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The Premium Report on Credit Unions contains information used by Marketing Departments in many of the Fortune 1,000 companies and beyond. The report helps identify industry changes, trends, key players, and growth opportunities.

Contents:
Current State of the Industry
Market Size
Market Forecast
Products and Services Breakdown
Financial Statements - Income Statement
Salary & Compensation Statistics
Key Companies
Public Company News
Largest Government Vendors

Current State of the Credit Unions Industry

This section provides answers to five fundamental and commonly-asked questions about the industry:

1. What is the total market size ($ millions)?
2. How much has the market grown or declined?
3. Are long term forecasts positive or negative?
4. How large is the average company?
5. How many companies are in the industry?

Market Size - Credit Unions

The total U.S. market size for the Credit Unions industry includes all companies, both public and private. In addition to total revenue, the table contains details on employees, companies, and average firm size.

Metrics	2004        2005        2006        2007        2008        2009
Market Size (Total Industry Sales)		Available Included with Instant Access Order at top of page
Total Firms
Total Locations (Headquarters and Branches)
Total Employees
Average Revenue Per Firm
Average Employees Per Firm

Source: Analysis of US Census data, updated June 8 2010

Charts and graphs can be copied to Microsoft Word and Powerpoint presentations.

Market Forecast - Credit Unions

Market forecasts show the long term outlook for the Credit Unions industry. The following five-year forecast utilizes advanced econometric techniques that take into account both short-term and long-term industry trends.

Forecast	2009	2010	2011	2012	2013	2014
Revenue ($ billion)	AVAILABLE

Source: AnythingResearch.com Economic Analysis

Product & Services Breakdown

The following products and services account for the largest source of revenues in the Credit Unions industry. Note that there are multiple levels of classification, so some line items are contained within other lines.

Product Description	Number of Companies	Sales ($ millions)	Percent of Total Sales
Industry Total	AVAILABLE
Loan Products - Income	AVAILABLE
Loans To Businesses - Commercial And Industrial Mortgages	AVAILABLE
Loans To Businesses - Other	AVAILABLE
Loans To Consumers - Secured, Residential Mortgages	AVAILABLE
Loans To Consumers - Secured, Home Equity	AVAILABLE
Loans To Consumers - Secured, Vehicle	AVAILABLE
Loans To Consumers - Secured, Other	AVAILABLE
Loans To Consumers - Unsecured	AVAILABLE
Credit Card Products - Income	AVAILABLE
Credit Card Cardholder Products - Consumer	AVAILABLE
Credit Card Merchant Products	AVAILABLE
Factoring - Fees	AVAILABLE
All Other Credit Financing Products - Income	AVAILABLE
Financing Related To Securities	AVAILABLE
Trading Debt Instruments On Own Account - Net Gains (Losses)	AVAILABLE
Trading Other Scrty & Comdty Contr On Own Acct - Net Gains (Losses)	AVAILABLE
Deposit Account Service Packages	AVAILABLE
Separately-Priced Deposit Account Products	AVAILABLE
Cash Handling And Management Products	AVAILABLE
Document Payment Products	AVAILABLE
Automated Clearinghouse (Ach) Products - Fees	AVAILABLE
Financial Planning And Investment Management Products	AVAILABLE
Personal Financial Planning And Advice Products	AVAILABLE
Personal Investment Management Products	AVAILABLE
Other Products Supporting Financial Services - Fees	AVAILABLE
All Other Direct Insurance Products - Premiums	AVAILABLE

Income Statement (Average Financial Metrics) - Credit Unions

Financial metrics provide a snapshot view of an "average" company in the Credit Unions industry. Key business metrics show revenue and operating costs. The data collected is industry-wide, covering both public and private companies in the industry.

	Industry Average	Percent of Sales
Total Revenue	AVAILABLE Included in Report Order at top of page
Operating Revenue
Cost of Goods Sold
Gross Profit
Operating Expenses
Pension, profit sharing plans, stock, annuity
Repairs
Rent paid on business property
Charitable Contributions
Depletion
Domestic production activities deduction
Advertising
Compensation of officers
Salaries and wages
Employee benefit programs
Taxes and Licenses
Bad Debts
Depreciation
Amortization
Other Operating Expenses
Total Operating Expenses
Operating Income
Non-Operating Income
EBIT (Earnings Before Interest and Taxes)
Interest Expense
Earnings Before Taxes
Income Tax
Net Profit

Source: Analysis of U.S. federal statistics

Financial Ratio Analysis - Credit Unions

Financial ratios can be used to compare how a company in the Credit Unions industry is performing relative to its peers. Financial ratios are calculated from the industry-average for income statements and balance sheets.

Liquidity Ratios - Credit Unions Industry	Industry Average
Liquidity Ratios measure how liquid a business is. Bankers and suppliers may use these to determine creditworthiness and identify potential threats to a company's financial viability.
Current Ratio Measures a firm's ability to pay its debts over the next 12 months.	Included
Quick Ratio (Acid Test) Calculates liquid assets relative to liabilities, excluding inventories.	Included

Efficiency Ratios - Credit Unions Industry	Industry Average
Efficiency Ratios measure how quickly products and services sell, and effectively collections policies are implemented.
Receivables Turnover Ratio If this number is low compared to the industry average, it may mean your payment terms are too lenient or that you are not doing a good enough job on collections.	Included
Average Collection Period Based on the Receivables Turnover Ratio, this estimates the collection period in days. Calculated as 365 divided by the Receivables Turnover Ratio	Included
Inventory Turnover Ratio A low turnover rate may point to overstocking, obsolescence, or deficiencies in the product line or marketing effort.	Included
Fixed-Asset Turnover Ratio Generally, a higher ratio is better, since it indicates the business has less money tied up in fixed assets for each dollar of sales revenue.	Included

Geographic Distribution

The concentration of employees by states indicates how the industry (companies and workforce) is distributed throughout the country.

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Move mouse over states to see employment numbers
Note: Round numbers are estimates. Precise numbers are actuals.

Source: US Census

Compensation & Salary Surveys for Employees Working in Credit Unions

Compensation statistics provides an accurate assessment of jobs in the Credit Unions industry and national salary averages. This information can be used to asses which positions are most common, and high, low, and average annual wages.

Title	Percent of Workforce	Bottom Quartile	Average (Median) Salary	Upper Quartile
Management occupations	8%	AVAILABLE Included in Report Order at top of page
Chief executives	0%
General and operations managers	2%
Business and financial operations occupations	17%
Loan officers	8%
Sales and related occupations	5%
Office and administrative support occupations	64%
First-line supervisors/managers of office and administrative support workers	7%
Tellers	29%
Customer service representatives	7%

Source: Bureau of Labor Statistics

Companies in Credit Unions and Adjacent Industries

Company	Address	Key Contact
AVAILABLE	AVAILABLE	AVAILABLE

Public Credit Unions Company News

Web scan for recent news about publicly traded companies in the Credit Unions industry.

Government Contracts Related to Credit Unions

In 2008, the federal government spent a total of $97,244 on Credit Unions. It has awarded 3 contracts to 3 companies, with an average value of $32,415 per company.   

Top government vendors:

Company	Federal Contracts	Total Award Amount
AVAILABLE	AVAILABLE	AVAILABLE

The Industry Report on Credit Unions contains the key pieces of information used by strategy and management consultants to identify market trends and accurately measure growth and industry performance.

Contents:
Current State of the Industry
Market Size
Financial Statements - Income Statement
Salary & Compensation Statistics
Key Companies
Public Company News

Current State of the Credit Unions Industry

This section provides answers to five fundamental and commonly-asked questions about the industry:

1. What is the total market size ($ millions)?
2. How much has the market grown or declined?
3. Are long term forecasts positive or negative?
4. How large is the average company?
5. How many companies are in the industry?

Market Size - Credit Unions

The total U.S. market size for the Credit Unions industry includes all companies, both public and private. In addition to total revenue, the table contains details on employees, companies, and average firm size.

Metrics	2004        2005        2006        2007        2008        2009
Market Size (Total Industry Sales)		Available Included with Instant Access Order at top of page
Total Firms
Total Locations (Headquarters and Branches)
Total Employees
Average Revenue Per Firm
Average Employees Per Firm

Source: Analysis of US Census data, updated June 8 2010

Charts and graphs can be copied to Microsoft Word and Powerpoint presentations.

Income Statement (Average Financial Metrics) - Credit Unions

Financial metrics provide a snapshot view of an "average" company in the Credit Unions industry. Key business metrics show revenue and operating costs. The data collected is industry-wide, covering both public and private companies in the industry.

	Industry Average	Percent of Sales
Total Revenue	AVAILABLE Included in Report Order at top of page
Operating Revenue
Cost of Goods Sold
Gross Profit
Operating Expenses
Pension, profit sharing plans, stock, annuity
Repairs
Rent paid on business property
Charitable Contributions
Depletion
Domestic production activities deduction
Advertising
Compensation of officers
Salaries and wages
Employee benefit programs
Taxes and Licenses
Bad Debts
Depreciation
Amortization
Other Operating Expenses
Total Operating Expenses
Operating Income
Non-Operating Income
EBIT (Earnings Before Interest and Taxes)
Interest Expense
Earnings Before Taxes
Income Tax
Net Profit

Source: Analysis of U.S. federal statistics

Financial Ratio Analysis - Credit Unions

Financial ratios can be used to compare how a company in the Credit Unions industry is performing relative to its peers. Financial ratios are calculated from the industry-average for income statements and balance sheets.

Liquidity Ratios - Credit Unions Industry	Industry Average
Liquidity Ratios measure how liquid a business is. Bankers and suppliers may use these to determine creditworthiness and identify potential threats to a company's financial viability.
Current Ratio Measures a firm's ability to pay its debts over the next 12 months.	Included
Quick Ratio (Acid Test) Calculates liquid assets relative to liabilities, excluding inventories.	Included

Efficiency Ratios - Credit Unions Industry	Industry Average
Efficiency Ratios measure how quickly products and services sell, and effectively collections policies are implemented.
Receivables Turnover Ratio If this number is low compared to the industry average, it may mean your payment terms are too lenient or that you are not doing a good enough job on collections.	Included
Average Collection Period Based on the Receivables Turnover Ratio, this estimates the collection period in days. Calculated as 365 divided by the Receivables Turnover Ratio	Included
Inventory Turnover Ratio A low turnover rate may point to overstocking, obsolescence, or deficiencies in the product line or marketing effort.	Included
Fixed-Asset Turnover Ratio Generally, a higher ratio is better, since it indicates the business has less money tied up in fixed assets for each dollar of sales revenue.	Included

Compensation & Salary Surveys for Employees Working in Credit Unions

Compensation statistics provides an accurate assessment of jobs in the Credit Unions industry and national salary averages. This information can be used to asses which positions are most common, and high, low, and average annual wages.

Title	Percent of Workforce	Bottom Quartile	Average (Median) Salary	Upper Quartile
Management occupations	8%	AVAILABLE Included in Report Order at top of page
Chief executives	0%
General and operations managers	2%
Business and financial operations occupations	17%
Loan officers	8%
Sales and related occupations	5%
Office and administrative support occupations	64%
First-line supervisors/managers of office and administrative support workers	7%
Tellers	29%
Customer service representatives	7%

Source: Bureau of Labor Statistics

Companies in Credit Unions and Adjacent Industries

Company	Address	Key Contact
AVAILABLE	AVAILABLE	AVAILABLE

Public Credit Unions Company News

Web scan for recent news about publicly traded companies in the Credit Unions industry.

• PA Credit Union Association appoints TruMark Financial� Credit Union CEO to Foundation Board of Directors: TREVOSE, Pa. The Pennsylvania Credit Union Association (PCUA) has appointed Richard F. Stipa, TruMark Financial's chief executive officer, to its Foundation Board of Directors. The Foundation, comprised of 13 voting members, provides financial education and awareness of the credit union philosophy in Pennsylvania communities.
• Food Bank, credit unions work to raise food for summer: BY ROBERTO ACOSTA 810-452-2645 RACOSTA@MIHOMEPAPER.COM GENESEE COUNTY The Food Bank of Eastern Michigan has teamed up with nine financial institutions to remind residents of the need to give food over the summer months during the Caring Community Credit Union Week fundraiser next week. read more
• Arizona State Credit Union Receives Honors from Arizona Credit Union League: PHOENIX----The Arizona Credit Union League awarded Advocate of the Year to Paul B. Stull, Senior Vice President of Marketing at Arizona State Credit Union, at the 2010 ACUL Annual Meeting.
• More credit unions share branches: More than 20 years have passed since credit unions first shared branches allowing one firms members to withdraw or deposit money at another credit union and the practice continues growing, industry members said.
• Credit unions face challenges with federal incorporation: DRBS: Despite the proposed introduction of a legislative framework to allow federally incorporated credit unions, DBRS Ltd. says that it doesnt foresee the imminent emergence of a national rival to the big banks.
• UW Credit Union Announces Private Student Loan Program for Credit Unions: UW Credit Union announced today CU Campus Resources, a private student loan program for credit unions. CU Campus Resources is a Credit Union Service Organization dedicated to providing college financing resources and services to credit unions for their members, as well as the colleges and universities in their communities.
• Bauer Financial rates credit unions, banks for first quarter of 2010: SANTA CRUZ -- After a year of losses, the first quarter of 2010 was kinder to most credit unions serving Santa Cruz County.
• DFCU and MidWest credit unions to merge: Michigan's largest credit union is getting bigger. Dearborn-based DFCU Financial said Tuesday that it plans to merge with the much smaller MidWest Financial Credit Union of Ann Arbor. The deal, expected to be completed by Oct. 1, will expand DFCU's presence to Ann Arbor.
• Michigan credit unions healthier than banks, study shows: Michigan credit unions continue to fare better than banks in the quarterly ratings of their financial health by Florida-based BauerFinancial Inc.
• Credit Unions Begin To Promote Their Strengths: Credit unions have a reputation for being rather dull and conservative, and for decades, America's First Federal Credit Union in Birmingham, Ala., was no exception.
• Politicians Urged To Support Credit Reform Bill: NZ Council of Trade Unions Komiti Pasefika (NZCTU KP) is supporting the Bill being put up by Carol Beaumont MP of Maungikiekie and urges all other MPs to support it.
• Teachers swept up in attack on unions: Navarettes sardonic attack on teacher unions, and by association on teachers ourselves, really made my blood boil. He states: When a student succeeds, teachers claim credit for a job well done. Where is the evidence for this?
• Methodist Bishop urges churches to form credit unions/welfare schemes: Cape Coast, May 8, GNA - The Bishop of Cape Coast Methodist Diocese, Bishop Nicholas Asane, on Friday called for the formation of credit unions and welfare schemes to support Christians in Churches.
• 2 Utah credit unions to merge: 2 Utah credit unions to merge
• Lakota FCU receives funding for possible Pine Ridge credit union: The Lakota FCU Steering Committee was awarded $149,798 through the U.S. Treasury Department's Community Development Financial Institutions Fund, according to a news release from the National Association of Federal Credit Unions.

Markets Related to Credit Unions