Credit Union Dist. of Home Loans Chart 3.1: Number of All 2005 Home Loans Originated 12 or More of MSA Median 4 35% 3 25% 2 15% 1 5% LANDMARK U.W. COMM 1ST EDUCATORS ROYAL SUMMIT FOX ALTRA WESTCONSIN GREAT WISC. CITIZENS PIONEER BLACKHAWK CAPITAL GUARDIAN CONNEXUS KOHLER * Ranked by managed assets
Credit Union Dist. of Home Loans Chart 3.2: Value of All 2005 Home Loans Originated 12 or More of MSA Median 6 5 4 3 2 1 LANDMARK U.W. COMM 1ST EDUCATORS ROYAL SUMMIT FOX ALTRA WESTCONSIN GREAT WISC. CITIZENS PIONEER BLACKHAWK CAPITAL GUARDIAN CONNEXUS KOHLER * Ranked by managed assets
Credit Union Dist. of Home Loans Chart 3.3: Number of All 2005 Home Loans Originated Less than 8 of MSA Median 6 5 4 3 2 1 LANDMARK U.W. COMM 1ST EDUCATORS ROYAL SUMMIT FOX ALTRA WESTCONSIN GREAT WISC. CITIZENS PIONEER BLACKHAWK CAPITAL GUARDIAN CONNEXUS KOHLER * Ranked by managed assets
Credit Union Dist. of Home Loans Chart 3.4: Value of All 2005 Home Loans Originated Less than 8 of MSA Median 45% 4 35% 3 25% 2 15% 1 5% LANDMARK U.W. COMM 1ST EDUCATORS ROYAL SUMMIT FOX ALTRA WESTCONSIN GREAT WISC. CITIZENS PIONEER BLACKHAWK CAPITAL GUARDIAN CONNEXUS KOHLER * Ranked by managed assets
Credit Union Dist. of Home Loans Chart 3.5: Number of All 2005 Home Loans Originated Less Than 5 of MSA Median 2 18% 16% 14% 12% 1 8% 6% 4% 2% LANDMARK U.W. COMM 1ST EDUCATORS ROYAL SUMMIT FOX ALTRA WESTCONSIN GREAT WISC. CITIZENS PIONEER BLACKHAWK CAPITAL GUARDIAN CONNEXUS KOHLER * Ranked by managed assets
Credit Union Dist. of Home Loans Chart 3.6: Value of All 2005 Home Loans Originated Less Than 5 of MSA Median 14% 12% 1 8% 6% 4% 2% LANDMARK U.W. COMM 1ST EDUCATORS ROYAL SUMMIT FOX ALTRA WESTCONSIN GREAT WISC. CITIZENS PIONEER BLACKHAWK CAPITAL GUARDIAN CONNEXUS KOHLER * Ranked by managed assets
Change in Distribution Chart 4.1: 1999-2000 vs. 2004-2005 Number of All Home Loans Originated 10 or More of MSA Median 1 5% -5% -1-15% -2 LANDMARK U.W. COMM 1ST EDUCATORS ROYAL SUMMIT FOX ALTRA WESTCONSIN GREAT WISCONSIN CITIZENS PIONEER BLACKHAWK CAPITAL GUARDIAN CONNEXUS KOHLER * Ranked by managed assets
Change in Distribution Chart 4.2: 1999-2000 vs. 2004-2005 Number of All Home Loans Originated Less Than 8 of MSA Median 15% 1 5% -5% -1 LANDMARK U.W. COMM 1ST EDUCATORS ROYAL SUMMIT FOX ALTRA WESTCONSIN GREAT WISCONSIN CITIZENS PIONEER BLACKHAWK CAPITAL GUARDIAN CONNEXUS KOHLER * Ranked by managed assets
Change in Distribution Chart 4.3: 1999-2000 vs. 2004-2005 Value of All Home Loans Originated 10 or More of MSA Median 1 5% -5% -1-15% LANDMARK U.W. COMM 1ST EDUCATORS ROYAL SUMMIT FOX ALTRA WESTCONSIN GREAT WISCONSIN CITIZENS PIONEER BLACKHAWK CAPITAL GUARDIAN CONNEXUS KOHLER -2 * Ranked by managed assets
Change in Distribution Chart 4.4: 1999-2000 vs. 2004-2005 Value of All Home Loans Originated Less Than 8 of MSA Median 2 15% 1 5% -5% -1 LANDMARK U.W. COMM 1ST EDUCATORS ROYAL SUMMIT FOX ALTRA WESTCONSIN GREAT WISCONSIN CITIZENS PIONEER BLACKHAWK CAPITAL GUARDIAN CONNEXUS KOHLER * Ranked by managed assets
Chart 5.1 Chart 5.1: % 2006 Target Market in <6 Income Group 9 8 7 6 5 4 3 2 1 Westby Marine Kohler Connexus Guardian Capital Blackhawk Com. Pioneer Citizens First Great Wisconsin Westconsin Altra Covantage Fox Community Summit Royal Educators Community First Un Wisc Landmark
Credit Union Distribution by Income Group Chart 5.2: % 2006 Target Market in Top 4 Income Group 7 6 5 4 3 2 1 Westby Marine Kohler Connexus Guardian Capital Blackhawk Com. Pioneer Citizens First Great Wisconsin Westconsin Altra Covantage Fox Community Summit Royal Educators Community First Un Wisc Landmark
Credit Union Distribution by Income Group Chart 5.3: % 2006 Target Market in Top 1 Income Group 25% 2 15% 1 5% Westby Marine Kohler Connexus Guardian Capital Blackhawk Com. Pioneer Citizens First Great Wisconsin Westconsin Altra Covantage Fox Community Summit Royal Educators Community First Un Wisc Landmark
Chart 8.1 Chart 8.1: % New Branches Target Markets in <6 Income Group 9 8 7 6 5 4 3 2 1 Westby Marine Kohler Connexus Guardian Capital Blackhawk Com. Pioneer Citizens First Great Wisconsin Westconsin Altra Covantage Fox Community Summit Royal Educators * * Community First Un Wisc Landmark * No new branches
New Branch Distribution by Income Group Chart 8.2: % New Branches Target Markets in Top 4 Income Group 10 9 8 7 6 5 4 3 2 1 Westby Marine Kohler Connexus Guardian Capital Blackhawk Com. Pioneer Citizens First Great Wisconsin Westconsin Altra Covantage Fox Community Summit Royal Educators * * Community First Un Wisc Landmark * No new branches
New Branch Distribution by Income Group Chart 8.3: % New Branches Target Markets in Top 1 Income Group 6 5 4 3 2 1 Westby Marine Kohler Connexus Guardian Capital Blackhawk Com. Pioneer Citizens First Great Wisconsin Westconsin Altra Covantage Fox Community Summit Royal Educators Community First Un Wisc Landmark * No new branches or * *
Credit Union Market Demographics Altra 7 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 Credit Union County Wisconsin
Credit Union Market Demographics Blackhawk Community 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 Credit Union County Wisconsin
Credit Union Market Demographics Capital 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 Credit Union County Wisconsin
Credit Union Market Demographics Citizens First 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 Credit Union County Wisconsin
Credit Union Market Demographics Community First 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 Credit Union County Wisconsin
Credit Union Market Demographics Connexus 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 Credit Union County Wisconsin
Credit Union Market Demographics Covantage 7 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 Credit Union County Wisconsin
Credit Union Market Demographics Educators 7 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 Credit Union County Wisconsin
Credit Union Market Demographics Fox Community 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 Credit Union County Wisconsin
Credit Union Market Demographics Great Wisconsin 7 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 Credit Union County Wisconsin
Credit Union Market Demographics Guardian 8 7 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 Credit Union County Wisconsin
Credit Union Market Demographics Kohler 7 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 Credit Union County Wisconsin
Credit Union Market Demographics Landmark 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 Credit Union County Wisconsin
Credit Union Market Demographics Marine 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 Credit Union County Wisconsin
Credit Union Market Demographics Pioneer 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 Credit Union County Wisconsin
Credit Union Market Demographics Royal 7 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 Credit Union County Wisconsin
Credit Union Market Demographics Summit 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 Credit Union County Wisconsin
Credit Union Market Demographics University of Wisconsin 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 Credit Union County Wisconsin
Credit Union Market Demographics Westby 9 8 7 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 Credit Union County Wisconsin
Credit Union Market Demographics Westconsin 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 Credit Union County Wisconsin
03-06 New Branch Market Demographics Altra 9 8 7 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 New Branch County Wisconsin
03-06 New Branch Market Demographics Blackhawk Community 8 7 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 New Branch County Wisconsin
03-06 New Branch Market Demographics Capital 8 7 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 New Branch County Wisconsin
03-06 New Branch Market Demographics Citizens First 7 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 New Branch County Wisconsin
03-06 New Branch Market Demographics Community First 9 8 7 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 New Branch County Wisconsin
03-06 New Branch Market Demographics Covantage 7 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 New Branch County Wisconsin
03-06 New Branch Market Demographics Educators 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 New Branch County Wisconsin
03-06 New Branch Market Demographics Fox Communities 10 9 8 7 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 New Branch County Wisconsin
03-06 New Branch Market Demographics Guardian 7 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 New Branch County Wisconsin
03-06 New Branch Market Demographics Kohler 7 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 New Branch County Wisconsin
03-06 New Branch Market Demographics Landmark 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 New Branch County Wisconsin
03-06 New Branch Market Demographics Marine 7 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 New Branch County Wisconsin
03-06 New Branch Market Demographics Pioneer 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 New Branch County Wisconsin
03-06 New Branch Market Demographics Royal 7 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 New Branch County Wisconsin
03-06 New Branch Market Demographics Summit 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 New Branch County Wisconsin
03-06 New Branch Market Demographics University of Wisconsin 7 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 New Branch County Wisconsin
03-06 New Branch Market Demographics Westby 7 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 New Branch County Wisconsin
03-06 New Branch Market Demographics Westconsin 9 8 7 6 5 4 3 2 1 0-20 20-40 40- -80 80-90 90-100 Under 90 New Branch County Wisconsin
Landmark Credit Union Number of of Conventional All Home Loans Mortgages Originated Originated Percent Percent of Total of Total by by Borrower Income 10 9 8 7 10 OR MORE 6 5 4 80-99% OF MSA MEDIAN 3 2 1 79% OR LESS 1999 2000 2001 2002 2003 2004 2005
Landmark Credit Union Value of of Conventional All Home Loans Mortgages Originated Percent Percent of Total of Total by by Borrower Income 10 9 8 7 10 OR MORE 6 5 4 3 2 1 80-99% OF MSA MEDIAN 79% OR LESS 1999 2000 2001 2002 2003 2004 2005
University of Wisconsin Credit Union Number of of Conventional All Home Loans Mortgages Originated Percent Percent of Total of Total by by Borrower Income 10 9 8 7 10 OR MORE 6 5 4 3 2 1 80-99% OF MSA MEDIAN 79% OR LESS 1999 2000 2001 2002 2003 2004 2005
University of Wisconsin Credit Union Value of Conventional All Home Loans Mortgages Originated Originated Percent Percent of Total of Total by by Borrower Income 10 9 8 7 6 10 OR MORE 5 4 3 2 1 80-99% OF MSA MEDIAN 79% OR LESS 1999 2000 2001 2002 2003 2004 2005
Community First Credit Union Number of of Conventional All Home Loans Mortgages Originated Percent of of Total by by Borrower Income 10 9 8 10 OR MORE 7 6 5 80-99% OF MSA MEDIAN 4 3 2 79% OR LESS 1 1999 2000 2001 2002 2003 2004 2005
Community First Credit Union Value of of Conventional All Home Loans Mortgages Originated Originated Percent Percent of Total of Total by by Borrower Income 10 9 8 7 10 OR MORE 6 5 4 3 2 80-99% OF MSA MEDIAN 79% OR LESS 1 1999 2000 2001 2002 2003 2004 2005
Educators Credit Union Number of of Conventional All Home Loans Mortgages Originated Percent of of Total by by Borrower Income 10 9 8 7 10 OR MORE 6 5 4 3 2 1 80-99% OF MSA MEDIAN 79% OR LESS 1999 2000 2001 2002 2003 2004 2005
Educators Credit Union Value of of Conventional All Home Loans Mortgages Originated Percent of of Total by by Borrower Income 10 9 8 7 6 10 OR MORE 5 4 3 2 1 80-99% OF MSA MEDIAN 79% OR LESS 1999 2000 2001 2002 2003 2004 2005
Royal Credit Union Number of of Conventional All Home Loans Mortgages Originated Percent Percent of of Total Total by by Borrower Income 10 9 8 7 10 OR MORE 6 5 4 3 2 1 80-99% OF MSA MEDIAN 79% OR LESS 1999 2000 2001 2002 2003 2004 2005
Royal Credit Union Value of of Conventional All Home Loans Mortgages Originated Percent of Total of Total by by Borrower Income 10 9 8 7 6 10 OR MORE 5 4 3 2 1 80-99% OF MSA MEDIAN 79% OR LESS 1999 2000 2001 2002 2003 2004 2005
Summit Credit Union Number of of Conventional All Home Loans Mortgages Originated Originated Percent Percent of Total of Total by by Borrower Income 10 9 8 7 6 5 4 3 2 1 10 OR MORE 80-99% OF MSA MEDIAN 79% OR LESS 1999 2000 2001 2002 2003 2004 2005
Summit Credit Union Value of of Conventional All Home Loans Mortgages Originated Percent Percent of Total of Total by by Borrower Income 10 9 8 7 10 OR MORE 6 5 4 80-99% OF MSA MEDIAN 3 2 1 79% OR LESS 1999 2000 2001 2002 2003 2004 2005
Fox Communities Credit Union Number of of Conventional All Home Loans Mortgages Originated Percent Percent of Total of Total by by Borrower Income 10 9 8 7 10 OR MORE 6 5 4 3 2 1 80-99% OF MSA MEDIAN 79% OR LESS 1999 2000 2001 2002 2003 2004 2005
Fox Communities Credit Union Value of of Conventional All Home Loans Mortgages Originated Percent of of Total by by Borrower Income 10 9 8 7 6 10 OR MORE 5 4 3 2 1 80-99% OF MSA MEDIAN 79% OR LESS 1999 2000 2001 2002 2003 2004 2005
Altra Credit Union Number of of Conventional All Home Loans Mortgages Originated Percent of of Total by by Borrower Income 10 9 8 7 6 10 OR MORE 5 4 3 2 1 80-99% OF MSA MEDIAN 79% OR LESS 1999 2000 2001 2002 2003 2004 2005
Altra Credit Union Value of of Conventional All Home Loans Mortgages Originated Percent of of Total by by Borrower Income 10 9 8 7 6 10 OR MORE 5 4 3 2 1 80-99% OF MSA MEDIAN 79% OR LESS 1999 2000 2001 2002 2003 2004 2005
Westconsin Credit Union Number of of Conventional All Home Loans Mortgages Originated Percent of of Total by by Borrower Income 10 9 8 7 6 10 OR MORE 80-99% OF MSA MEDIAN 5 4 3 2 79% OR LESS 1 1999 2000 2001 2002 2003 2004 2005
Westconsin Credit Union Value of of Conventional All Home Loans Mortgages Originated Percent of of Total by by Borrower Income 10 9 8 10 OR MORE 7 6 5 80-99% OF MSA MEDIAN 4 3 2 79% OR LESS 1 1999 2000 2001 2002 2003 2004 2005
Great Wisconsin Credit Union Number of of Conventional All Home Loans Mortgages Originated Percent Percent of Total of Total by by Borrower Income 10 9 8 7 10 OR MORE 6 5 4 3 2 1 80-99% OF MSA MEDIAN 79% OR LESS 1999 2000 2001 2002 2003 2004 2005
Great Wisconsin Credit Union Value of of Conventional All Home Loans Mortgages Originated Percent of of Total by by Borrower Income 10 9 8 7 6 10 OR MORE 5 4 3 80-99% OF MSA MEDIAN 2 1 79% OR LESS 1999 2000 2001 2002 2003 2004 2005
Citizens First Credit Union Number of of Conventional All Home Loans Mortgages Originated Percent Percent of Total of Total by by Borrower Income 10 9 8 7 6 10 OR MORE 80-99% OF MSA MEDIAN 5 4 3 2 79% OR LESS 1 1999 2000 2001 2002 2003 2004 2005
Citizens First Credit Union Value of Conventional All Home Loans Mortgages Originated Originated Percent Percent of Total of Total by by Borrower Income 10 9 8 7 6 5 4 3 2 1 10 OR MORE 80-99% OF MSA MEDIAN 79% OR LESS 1999 2000 2001 2002 2003 2004 2005
Pioneer Credit Union Number of of Conventional All Home Loans Mortgages Originated Percent of of Total by Borrower Income 10 9 8 7 6 5 10 OR MORE 80-99% OF MSA MEDIAN 4 3 2 79% OR LESS 1 1999 2000 2001 2002 2003 2004 2005
Pioneer Credit Union Value of of Conventional All Home Loans Mortgages Originated Percent of of Total by by Borrower Income 10 9 8 7 10 OR MORE 6 5 4 3 2 1 80-99% OF MSA MEDIAN 79% OR LESS 1999 2000 2001 2002 2003 2004 2005
Blackhawk Community Credit Union Number of of Conventional All Home Loans Mortgages Originated Originated Percent Percent of Total of Total by by Borrower Income 10 9 8 7 10 OR MORE 6 5 4 80-99% OF MSA MEDIAN 3 2 1 79% OR LESS 1999 2000 2001 2002 2003 2004 2005
Blackhawk Community Credit Union Value of of Conventional All Home Loans Mortgages Originated Percent of of Total by by Borrower Income 10 9 8 7 10 OR MORE 6 5 4 3 2 1 80-99% OF MSA MEDIAN 79% OR LESS 1999 2000 2001 2002 2003 2004 2005
Capital Credit Union Number of of Conventional All Home Loans Mortgages Originated Percent of of Total by by Borrower Income 10 9 8 7 10 OR MORE 6 5 4 80-99% OF MSA MEDIAN 3 2 1 79% OR LESS 1999 2000 2001 2002 2003 2004 2005
Capital Credit Union Value of of Conventional All Home Loans Mortgages Originated Percent of of Total by by Borrower Income 10 9 8 7 10 OR MORE 6 5 4 3 2 1 80-99% OF MSA MEDIAN 79% OR LESS 1999 2000 2001 2002 2003 2004 2005
Guardian Credit Union Number of of Conventional All Home Loans Mortgages Originated Percent of Total of Total by by Borrower Income 10 9 8 7 10 OR MORE 6 5 4 3 2 1 80-99% OF MSA MEDIAN 79% OR LESS 1999 2000 2001 2002 2003 2004 2005
Guardian Credit Union Value of of Conventional All Home Loans Mortgages Originated Originated Percent Percent of Total of Total by by Borrower Income 10 9 8 7 6 10 OR MORE 5 4 3 2 1 80-99% OF MSA MEDIAN 79% OR LESS 1999 2000 2001 2002 2003 2004 2005
Connexus Credit Union Number of of Conventional All Home Loans Mortgages Originated Percent of Total of Total by by Borrower Income 10 9 8 7 6 10 OR MORE 5 4 3 2 80-99% OF MSA MEDIAN 1 79% OR LESS 1999 2000 2001 2002 2003 2004 2005
Connexus Credit Union Value of of Conventional All Home Loans Mortgages Originated Percent of of Total by by Borrower Income 10 9 8 7 6 10 OR MORE 5 4 3 2 80-99% OF MSA MEDIAN 1 79% OR LESS 1999 2000 2001 2002 2003 2004 2005
Kohler Credit Union Number of of Conventional All Home Loans Mortgages Originated Percent of of Total by by Borrower Income 10 9 8 10 OR MORE 7 6 5 80-99% OF MSA MEDIAN 4 3 2 79% OR LESS 1 1999 2000 2001 2002 2003 2004 2005
Kohler Credit Union Value of of Conventional All Home Loans Mortgages Originated Originated Percent Percent of of Total Total by by Borrower Income 10 9 8 7 10 OR MORE 6 5 4 80-99% OF MSA MEDIAN 3 2 1 79% OR LESS 1999 2000 2001 2002 2003 2004 2005