Core deposits have the biggest impact on ROA, imporving margins and reducing reliance on borrowings.

Non-interest income will increase as a result of increased interchange income, other deposit-related fees, and CUSO revenue.

Net income is expected to rise as expenses stabilize.

This trend continues to improve, up from 248 in November 2024.

of assets, aiming to stay below 4% amid branch expansions.

of members surveyed report bolder dreams. This is a baseline.

of members who report use of multiple CFCU tools as a reason for enhanced financial well-being.

of members who report that they tell others and recommend CFCU.

of organizations say they are serving new and additional constituents. This is a baseline. Target to be established in August.

of members who report that they believe CFCU will follow through on its commitments and promises.

of parent members surveyed reporting confidence due to CFCU.

This is a baseline. Target to be established in August.

of members who report that CFCU language is easy to understand.

individuals assisted through five organizations.

per FTE, enhanced by controlled staffing and efficient growth.

This metric will vary based on contract due dates over the next 12 months and the likelihood of negotiation.

Work in progress. Metric and baseline to be established in August.

We spend 85 cents to earn each dollar of revenue.

This metric will vary absed on contract due dates over the next 12 months and the likelihood of negotiation.

Work in progress anticipated for March. Baseline to be established in August.

average number of financial tools and services used by members.

Work in progress. Two products were introduced in February 2025. Baseline to be established in August.

Year to Date Metric based on reporting in innovation area.

of members have a CFCU mortage.

of members in northern Michigan zip codes have a CFCU mortgage.

of members under 30 have CFCU mortgages.

Target: ≥ 19%. This trend continues to improve, up from 8.81% in November.

First Step loan users in year to date.

of member in Detroit zip codes have a CFCU mortgage.

who are members and women of color in Detroit zip codes have CFCU mortgages.

members using cancer care agents.

of members exceed the $6,240 average savings benchmark. This is a baseline and reporting to be confirmed in August.

Engagement metric in development. This is a baseline and reporting to be confirmed in August.

are active digital banking users.

of members using multiple tools whose savings and investments show improved financial health.

of members with direct deposit.

This trend is increasing month over month, up 59.59% in November.

This trend is increasing month over month, up from 4.28% in November.

This trend is increasing month over month, up from 4.59% in November.

Work in progress. This is a baseline and reporting to be confirmed in August.

Brand awareness study ongoing. This is a baseline and reporting to be confirmed in August.

Survery to be distributed in April 2025. Annual financial reviews to be scheduled. Baseline to be set in August 2025.

Retired-member metric in development. Research is in progress for a new metric. Baseline to be established in August.

We participated in thirteen industry events. This is a baseline and reporting to be confirmed in August.

Four collaborative engagements to date. This is a baseline and reporting to be confirmed in August.