2. E. Andrew Keeney, Esq. Kaufman & Canoles, P.C. 150 West Main Street, Suite 2100 Norfolk, VA 23510 (757) 624-3153 [email_address] www.kaufmanandcanoles.com Shawn A. Goldfaden, Esq. Stewart Title Guaranty Company 609 Global Way, Suite 122 Linthicum Heights, MD 21090 (410) 789-8400 [email_address] www.stewart.com
6. 1st Mortgage Balances Lead Loan Growth in 2008 Data for all US CUs as of Dec. 31, 2008 Source: Callahan’s Peer to Peer Software
7. Credit Union Mortgage Lending Rises Double-Digits in a Down Market Sources: Callahan’s Peer to Peer Software, Mortgage Bankers Association, Office of Thrift Supervision
8. First Mortgage Market Share Doubles in Two Years Sources: Callahan’s Peer to Peer Software, Mortgage Bankers Association
9. Real Estate Delinquency Rises as the Economy Impacts Members Data for all US CUs as of Dec. 31, 2008 Source: Callahan’s Peer to Peer Software
10. Credit Union Delinquency Remains Below that of FDIC-Insured Institutions Across the Board Data as of December 31, 2008 Source: Callahan’s Peer to Peer Software
11. Delinquency Ranges from 0.72% to 2.83% across U.S. CUs Source: Callahan’s Peer to Peer Software
12. Credit Union Charge-offs are Lower than FDIC-Insured Institutions Data as of December 31, 2008 Source: Callahan’s Peer to Peer Software, FDIC
13. Credit Unions Modified over $1.2 Billion in Real Estate Loans in 2008 Data for all US CUs as of Dec. 31, 2008 Source: Callahan’s Peer to Peer Software
78. E. Andrew Keeney, Esq. Kaufman & Canoles, P.C. 150 West Main Street, Suite 2100 Norfolk, VA 23510 (757) 624-3153 [email_address] www.kaufmanandcanoles.com Shawn A. Goldfaden, Esq. Stewart Title Guaranty Company 609 Global Way, Suite 122 Linthicum Heights, MD 21090 (410) 789-8400 [email_address] www.stewart.com