美国信用合作社行业市场前景及投资研究报告-培训课件外文版2024.5

INDUSTRIES

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MARKETSCreditunionsintheUnitedStatesCHAPTER

01OverviewTotalnumberofcreditunionsworldwidefrom2009to2021Totalnumberofcreditunionsworldwide2009-2021100,00090,00080,00070,00060,00050,00040,00030,00020,00010,000020092010201120122013201420152016201720182019202020213Description:Between2009and2017,thetotalnumberofcreditunionsintheworldgrewsignificantly.Thenumberthendroppedslightly,andin2021therewere87,914creditunions.ThehighestnumberofcreditunionswereinAfricaandAsia,accountingforaround90percentofallcreditunions.ReadmoreNote(s):Worldwide;2009to2021Source(s):WorldCouncilofCreditUnionsNumberofcreditunionsworldwidein2019and2021,byregionNumberofcreditunionsworldwide2019-2021,byregion20192020202145,00040,00035,00030,00025,00020,00015,00010,0005,0000AfricaAsiaNorthAmericaEuropeLatinAmericaCaribbeanOceania4Description:ThenumberofcreditunionsinAfricaandAsiaaremarkedlyhigherthaninotherregionsoftheworld.Thenumberofcreditunionsintheseregionsaccountedforalmost90percentofthetotalnumberofcreditunionsworldwide.In2021,therewere41,067creditunionsinAfricaand33,647inAsia.ReadmoreNote(s):Worldwide;2019and2021Source(s):WorldCouncilofCreditUnionsNumberofcreditunionsintheUnitedStatesfrom2013to2022NumberofcreditunionsintheU.S.2013-20228,0006,7957,0006,0005,0004,0003,0002,0001,00006,5136,2365,9965,8005,6255,4605,2984,9424,76020132014201520162017201820192020202120225Description:ThenumberofcreditunionsintheUnitedStatesdecreasednotablybetween2013and2022.Attheendof2022,therewere4,760federallyinsuredcreditunionsintheU.S.,whichwasasignificantdropcomparedto2021.Despitethedroppingnumberofcreditunions,thevalueofassetsoftheseinstitutionscontinuetoincrease.In2022,totalassetsofthecreditunionsintheU.S.exceeded2.1trillionU.S.dollars.ReadmoreNote(s):UnitedStates;2013to2022Source(s):NCUALargestcreditunionsintheUnitedStatesasof2ndquarter2023,bytotalassets(inbillionU.S.dollars)LeadingcreditunionsintheU.S.Q22023,bytotalassetsTotalassetsinbillionU.S.dollars60

8002040100120140160180NavyFederalCreditUnionStateEmployees'Pentagon165.2649.6235.47BoeingEmployeesSchoolsfirst28.9928.71TheGolden120.51AmericaFirst18.7319AlliantMountainAmericaFirstTechnology17.3116.946Description:Asofthesecondquarterof2023,NavyFederalCreditUnionwasbyfarthelargestcreditunionintheUnitedStatesintermsoftotalassets.NavyFederal'stotalassetsexceeded165billionU.S.dollars,anditwasfollowedbyStateEmployees',withtotalassetsof49.62billionU.S.dollars.Pentagonrankedthird,withassetsamountingtoroughly35.47billionU.S.dollars.ReadmoreNote(s):UnitedStates;Q22023Source(s):NCUAValueofassetsofcreditunionsintheUnitedStatesfrom2013to2022(intrillionU.S.dollars)ValueofassetsofcreditunionsintheU.S.2013-20222.52.02.172.061.881.591.481.51.41.321.231.141.081.00.50.020132014201520162017201820192020202120227Description:ThevalueofassetsofthefederallyinsuredcreditunionsintheUnitedStatesincreasedsteadilybetween2013and2022,withaparticularlyhighincreasein2020.Attheendof2022,thetotalassetsofcreditunionsamountedtoroughly2.17trillionU.S.dollars.ReadmoreNote(s):UnitedStates;2013to2022Source(s):NCUANumberofcreditunionsintheUnitedStatesfrom2016to2022,byassetsNumberofcreditunionsintheU.S.2016-2022,byassets20162017201820192020202120222,0001,8001,6001,4001,2001,0008006004002000Lessthan10millionU.S.

10-50millionU.S.dollarsdollars50-100millionU.S.dollars150-500millionU.S.dollars500-1000millionU.S.dollarsMorethanonebillionU.S.dollars8Description:ThenumberofcreditunionsintheUnitedStatesdeclined,butthenumberofcreditunionsmanagingassetsinexcessofonebillionU.S.dollarsincreasedduringtheperiodfrom2016to2022.In2016,therewere272creditunionsthatlarge,butthenumberincreasedto421by2022.ReadmoreNote(s):UnitedStates;2016to2022;AsofDecemberofeachyearSource(s):NCUACHAPTER

02MembersNumberofmembersofcreditunionsintheUnitedStatesfrom2013to2022(inmillions)NumberofmembersofcreditunionsintheU.S.2013-2022160140135.3129.6126.6122.8118.8120113.6109.2105101.598.4100806040200201320142015201620172018201920202021202210Description:ThenumberofmembersoffederallyinsuredcreditunionsintheUnitedStatesincreasedsteadilybetween2013and2022.Asofthefourthquarterof2022,approximately135.3millionpeopleweremembersofcreditunions,whichwasalmostsixmillionmorethanattheendof2021.ReadmoreNote(s):UnitedStates;2013to2022Source(s):NCUALargestcreditunionsintheUnitedStatesasof2ndquarter2023,bynumberofmembers(inmillions)LeadingcreditunionsintheU.SQ22023,bymembersNumberofmembersinmillions02468101214NavyFederalCreditUnionPentagon12.942.9StateEmployees'BoeingEmployeesAmericaFirstSchoolsfirst2.751.431.341.32MountainAmericaTheGolden1Digital1.171.11.091.15Suncoast11Description:NavyFederalCreditUnionwasbyfarthelargestcreditunionintheUnitedStatesinthesecondquarterof2023intermsofthenumberofmembers.Thecreditunionhadapproximately12.94millionmembers,followedbyPentagon,whichhadaround2.9millionmembers.StateEmployees'rankedthird,with2.75millionmembersinthesecondquarterof2023.ReadmoreNote(s):UnitedStates;Q22023Source(s):NCUACreditunions'netgainedmembershipsintheUnitedStatesfrom2010to2022(inmillions)NetgainincreditunionmembershipsintheU.S.2010-202276545.85.34.94.44.34.23.83.53.132.422101.40.6201020112012201320142015201620172018201920202021202212Description:ThenumberofnetgainedmembershipsofcreditunionsintheUnitedStatesgrewsteadilyeachyearbetween2010and2018,whenthenumberpeakedbeforedroppinginthefollowingyears.In2021and2022,thenumberofgainedmembershipsstartedanincreasingtrendagain.Thetotalmembershipgrewby5.8millionin2022,whichwashigherthaninthepreviousyears.ReadmoreNote(s):UnitedStates;2010to2022Source(s):NCUACHAPTER

03LoansanddepositsValueofoutstandingloansgrantedbycreditunionsintheUnitedStatesfrom2013to2022(inbillionU.S.dollars)ValueofoutstandingloansofcreditunionsintheU.S.2013-20221,6001,4001,5101,2601,1911,2001,1341,0659781,0008006004002000890805729660201320142015201620172018201920202021202214Description:ThevalueofloansgrantedbycreditunionsintheUnitedStatesgrewsteadilybetween2013and2022.Asof2022,thetotalloansoutstandingamountedto1.51tillionU.S.dollars,whichwasmorethantwiceasmuchasin2014.

ReadmoreNote(s):UnitedStates;2013to2022Source(s):NCUACreditunionloangrowthintheUnitedStatesfrom2010to2022CreditunionloangrowthintheU.S.2010-202225%20%15%10%22.9%11.6%202111%10.9%201510.9%201610.5%20175%0%9%8%6.5%20195.2%20125%2%-0.4%2010-5%20112013201420182020202215Description:TheannualcreditunionloangrowthrateintheUnitedStatesshowedmoderatefluctuationsbetween2010and2022.Between2010and2014,thegrowthrateincreasedsteadily,whilebetween2014and2020,thegrowthratedecreased.Thegrowthrateincreasedagainin2021and2022,from5percentto22.9percent.ReadmoreNote(s):UnitedStates;2010to2022Source(s):NCUALeadingcreditunionsintheUnitedStatesQ22022,bytotalloans(inbillionU.S.dollars)LeadingcreditunionsintheU.S.Q22022,bytotalloansTotalloansinbillionU.S.dollars40

6002080100120NavyFederalCreditUnionStateEmployees'Pentagon101.1930.6227.3BoeingEmployeesSchoolsfirst15.4214.9MountainAmericaAmericaFirst12.2411.5711.2SuncoastTheGolden110.8410.57Randolph-Brooks16Description:ThetotalloansofthelargestcreditunionintheUnitedStates,NavyFederal,wasmorethanthreetimeshigherthantheloansofStateEmployees',thesecondlargestcreditunion.ThetotalloansofNavyFederalexceeded101billionU.S.dollarsasoftheseceondquarterof2022,whileStateEmployees'totalloansamountedtoapproximately30.62billionU.S.dollars.ReadmoreNote(s):UnitedStates;Q22022Source(s):NCUALeadingcreditunionsintheUnitedStatesin1stquarter2023,bydeposits(inbillionU.S.dollars)LeadingcreditunionsintheU.S.Q12023,bydepositsTotaldepositsinbillionU.S.dollars60

8002040100120140160NavyFederalCreditUnionStateEmployees'Pentagon143.6346.128.7925.9124.62BoeingEmployeesSchoolsfirstTheGolden1AmericaFirstMountainAmericaSuncoast16.9216.2114.8614.7513.98Alliant17Description:TheUnitedStates'leadingcreditunion,NavyFederal,helddepositstoavaluemorethanthreetimeshigherthanthesecondleadingcreditunioninthecountryasofthefirstquarterof2023.ThedepositsofNavyFederalCreditUnionamountedtoaround143.63billionU.S.dollarsthatquarter.ReadmoreNote(s):UnitedStates;Q12023Source(s):NCUACHAPTER

04AssetsoflargestcreditunionsTotalassetsofNavyFederalCreditUnionfrom2014to2022(inbillionU.S.dollars)TotalassetsofNavyFederalCreditUnion2014-2022180160140120100156.65153.43135.66111.9996.9690.5779.8280604020073.2963.6520142015201620172018201920202021202219Description:NavyFederalCreditUnionisthelargestcreditunionintheUnitedStates,bothintermsofassetsandnumberofmembers.Theirtotalassetsgrewsteadilyduringtheperiodfrom2014to2020andamountedtoapproximately156.65billionU.S.dollarsin2022.ReadmoreNote(s):UnitedStates;2014to2022;AsofDecember31eachyarSource(s):NavyFederalCreditUnionTotalassetsofStateEmployees'CreditUnionfrom2018to2021(inbillionU.S.dollars)TotalassetsofStateEmployees'CreditUnion2018-2021605040302049.94202145.19202040.62201938.38201810020Description:StateEmployees'CreditUnionisthesecondlargestcreditunionintheUnitedStates.Theirtotalassetsgrewsignificantlysincebetweem2018and2021.AsofJune2021,thetotalassetsofthecreditunionamountedtoapproximately49.94billionU.S.dollars.ReadmoreNote(s):UnitedStates;2018to2021Source(s):StateEmployees'CreditUnionTotalassetsofPentagonFederalCreditUnionfrom2014to2022(inmillionU.S.dollars)TotalassetsofPentagonFederalCreditUnion2014-202240,00035,00030,00025,00035,526.3632,503.2526,740.224,774.424,484.822,858.921,301.419,460.420,00015,00010,0005,000017,796.420142015201620172018201920202021202221Description:PentagonFederalCreditUnion,orPenFedasitiswidelyknown,isoneofthelargestcreditunionsintheUnitedStates.Theirtotalassetsgrewannuallyduringtheperiodfrom2014to2022,andpeakedataround35.5billionU.S.dollarsin2022.

ReadmoreNote(s):UnitedStates;2014to2022Source(s):PenFedTotalassetsofBECUfrom2009to2022(inbillionU.S.dollars)TotalassetsofBECU2009-2022353030.228.7826.825201510522.219.617.816.414.513.111.911.1109.28.602009201020112012201320142015201620172018201920202021202222Description:ThetotalassetsofBECU,previouslynamedBoeingEmployees'CreditUnion,grewnotablybetween2009and2022,despiteaslightdecreasein2022.Thevalueofthetotalassetsincreasedfrom8.6billionU.S.dollarsin2009upto30.2billionU.S.dollarsin2021.In2022,assetsofthecredituniondroppedto28.8billionU.S.dollars.ReadmoreNote(s):UnitedStates;2009to2022Source(s):BECUCHAPTER

05NetincomeoflargestcreditunionsNetincomeofNavyFederalCreditUnionfrom2014to2022(inbillionU.S.dollars)NetincomeofNavyFederalCreditUnion2014-20223.02.52.01.52.721.91.671.551.351.21.00.50.00.870.810.7220142015201620172018201920202021202224Description:ThenetincomeofUnitedState'slargestcreditunion,NavyFederalCreditUnion,increasedsignificantlyin2021afterayearofsharpdeclinein2020.In2022,however,therewasanotabledecreaseinthenetincomeoftheinstitution.Thecreditunion'snetincomewasaround2.72billionU.S.dollarsin2021,whichdroppedto1.9billionU.S.dollarsin2022.ReadmoreNote(s):UnitedStates;2014to2022;AsofDecember31eachyarSource(s):NavyFederalCreditUnionNetincomeofStateEmployees'CreditUnionfrom2018to2021(inmillionU.S.dollars)NetincomeofStateEmployees'CreditUnion2018-2021500450400437.95350296.2630025020015010050249.57210.660201820192020202125Description:ThenetincomeofthesecondlargestcreditunionintheUnitedStates,StateEmployees'CreditUnion,droppedyear-on-yearfrom2018to2020.Between2020and2021,however,itsnetincomemorethandoubledandamountedtoapproximately437.95millionU.S.dollars.ReadmoreNote(s)