younger Members

  12. Offer New Technology

  13. What We Can Do Together • Legislation: • Member Business Lending • Supplemental Capital

  14. Communication At NCUA: We Hear You!

  15. The Long View NCUA Chairman Debbie Matz Presentation to Credit Union Association of the Dakotas June 27, 2012

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