MSIC 2023 Annual Report

11.91%

11.32

10.74

9.42

9.09%

7.18%

3.07%

1.97%

2019

2020 2021

2022

2023

MSIC

All MA

Nationwide

MSIC COMPARATIVE NET WORTH RATIOS As of September 30, 2023

MSIC AND MEMBER CREDIT UNIONS’ AGGREGATE ASSETS YEAR-OVER-YEAR GROWTH RATE Fiscal Years Ended September 30

0.55

$32.01

$31.50

$30.50

$28.03

$25.04

0.25

0.14

2019

2020 2021

2022

2023

MSIC

All MA

Nationwide

MSIC AND MEMBER CREDIT UNIONS’ AGGREGATE ASSETS As of September 30 ($ in Billions)

MSIC COMPARATIVE NET CHARGE-OFF RATIOS For Fiscal 2023

2023 ANNUAL REPORT 9

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