[Federal Register Volume 82, Number 209 (Tuesday, October 31, 2017)]
[Notices]
[Pages 50447-50458]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2017-23219]


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NATIONAL CREDIT UNION ADMINISTRATION


Electronic Loan, Deposit, and Investment Data Collection

AGENCY: National Credit Union Administration (NCUA).

ACTION: Request for Information (RFI)

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SUMMARY: The National Credit Union Administration is conducting a 
comprehensive review of the loan, deposit, and investment information 
collected electronically during examinations of federally insured 
credit unions from the core data processing and offline systems used by 
credit unions.

DATES: Comments must be received on or before January 2, 2018.

ADDRESSES: Comments may be submitted using one of the methods below 
(Please do not send comments via multiple methods). Include [Your name 
and company name (if any)]--Electronic Data Collection Modernization in 
all correspondence.
    <bullet> Email: Address to <a href="/cdn-cgi/l/email-protection#27656e6a464e4b676964726609404851"><span class="__cf_email__" data-cfemail="dd9f9490bcb4b19d939e889cf3bab2ab">[email protected]</span></a>. Include ``[Your name] 
Comments on Electronic Data Collection Modernization'' in the email 
subject line. Any of the following formats is acceptable: HTML, ASCII, 
Word, RTF, or PDF.
    <bullet> Mail: Please direct written comments to Amber Gravius, 
National Credit Union Administration, 1775 Duke Street, Alexandria, 
Virginia 22314.
    NCUA will post all comments received by the deadline on the agency 
Web site (www.ncua.gov) without alteration or redaction, so commenters 
should not include information they do not wish public (e.g., personal 
or confidential business information). SPAM or marketing materials will 
be discarded without publication.

FOR FURTHER INFORMATION CONTACT: Kelly Lay, Business Innovation 
Director or Amber Gravius, Special Assistant for Business Innovation, 
Office of the Executive Director, at 1775 Duke Street, Alexandria, VA 
22314 or telephone (703) 518-6313 (Ms. Lay) or (703) 548-2411 (Ms. 
Gravius). Media inquiries should be directed to the NCUA Office of 
Public and Congressional Affairs at (703) 518-6671 or 
<a href="/cdn-cgi/l/email-protection#96e6f7f5f7fbf7fffad6f8f5e3f7b8f1f9e0"><span class="__cf_email__" data-cfemail="7b0b1a181a161a12173b15180e1a551c140d">[email protected]</span></a>.

SUPPLEMENTARY INFORMATION: The National Credit Union Administration 
(NCUA) is conducting a comprehensive review of the loan, deposit, and 
investment information collected electronically during examinations of 
federally insured credit unions (FICUs). The overarching goal is to 
modernize, formalize, and standardize data formats collected during 
examinations from the core data processing and offline systems \1\ used 
by credit unions. The purpose of this modernization effort is to:
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    \1\ Offline systems is defined as other IT systems not connected 
or linked to the core data processing system or third party vendors 
with loan, deposit, and investment data. These may include, but are 
not limited to, credit cards, mortgage loans, student loans, 
indirect loans, etc.
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    a. Achieve a more consistent examination process;
    b. Promote agency efficiencies and reduce burden on credit unions;
    c. Reduce onsite time by streamlining agency efforts to sort, 
organize, and format data;
    d. Improve data reliability and quality to enable more offsite 
work;
    e. Enhance the objectivity of examination conclusions with a more 
thorough and advanced portfolio analysis; and
    f. Support the Exam Flexibility Initiative's \2\ longer examination 
cycle, consistency between examiners, better communication, more 
efficient examination planning process, and better offsite monitoring 
tools.
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    \2\ https://www.ncua.gov/About/Documents/exam-flexibility/exam-flexibility-initiative-report-2016-oct.pdf
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    This RFI is a major step in NCUA's internal modernization efforts. 
After considerable research and analysis, the agency is now at a point 
where it can outline the scope of its planned improvements. In turn, 
NCUA seeks the views of the public on this initiative and is eager to 
gain input from interested stakeholders on a number of aspects related 
to the future data collection by NCUA. Specifically, this RFI explains 
NCUA's objectives and seeks insights from stakeholders in identifying 
the interrelated considerations and challenges that could arise if NCUA 
adopts a new standardized data format for loan, deposit, and investment 
data.\3\ NCUA will use information furnished by stakeholders to help 
further define data fields to collect electronically, develop a 
standard data format (including field names and definitions), and 
comprise an implementation strategy that reduces burden without 
compromising the agency's ability to safeguard the National Credit 
Union Share Insurance Fund (NCUSIF).
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    \3\ A standard data format will not replace or eliminate all 
examiner data requests occurring during an examination. NCUA 
encourages responders to recommend other data sources that NCUA 
could standardize to improve exam efficiency.
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    Separate and apart from the normal examination data download 
process, FICUs with assets greater than $10B must comply with 12 CFR 
702, subpart E which implements capital planning and stress testing.\4\ 
The information collected as part of this process is not the focus of 
this RFI as it differs significantly in timing, purpose, and content.
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    \4\ Implemented in 2014, NCUA's Office of National Examination 
and Supervision (ONES) collects detailed loan level data and select 
share data to run stress test scenarios and loan portfolio analytics 
for supervisory purpose. Currently, these credit unions send monthly 
data to NCUA on a quarterly basis using standard templates with 191 
unique data fields relevant to each data type including automobile, 
credit cards, student, real estate, member business loans, and other 
consumer loans. The sample formats in this RFI include 53 similar 
fields to those collected by ONES.
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    In addition to this RFI, the agency may seek clearance from the 
Office of Management and Budget to conduct stakeholder calls and form 
workgroups to gather additional information about barriers and benefits 
to this modernization initiative. NCUA invites interested parties to 
respond generally to this modernization initiative and specifically to 
the questions included in this RFI.

[[Page 50448]]

I. Background

    Examiners obtain electronic data at the beginning of every 
examination, during some supervision contacts, and on an ad hoc basis 
from credit unions. This raw data, sometimes from multiple sources and 
in multiple data files, provides examiners with essential information 
in evaluating credit and deposit risks in FICUs and is integral to risk 
supervision which is central to safeguarding the integrity of the 
NCUSIF. Before 1995, this data was in written format. In 1995, NCUA 
initiated the first electronic data collection \5\ encouraging FICUs to 
provide member data to examiners through standard download routines 
made available by their information processing vendor or written in-
house instead of paper listings and reports. In this letter, NCUA 
requested 12 member profile, 24 loan and 4 share fields electronically 
for each member record.\6\
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    \5\ NCUA Letter to Credit Unions Number 179, (September 1995).
    \6\ The download file for both loans and shares include the 12 
member profile fields.
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    In November 2000, NCUA encouraged adherence to the share and loan 
data record layout specifications to facilitate the import functions 
into NCUA's examination software, Automated Integrated Regulatory 
Examination System (AIRES).\7\ NCUA did not increase the electronic 
data fields or modify the data format with this communication.
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    \7\ NCUA Letter to Credit Unions 00-CU-09 (November 2000).
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    NCUA last changed the loan and share download in April 2003.\8\ 
Beginning June 30, 2003, the member profile fields were consolidated 
and one new field was added for a total of eight fields.\9\ The unique 
loan fields increased by eight and the unique share fields increased by 
nine to total 39 loan and 20 share data fields in the electronic 
download. Although NCUA did not make electronic data collection a 
requirement, NCUA did identify fields as ``critical'' and ``optional.'' 
NCUA requested FICUs provide all critical fields for successful import 
and use in the examination process. The letter identifies 15 critical 
fields in the share file and 25 critical fields in the loan file.
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    \8\ NCUA Letter to Credit Unions 03-CU-05 (April 2003).
    \9\ NCUA combined the member name, first name, last name, and 
middle initial into one field. Additionally, the zip code fields 
were consolidated and social security number was added to the share 
download resulting in the number of unique member profile fields to 
decline from 12 to 8. The member profile fields are currently 
included in each loan and each share download.
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    In 2009, NCUA informed federal credit unions (FCUs) of the 
membership data collection and information extracted from the 
electronic loan and share download gathered during examinations.\10\ 
NCUA did not increase the electronic data fields or modify the data 
format with this communication.
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    \10\ NCUA Letter to Federal Credit Unions 09-FCU-03 (January 
2009).
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II. Reason for Modernization Initiative

    The credit union industry is dynamic, with FICUs growing larger and 
more complex each year. NCUA must ensure its data collection vehicles 
evolve with industry practices and examination/supervision procedures 
so:
    a. All material FICU risk exposures are captured;
    b. data offering little insight into these exposures are no longer 
solicited; and
    c. the reporting burden on supervised institutions--particularly 
small or non-complex credit unions--is minimized.
    Increasing industry complexity, a desire for more effective offsite 
supervision, and evolving technologies necessitated a review of the 
current process in favor of opportunities to improve efficiencies and 
reduce the examination burden on credit unions. Table 1 illustrates the 
evolution of the FICU industry since NCUA last changed the electronic 
data collection in April 2003. Although the number of institutions has 
declined, FICUs continue to grow in assets, loans, shares, membership, 
and complexity.

                    Table 1--FICU Trends Since the Last Change in Electronic Data Collection
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                                                             12/31/2003         3/31/2017          Change (%)
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FICUs..................................................              9,369              5,737            (63.33)
Total Assets...........................................           $610.16B             $1.34T             119.62
Total Loans............................................           $376.11B           $884.58B             135.20
    Consumer Loans \11\................................           $187.53B           $390.07B             108.00
    Credit Card Loans..................................            $21.84B            $51.59B             136.21
    Indirect Loans.....................................           \12\ Not           $172.56B      Not available
                                                                 collected
    Participation Loans................................              $4.5B            $29.97B             566.00
    Real Estate Loans \13\.............................           $168.26B           $438.93B             160.86
    Commercial/MBL.....................................             $9.32B            $68.89B             639.16
    Student Loans \14\.................................      Not collected             $3.99B      Not available
Total Shares...........................................           $528.34B             $1.13T             113.88
Average Assets.........................................            $65.10M            $233.0M             257.91
Median Assets..........................................            $10.55M            $29.97M             184.08
# Loans................................................             40.92M             61.01M              49.10
# Shares Accounts......................................            142.34M            204.44M              43.63
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    Today, examiners frequently request additional reports and data 
electronically during examinations above and beyond the loan and share 
download including, but not limited to: Investment data, credit cards, 
indirect loans, participation loans, and commercial/member business 
loans. These requests are compelled by increased complexity, more 
services, and extensive loan products offered to credit union members. 
These requests may be made before an examination begins or throughout 
the process. As NCUA has not defined a standard data

[[Page 50449]]

structure and fields for different loan types,\15\ the characteristics 
of data presented in these files often differs from credit union to 
credit union and vendor to vendor. The unique formats can result in 
credit union resources to produce and explain their individual reports 
to examiners. This also creates examination inefficiencies for credit 
unions and examiners as the reports may not contain all information 
requested by the examiner and additional information requests may be 
made. Further, data limitations and inconsistency results in disparate 
evaluations of risk at different credit unions and across all FICUs.
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    \11\ Includes unsecured loans, lines of credit, vehicle loans, 
short-term, small dollar amount loans, and leases receivable. This 
number may include some overlap with indirect, participation, and 
commercial/MBLs based on categories of reporting on the 5300 Call 
Report.
    \12\ The December 31, 2003 5300 Call Report only collected 
Indirect Loans Granted Year-To-Date. NCUA first started collecting 
total outstanding indirect loans with the March 31, 2014 Call 
Report. Credit unions reported a total of $97.35B indirect loans as 
of March 31, 2014. Since that initial reporting, indirect loans have 
increased 77.3%.
    \13\ Total real estate loans includes commercial/MBLs secured by 
real estate.
    \14\ Non-federally guaranteed student loans as reported on the 
5300 Call Report. NCUA first started collecting this information 
with the March 31, 2014 Call Report. Credit unions reported a total 
of $2.84B non-federally guaranteed student loans as of March 31, 
2014. Since that initial reporting, these loans have increased 
40.49%.
    \15\ Most credit unions must obtain reports from other systems 
and third party vendors for real estate, commercial/member business 
loans, student loans, credit cards, participation, and indirect 
loans. Examiners primarily receive consumer and real estate loan 
information in the current loan and share download limited to the 
data fields defined in NCUA Letter to Credit Unions 03-CU-05.
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    As part of the broader enterprise modernization effort, NCUA 
desires to improve loan and deposit portfolio analytics used during 
FICU examinations to provide for more consistent analysis of risk 
within and across institutions to mitigate losses to the NCUSIF. Data 
standardization is paramount to effectively use more robust analytic 
tools and will also benefit credit unions outside of the examination 
context, as credit unions have been known to use the download when two 
credit unions are merging to transfer records. It has also been used 
with some third party vendors for analytics, reporting, and data 
processing conversions.
    NCUA acknowledges there are challenges with a standard data format. 
Credit unions use dozens of data processing systems and third party 
vendors for originating, recording, and monitoring loans, deposits, and 
investments. Additionally, there are many variations and platforms, 
including credit union developed information technology systems, with 
varying data content and formats. Responses to the questions in this 
RFI will inform NCUA of the extent to which FICUs can provide data 
electronically in a standard format and identify data fields available 
for electronic collection. Additionally, NCUA welcomes suggested 
implementation strategies that reduce burden without compromising the 
agency's ability to safeguard the NCUSIF.

III. Information Security

    NCUA exercises great care in protecting sensitive and personally 
identifiable information. As a federal agency, NCUA must comply with 
mandatory security standards for federal information and information 
systems \16\ and must meet these minimum information security 
requirements by using security and privacy controls recommended by the 
National Institute of Standards and Technology (NIST).\17\ In addition 
to NIST standards and guidelines, NCUA is subject to federal statutes 
such as the Federal Information Security Modernization Act (FISMA) of 
2014, the E-Government Act of 2002, the Privacy Act of 1974 and various 
OMB policies and guidance concerning federal information management, 
FISMA reporting, and privacy.
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    \16\ FIPS Publication 199, Standards for Security Categorization 
of Federal Information and Information Systems; FIPS Publication 
200, Minimum Security Requirements for Federal Information and 
Information Systems.
    \17\ NIST Special Publication 800-53 (Rev. 4), Security and 
Privacy Controls for Federal Information Systems and Organizations.
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    NCUA uses administrative, technical, and physical controls, 
including but not limited to: Periodic review and authorization of 
information systems; proactive threat assessment and continuous 
monitoring; and annual general and role-based security training for 
employees and contractors. We also leverage independent tests and 
evaluations from other government agencies and third-party assessors.
    The Office of the Inspector General (OIG) conducts independent 
audits, investigations and other activities to verify NCUA's compliance 
with applicable standards, laws and regulations related to privacy and 
information security and keeps the NCUA Board and U.S. Congress fully 
and currently informed of their work. The OIG conducts a FISMA and 
Federal Managers' Financial Integrity Act (FMFIA) audit annually to 
ensure NCUA has effectively implemented all appropriate security and 
privacy controls.\18\
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    \18\ The results of these audits are reported both internally 
and externally to ensure completion of all remedial findings. Credit 
Unions and their members can review OIG Audit Reports, Semiannual 
Reports and Letter to Congress at https://www.ncua.gov/About/Pages/inspector-general/reports.aspx.
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    Request for Comment: NCUA is providing questions about major 
aspects of this electronic data modernization to target issues the 
public would like addressed by the effort. The questions are not 
intended to limit discussion. Indeed, responders may explore an issue 
relevant to this initiative.
    Responses containing references to studies, research, or data not 
widely available to the public should include copies of referenced 
materials. A description of the commenter's organization and its 
interest in the electronic data will help NCUA use the input provided.

a. Electronic Data Collection Modernization Questions

    1. To the extent an FICU offers the loan and deposit services and 
has the investment instruments identified in the section b, are there 
any example data fields listed in this RFI that cannot be reasonably 
provided electronically? What other data fields could be provided that 
NCUA should consider collecting electronically?
    2. For electronic data, what file formats (e.g., Microsoft Excel, 
CSV, etc.) are available?
    3. If a FICU cannot provide data electronically, to what extent is 
the limitation due to the IT systems (e.g., the field is not available 
in the IT system to be captured electronically)? To what extent is the 
limitation because a credit union is not electronically collecting the 
data now (e.g., loan underwriting information captured in the loan 
file, such as a calculated debt to income ratio, but is not stored in 
an IT system that can capture that data)?
    4. What is the number of vendors, systems, or service providers the 
FICU uses for loans (all types), deposits, and investments you 
currently can or would extract data for examination purposes? 
Specifically, how many are used for each category (e.g., loans, 
deposits, and investments)?
    5. To what extent does the FICU rely on a third party vendor to 
create and produce raw data downloads? Does the vendor provide the 
credit union with the flexibility to self-customize reporting for data 
attributes?
    6. What are the technological challenges NCUA should consider with 
a standardized data format (e.g., specific file names, format, etc.)?
    7. What additional initial and annual costs would you estimate a 
FICU could incur to generate and provide data electronically in a 
standard format (e.g., pass through costs from vendors, in-house 
development resources, etc.)?
    8. Does the credit union or vendor have the ability to retain and 
create the current loan and share download data format (with no 
changes) as well as new download data formats? \19\
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    \19\ NCUA is modernizing our examination platform and analytics. 
The new data format will be used with these technological 
advancements. Until the current systems that use the existing 
download are retired, examiners will need the current download file 
as existing tools may not be able to accommodate a new download data 
format.
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    9. Should NCUA eliminate the ``critical'' and ``optional'' data

[[Page 50450]]

categorizations discussed in NCUA Letter to Credit Unions 03-CU-05? If 
yes, what approaches would you propose NCUA use to collect standardized 
data for better analytics and examination efficiencies?
    10. With the exception of the example data formats based on data 
type discussed in this RFI, what alternatives would you propose for 
NCUA to collect data in a standardized format that minimizes the credit 
union burden?
    11. What implementation strategies and timeline should NCUA 
consider with this modernization? For example, what is the anticipated 
timeframe for a FICU or vendor to provide the sample data fields and 
the associated format? How should NCUA ensure FICUs use the standard 
data format?
    12. What specific information security controls or assurances are 
expected from NCUA to reasonably safeguard the electronic loan, share, 
and investment data?
    Commenters are also encouraged to discuss any other relevant issues 
they believe NCUA should consider with respect to the electronic 
collection of loan, deposit, and investment data.

b. Sample Loan, Deposit, and Investment Electronic Data Collection

    NCUA is requesting input and feedback on sample data fields and the 
associated format.\20\ The information in tables 2-9 is preliminary and 
is presented for discussion and input purposes only. For sample 
purposes only, NCUA is presenting one data format for all deposit 
types, one for investment data,\21\ and different data formats for 
loans based on the loan type.\22\ To the extent the FICU offers these 
loan and deposit services and has these investment instruments, NCUA is 
asking stakeholders to identify if FICUs can provide these and other 
data fields electronically in their response to the RFI. Similar to the 
download process today, credit unions would be permitted to submit 
multiple data files electronically for loans, deposits, and 
investments.
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    \20\ These data formats include 9 member profile, 18 deposit, 
120 loan, and 12 investment unique data files. They include all data 
fields listed in Letter to Credit Unions 03-CU-05, except three data 
fields that would be overlapping with new data fields--Date of Last 
Activity, Last Activity Code, and Credit Limit at origination.
    \21\ As of March 31, 2017, FICUs reported the following 
investments: Securities: 40.9% of all FICUs; Non-negotiable CDs: 
83.7%.
    \22\ Loan types include consumer, indirect, participations, 
residential real estate, student loans, and commercial/member 
business loans. As of March 31, 2017, FICUs reported the following 
loan services: Consumer: 100% of FICUs; Indirect: 33.1%; 
Participation: 27.2%; Real estate: 75.6%; Non-guaranteed federal 
student Loans: 12.1%; Commercial/MBL: 37.9%.
    \23\ Identifies fields requested in NCUA Letter to Credit Unions 
03-CU-05 (April 2003). Fields identified with an asterisk (*) are 
categorized as ``critical'' fields by NCUA in Letter to Credit 
Unions 03-CU-05.

                                                           Table 2--Deposit Electronic Fields
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                                                                                                                                         Current NCUA
             Number                  Applies to             Field              Description              Example         Data format     standard field
                                                                                                                                             \23\
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D1.............................  All Share Accounts  Effective date of   Effective date of the    03312017..........  Date..........  No.
                                                      the download.       data.
D2.............................  All Share Accounts  Record Code.......  Indicate D for           D.................  D/L/I.........  Yes .*
                                                                          Deposits, L for Loans,
                                                                          I for Investment.
D3.............................  All Share Accounts  Taxpayer ID.......  Nine digit code used by  123456789.........  Number........  Yes .*
                                                                          the U.S. Government
                                                                          (TIN). For individuals
                                                                          use Social Security
                                                                          number.
D4.............................  All Share Accounts  Member ID.........  Primary key identifier   ABC123456.........  Text..........  Yes .*
                                                                          for the entity. This
                                                                          is the number used to
                                                                          uniquely identify the
                                                                          member/non-member such
                                                                          as an account number.
D5.............................  All Share Accounts  Member Name.......  Full legal name.         Long Sr., John, S.  Text..........  Yes .*
                                                                          Format: Last Name,
                                                                          Suffix (if
                                                                          applicable), First
                                                                          Name, Middle Initial
                                                                          for individuals. For
                                                                          business provide full
                                                                          legal name.
D6.............................  All Share Accounts  Address Line 1....  Street address.........  7247 Circle Sun...  Text..........  Yes .*
D7.............................  All Share Accounts  Address Line 2....  Address line 2.........  P.O. Box 858......  Text..........  Yes
D8.............................  All Share Accounts  City..............  City where borrower      Fairfax...........  Text..........  Yes .*
                                                                          resides. For business
                                                                          account, provide the
                                                                          city of the main or
                                                                          head office.
D9.............................  All Share Accounts  State.............  Post office state code   NM................  Text..........  Yes .*
                                                                          where borrower
                                                                          resides. For business
                                                                          accounts, provide the
                                                                          state of the main or
                                                                          head office.
D10............................  All Share Accounts  Zip Code..........  Zip code where borrower  80521.............  Number........  Yes .*
                                                                          resides. For business
                                                                          accounts, provide the
                                                                          zip code of the main
                                                                          or head office.
D11............................  All Share Accounts  Insiders and        If data supports,        E.................  Text..........  Yes.
                                                      Employees.          report ``D'' for
                                                                          directors, supervisory
                                                                          committee, and credit
                                                                          committee members,
                                                                          ``O'' for executive
                                                                          officers, and ``E''
                                                                          for employees who are
                                                                          not executive
                                                                          officers. If the CEO
                                                                          is also the Board
                                                                          Treasurer, report as
                                                                          an executive officer--
                                                                          ``O''. If the credit
                                                                          union or vendor data
                                                                          does not support this
                                                                          scheme, simply
                                                                          identify insider
                                                                          status with Y/N.

[[Page 50451]]

 
D12............................  All Share Accounts  Non-member........  Indicator to identify    Y.................  Y/N...........  No.
                                                                          non-member share
                                                                          accounts.
D13............................  All Share Accounts  Share Balance.....  Current balance of the   156.45............  Number........  Yes .*
                                                                          share account, signed
                                                                          with two decimal
                                                                          places.
D14............................  All Share Accounts  Share Type Code...  System code to identify  R.................  Text..........  Yes .*
                                                                          certificates, regular,
                                                                          draft, IRA, money
                                                                          market and other share
                                                                          deposit accounts.
D15............................  All Share Accounts  Dividend Rate.....  Current dividend rate    2.................  Number........  Yes .*
                                                                          for each share account.
D16............................  All Share Accounts  Date of Last        Date of last deposit or  03312017..........  Date..........  Yes .*
                                                      Activity.           withdrawal.
D17............................  All Share Accounts  Share Amount        Dollar amount of the     5000.00...........  Number........  Yes .*
                                                      Frozen.             account the member
                                                                          cannot access.
D18............................  All Share Accounts  Last Activity Code  Identifies the type of   FM................  Text..........  Yes.
                                                                          account activity that
                                                                          occurred last by code.
D19............................  All Share Accounts  Accrued Dividend    Dollar amount of         25.36.............  Number........  Yes.
                                                      Interest.           accrued dividends.
D20............................  All Share Accounts  Last File           Last date of any non-    03312017..........  Date..........  Yes.
                                                      Maintenance Date.   financial modification
                                                                          to the account (e.g.,
                                                                          dividend rate, member
                                                                          address, etc.).
D21............................  All Share Accounts  Last File           Approving official or    AH................  Text..........  Yes.
                                                      Maintenance User    employee's transaction
                                                      ID or Initials.     code or initials.
D22............................  All Share Accounts  Date Negative       The date the share       03312017..........  Date..........  No.
                                                      Shares.             account first went
                                                                          negative without cure.
D23............................  All Share Accounts  Joint Owner.......  Provide the name of the  Long Sr., John, S.  Text..........  No.
                                                                          joint owner's full
                                                                          legal name. Format:
                                                                          Last Name, Suffix (if
                                                                          applicable), First
                                                                          Name, Middle Initial
                                                                          for individuals. For
                                                                          businesses, provide
                                                                          full legal name.
D24............................  All Share Accounts  Membership Type...  Provide the membership   Business..........  Text..........  No.
                                                                          type using the
                                                                          following identifiers:
                                                                          Single ownership,
                                                                          Joint ownership,
                                                                          Trustee, or Business.
D25............................  All Share Accounts  Last Statement      Date the member          03312017..........  Date..........  No.
                                                      Date.               statement was last
                                                                          generated.
D26............................  Share Certificate   Step/Bump Dividend  Indicator if the share   Y.................  Y/N...........  No.
                                  Accounts.           Rate.               certificate product
                                                                          has a term that allows
                                                                          the member to ``step-
                                                                          up'' or ``bump-up''
                                                                          the dividend rate.
D27............................  Share Certificate   Certificate Date    Date member opened the   03312017..........  Date..........  Yes .*
                                  Accounts.           Granted.            share certificate
                                                                          account.
D28............................  Share Certificate   Certificate         Date the share           03312017..........  Date..........  Yes .*
                                  Accounts.           Maturity Date.      certificate will
                                                                          mature.
D29............................  Business Accounts.  Name of             Full legal name of       Long Sr., John, S.  Text..........  No.
                                                      Beneficiaries.      individuals who are
                                                                          beneficiaries on
                                                                          business accounts.
                                                                          Format: Last Name,
                                                                          Suffix (if
                                                                          applicable), First
                                                                          Name, Middle Initial.
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    \24\ NCUA has not previously published a standard structure for 
investment data. This will facilitate robust analytics with a 
dynamic, quantitative third-party service platform for interest rate 
risk assessment of individual securities and portfolios without 
requiring the examiner to reformat data files or request additional 
data from the credit union.

                                        Table 3--Security and Non-Negotiable CD Investment Electronic Fields \24\
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                                                  Current NCUA  standard
              Number                        Field                  Description                Example             Data format              field
--------------------------------------------------------------------------------------------------------------------------------------------------------
I1................................  Download Cut-off date  Effective date of the data  03312017.............  Date..............  No.
I2................................  Record Code..........  Report D for Deposits, L    L....................  D/L/I.............  No.
                                                            for Loans, I for
                                                            Investment.
I3................................  CUSIP Number.........  Committee on Uniform        23345abcd............  Text..............  No.
                                                            Securities Identification
                                                            Procedures number.
                                                            Security identifier.

[[Page 50452]]

 
I4................................  Original Face Value..  Original face value of the  100,000..............  Number............  No.
                                                            investment.
I5................................  Current Face Value...  Current face value of the   100,000..............  Number............  No.
                                                            investment.
I6................................  Book Value...........  Current book value of the   102,000..............  Number............  No.
                                                            investment.
I7................................  Fair Value...........  Current fair value of the   102,000..............  Number............  No.
                                                            investments.
I8................................  Maturity Date........  Maturity date of            12312017.............  Date..............  No.
                                                            investment.
I9................................  Coupon/Rate..........  Stated coupon or rate of    5....................  Number............  No.
                                                            investment.
I10...............................  Floating Rate........  Indicator if the            Y....................  Y/N...............  No.
                                                            investment has floating
                                                            rate.
I11...............................  Issuer...............  Name of issuer of the       Wells Fargo Bank.....  Text..............  No.
                                                            investment.
I12...............................  Settlement Date......  Date funds are exchanged..  10312015.............  Date..............  No.
--------------------------------------------------------------------------------------------------------------------------------------------------------

     
---------------------------------------------------------------------------

    \25\ Identifies fields requested in NCUA Letter to Credit Unions 
03-CU-05 (April 2003). Fields identified with an asterisk (*) are 
categorized as ``critical'' fields by NCUA in Letter to Credit 
Unions 03-CU-05.
    \26\ NCUA reviewed the Interagency Loan Data Request (ILDR) 
issued in March 2013. The ILDR provides a standard format for banks 
to electronically provide loan data. In comparison to the 82 data 
fields in the ILDR, the sample loan formats include 61 similar loan 
fields. https://www.fdic.gov/news/news/financial/2013/fil13012.html.

                                                Table 4--Consumer and Credit Card Loan Electronic Fields
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                                     Current NCUA
             Number                     Field              Description              Example         Data format     standard field      ILDR Field \26\
                                                                                                                         \25\
--------------------------------------------------------------------------------------------------------------------------------------------------------
C1.............................  Effective date of   Effective date of the    03312017..........  Date..........  No................  No.
                                  the download.       data.
C2.............................  Record Code.......  Indicate D for           L.................  D/L/I.........  Yes*..............  No.
                                                      Deposits, L for Loans,
                                                      I for Investment.
C3.............................  Taxpayer ID.......  Nine digit code used by  123456789.........  Number........  Yes*..............  Yes.
                                                      the US Government
                                                      (TIN). For individuals
                                                      use social security
                                                      number.
C4.............................  Borrower ID.......  Primary key identifier   ABC123456.........  Text..........  Yes*..............  Yes.
                                                      for the entity. This
                                                      is the number used to
                                                      uniquely identify the
                                                      member/non-member such
                                                      as an account number.
C5.............................  Member Name.......  Full legal name.         Long Sr., John, S.  Text..........  Yes*..............  Yes.
                                                      Format: Last Name,
                                                      Suffix (if
                                                      applicable), First
                                                      Name, Middle Initial
                                                      for individuals. For
                                                      business provide full
                                                      legal name.
C6.............................  Address Line 1....  Street address.........  7247 Circle Sun...  Text..........  Yes*..............  Yes.
C7.............................  Address Line 2....  Address line 2.........  PO Box 858........  Text..........  Yes...............  Yes.
C8.............................  City..............  City where borrower      Fairfax...........  Text..........  Yes*..............  Yes.
                                                      resides. For business
                                                      accounts, provide the
                                                      city of the main or
                                                      head office.
C9.............................  State.............  Post office state code   NM................  Text..........  Yes*..............  Yes.
                                                      where borrower
                                                      resides. For business
                                                      accounts, provide the
                                                      state of the main or
                                                      head office.
C10............................  Zip Code..........  Zip code where borrower  80521.............  Number........  Yes*..............  Yes.
                                                      resides. For business
                                                      accounts, provide the
                                                      zip code of the main
                                                      or head office.
C11............................  Insiders and        If data supports,        E.................  Text..........  Yes...............  Yes.
                                  Employees.          report ``D'' for
                                                      directors, supervisory
                                                      committee, and credit
                                                      committee members,
                                                      ``O'' for executive
                                                      officers, and ``E''
                                                      for employees who are
                                                      not executive
                                                      officers. If the CEO
                                                      is also the Board
                                                      Treasurer, report as
                                                      an executive officer--
                                                      ``O''. If the credit
                                                      union or vendor data
                                                      does not support this
                                                      scheme, simply
                                                      identify insider
                                                      status with Y/N.
C12............................  Business Type.....  Provide the member's     54194.............  Text..........  No................  Yes.
                                                      North American
                                                      Industry
                                                      Classification System
                                                      (NAICS) code where
                                                      majority of their
                                                      revenue is generated
                                                      from.
C13............................  Branch ID.........  Identifies the           01C...............  Text..........  Yes...............  Yes.
                                                      originating service
                                                      facility.
C14............................  Loan ID...........  Unique identifier for    A.................  Text..........  No................  Yes.
                                                      each loan.

[[Page 50453]]

 
C15............................  Loan Category.....  The type of loan.        Commercial........  Text..........  No................  No.
                                                      Provide ``Commercial/
                                                      MBL'', ``Residential
                                                      Real Estate'', or
                                                      ``Consumer''.
C16............................  Loan Type.........  The type of loan         Capital LOC.......  Text..........  Yes*..............  Yes.
                                                      product as defined by
                                                      the vendor or credit
                                                      union (e.g. New or
                                                      Used Auto, Credit Card
                                                      Fixed, Credit Card
                                                      Variable, etc.).
C17............................  Purpose Code......  Description of what the  Auto purchase.....  Text..........  Yes*..............  Yes.
                                                      proceeds will be used
                                                      for; Reason for loan.
C18............................  Origination Date..  The note date; date the  03312017..........  Date..........  Yes*..............  Yes.
                                                      loan was originated.
                                                      Do not report the date
                                                      of last advance.
C19............................  Original Loan       The original principal   1500.45...........  Number........  Yes*..............  Yes.
                                  Amount.             amount of the loan.
C20............................  Payment Amount....  Amount of regularly      780.25............  Number........  Yes*..............  Yes.
                                                      scheduled payment.
C21............................  Loan Term.........  The contractual number   60................  Number........  Yes*..............  Yes.
                                                      of payments required
                                                      by the note or
                                                      modification of the
                                                      note.
C22............................  Payment Frequency.  The interval of time     M.................  Text..........  Yes*..............  Yes.
                                                      payments are
                                                      contractually required
                                                      (monthly, quarterly,
                                                      annually, balloon/
                                                      maturity, etc.).
C23............................  Balloon Flag......  Indicator the loan is a  Y.................  Y/N...........  No................  No.
                                                      balloon loan.
C24............................  Balloon Term......  Number of months from    84................  Number........  No................  No.
                                                      origination until
                                                      balloon date.
C25............................  Interest Only Flag  Indicator the borrower   Y.................  Y/N...........  No................  No.
                                                      pays only the interest
                                                      on the principal
                                                      balance for a set
                                                      period of time, with
                                                      the principal balance
                                                      unchanged.
C26............................  Interest Only Term  The length of time (in   12................  Number........  No................  No.
                                                      months) during which
                                                      the borrower pays only
                                                      interest on the
                                                      principal balance.
C27............................  First Payment Date  Date the first payment   03312017..........  Date..........  No................  No.
                                                      was/is due.
C28............................  Maturity Date.....  Date when full payment   03312017..........  Date..........  No................  Yes.
                                                      on the loan is
                                                      contractually due. For
                                                      balloon loans, this
                                                      should be the same as
                                                      the balloon expiration
                                                      date.
C29............................  Interest Rate.....  The contractual rate of  5.000.............  Number........  Yes*..............  Yes.
                                                      interest currently
                                                      applied to this loan
                                                      at origination.
C30............................  Loan Type.........  The type of loan         Capital LOC.......  Text..........  Yes...............  Yes.
                                                      product as defined by
                                                      the vendor or credit
                                                      union (e.g. New or
                                                      Used Auto, Credit Card
                                                      Fixed, Credit Card
                                                      Variable, etc.).
C31............................  Current Interest    The contractual rate of  5.................  Number........  No................  Yes.
                                  Rate.               interest currently
                                                      applied to this loan.
C32............................  First Rate          Initial date the         03312017..........  Date..........  No................  No.
                                  Adjustment Date.    interest rate will/did
                                                      adjust on variable
                                                      rate loans.
C33............................  Next Rate           Future date interest     03312017..........  Date..........  No................  No.
                                  Adjustment Date.    rate will adjust on
                                                      variable rate loans.
C34............................  Lifetime Interest   The maximum rate the     18.000............  Number........  No................  Yes.
                                  Rate Cap.           loan can reach over
                                                      its contractual term.
C35............................  Interest Rate       The minimum rate the     4.000.............  Number........  No................  No.
                                  Floor.              loan can reach over
                                                      its contractual term.
C36............................  Variable Rate       Interest rate base       Prime.............  Text..........  No................  Yes.
                                  Index.              index used when the
                                                      loan's rate varies
                                                      with an index.
C37............................  Variable Rate       The margin added or      2.................  Number........  No................  No.
                                  Margin.             subtracted from the
                                                      index to get the rate.
C38............................  Current Credit      The maximum a borrower   2500.00...........  Number........  No................  No.
                                  Limit.              can currently incur.
C39............................  Date Closed.......  Date a line of credit    03312017..........  Date..........  No................  No.
                                                      was closed.
C40............................  Credit Score at     Credit score of the      825...............  Number........  Yes*..............  Yes.
                                  Origination.        primary borrower (e.g.
                                                      FICO or Beacon)
                                                      obtained from a credit
                                                      bureau that was used
                                                      in the underwriting of
                                                      the credit. If two
                                                      bureau scores were
                                                      used, provide the
                                                      highest score. If the
                                                      credit union obtains
                                                      all three bureau
                                                      scores, provide the
                                                      middle score.
C41............................  Original Credit     Date of the primary      03312017..........  Date..........  No................  No.
                                  Score Date.         borrower's credit
                                                      score at origination.

[[Page 50454]]

 
C42............................  Current Credit      Most recent primary      745...............  Number........  No................  No.
                                  Score.              borrower credit score
                                                      obtained by the credit
                                                      union.
C43............................  Current Credit      Most recent date of      03312017..........  Date..........  No................  No.
                                  Score Date.         updated credit score
                                                      for the primary
                                                      borrower.
C44............................  Guarantor.........  Name of entity/person    Long Sr., John, S.  Text..........  No................  Yes.
                                                      that guarantees the
                                                      loan. With multiple
                                                      guarantors, give the
                                                      primary one.
C45............................  Co-Maker/Co-        The name of the co-      Long Sr., John, S.  Text..........  No................  Yes.
                                  Borrower/           maker/co-borrower
                                  Guarantor.          whose signature(s)
                                                      appears on the
                                                      promissory note or
                                                      loan agreement.
                                                      Provide the first one
                                                      when there are
                                                      multiple co-makers/co-
                                                      borrowers.
C46............................  Co-Maker/Co-        Credit score of the co-  680...............  Number........  No................  No.
                                  Borrower Credit     maker/co-borrower at
                                  Score at            the time of
                                  Origination.        origination.
C47............................  Current Credit      Most recent date of      03312017..........  Date..........  No................  No.
                                  Score Date of Co-   updated credit score
                                  Borrower.           of the co-borrower/co-
                                                      maker.
C48............................  Original Credit     Credit score of the co-  800...............  ..............  No................  No.
                                  Score Date of Co-   borrower/co-maker
                                  Borrower.           (e.g. FICO or Beacon)
                                                      obtained from a credit
                                                      bureau that was used
                                                      in the underwriting of
                                                      the credit. If two
                                                      bureau scores were
                                                      used, provide the
                                                      highest score. If the
                                                      credit union obtains
                                                      all three bureau
                                                      scores, provide the
                                                      middle score.
C49............................  Loan Officer......  Code or loan officer     BB................  Text..........  No................  Yes.
                                                      name responsible
                                                      underwriting and/or
                                                      borrower relationship.
C50............................  Loan Approver.....  Code or name of          AG................  Text..........  Yes...............  No.
                                                      approving official.
                                                      Indicate if approved
                                                      by the Credit
                                                      Committee or Board of
                                                      Directors.
C51............................  Loan Risk Grade...  Credit union internal    A.................  Text..........  Yes...............  Yes.
                                                      risk rating at
                                                      origination. The
                                                      credit union's
                                                      internal loan risk
                                                      grade (e.g., A, B, C,
                                                      or D paper).
C52............................  Collateral          Indicator loan has       Y.................  Y/N...........  No................  No.
                                  Protection          coverage for when
                                  Insurance.          insurance coverage
                                                      lapses.
C53............................  GAP Indicator.....  Indicator the member     Y.................  Y/N...........  No................  No.
                                                      purchased gap
                                                      insurance on the
                                                      collateral.
C54............................  Credit Life.......  Indicator loan has a     Y.................  Y/N...........  No................  No.
                                                      life insurance policy
                                                      designed to pay off
                                                      the borrower's debt if
                                                      they die.
C55............................  Credit Disability.  Indicator loan has       N.................  Y/N...........  No................  No.
                                                      disability insurance
                                                      designed to pay the
                                                      borrower's debt if
                                                      they become disabled.
C56............................  Loan Collateral...  The narrative            1996 Ford Mustang.  Text..........  No................  Yes.
                                                      description of the
                                                      collateral (e.g.,
                                                      year, make and model;
                                                      38 unit apartment
                                                      building, etc.).
C57............................  Collateral Code...  The system code          Residential real    Text..........  Yes*..............  Yes.
                                                      associated with the      estate.
                                                      collateral type (e.g.,
                                                      residential real
                                                      estate, etc.).
C58............................  Origination         Total value of           50000.00..........  Number........  No................  Yes.
                                  Collateral Value.   collateral at loan
                                                      origination.
C59............................  Collateral          Date collateral was      20170313..........  Date..........  No................  Yes.
                                  Valuation/          appraised or valued at
                                  Appraisal Date      loan origination.
                                  (Origination).
C60............................  Current Collateral  Dollar value of          45150.65..........  Number........  No................  No.
                                  Value.              collateral when last
                                                      assessed by the credit
                                                      union.
C61............................  Most Recent         Date collateral was      03312017..........  Date..........  No................  Yes.
                                  Collateral Value/   last appraised or
                                  Appraisal Date.     valued.
C62............................  Lien Position.....  The credit union's lien  1.................  Number........  No................  Yes.
                                                      position on the
                                                      collateral (e.g., 1st,
                                                      2nd, 3rd, etc.). If
                                                      more than one
                                                      collateral, identify
                                                      the primary
                                                      collateral's lien
                                                      position.
C63............................  VIN Number........  Vehicle Identification   1GTV2TEH8EZ173011.  Text..........  No................  No.
                                                      Number/unique
                                                      identifier for
                                                      collateral.

[[Page 50455]]

 
C64............................  Current Loan        Current outstanding      84500.01..........  Number........  Yes*..............  Yes.
                                  Balance.            principal balance of
                                                      the loan. If the
                                                      member has overpaid
                                                      the note and the
                                                      credit union is
                                                      carrying a credit
                                                      balance, provide the
                                                      number as a negative
                                                      balance with a minus
                                                      sign as the first
                                                      character (e.g., -
                                                      33.56).
C65............................  Date of Last        Date the last payment    03312017..........  Date..........  No................  Yes.
                                  Payment.            was made.
C66............................  Number of           The remaining            24................  Number........  Yes*..............  No.
                                  Remaining           contractual number of
                                  Payments.           payments required by
                                                      the loan.
C67............................  Next Payment Due    The date the next        03312017..........  Date..........  Yes*..............  Yes.
                                  Date.               payment, principal or
                                                      interest, is due. For
                                                      delinquent loans, this
                                                      will be in the past.
C68............................  Accrued Interest..  Total amount of          180.32............  Number........  Yes*..............  Yes.
                                                      interest accrued and
                                                      not yet received on a
                                                      loan.
C69............................  Late Charges......  Late charges currently   95.06.............  Number........  No................  Yes.
                                                      due and unpaid.
C70............................  Debt to Income      Debt payments divided    35.670............  Number........  No................  No.
                                  Ratio.              by gross or net income
                                                      calculated at time of
                                                      loan origination.
C71............................  Days Past Due.....  Number of days the note  75................  Number........  Yes*..............  Yes.
                                                      is past due beyond the
                                                      due date as of the
                                                      effective date of the
                                                      download. If loan is
                                                      current or paid ahead,
                                                      report as zero.
C72............................  Delinquency         Number of times past     2.................  Number........  Yes...............  Yes.
                                  Counter 30-59       due 30-59 days since
                                  Days.               origination date.
C73............................  Delinquency         Number of times past     4.................  Number........  Yes...............  Yes.
                                  Counter 60-89       due 60-89 days since
                                  Days.               origination date.
C74............................  Delinquency         Number of times past     0.................  Number........  Yes...............  Yes.
                                  Counter 90-119      due 90-119 days or
                                  Days.               more since the
                                                      origination date.
C75............................  Delinquency         Number of times past     1.................  Number........  Yes...............  Yes.
                                  Counter 120 Days    due 120+ days or more
                                  +.                  since the origination
                                                      date.
C76............................  Last Renewal Date.  The date the loan was    03312017..........  Date..........  No................  Yes.
                                                      last renewed.
C77............................  Loan Modification.  Indicator if the loan    Y.................  Y/N...........  No................  No.
                                                      has been modified. A
                                                      loan modification
                                                      permanently
                                                      restructures the terms
                                                      of an existing loan. A
                                                      loan modification is
                                                      not a new loan, but a
                                                      renegotiation of an
                                                      existing loan.
C78............................  Date of Loan        Date of last loan        20170313..........  Date..........  No................  Yes.
                                  Modification.       modification.
C79............................  Capitalized         Amount of interest       259.63............  Number........  No................  Yes.
                                  Interest Amount.    added to the loan
                                                      principal balance.
C80............................  Amount of last      Dollar amount of the     55000.00..........  Number........  No................  No.
                                  advance.            last advance.
C81............................  Interest rate       Time between periodic    30................  Number........  No................  Yes.
                                  reset interval.     reset dates for
                                                      variable or adjustable
                                                      rate loans expressed
                                                      in days..
C82............................  Troubled Debt       Indicates if a loan is   Y.................  Y/N...........  No................  Yes.
                                  Restructure.        currently a troubled
                                                      debt restructure as
                                                      defined by GAAP.
C83............................  Nonaccrual........  Indicate if the loan is  N.................  Y/N...........  No................  Yes.
                                                      currently on
                                                      nonaccrual.
C84............................  Charge-Off Flag...  Indicator if entire      Y.................  Y/N...........  No................  No.
                                                      loan has been charged
                                                      off.
C85............................  Charge Off Amount.  Amount of principal      5000.00...........  Number........  Yes...............  Yes.
                                                      charged off this loan.
C86............................  Charge Off Date...  Date the loan was        03312017..........  Date..........  No................  No.
                                                      charged off.
C87............................  Last File           Date of last file        03312017..........  Date..........  Yes...............  No.
                                  Maintenance Date.   maintenance change on
                                                      this loan.
C88............................  Last File           User ID of person who    JB100.............  Text..........  Yes...............  No.
                                  Maintenance User    made last file
                                  ID or Initials.     maintenance change.
C89............................  Last File           Description of what was  DD................  Text..........  No................  No.
                                  Maintenance         last changed on the
                                  action Code.        member loan (e.g., due
                                                      date, name, loan
                                                      status, etc.).

[[Page 50456]]

 
C90............................  Interest Rate       Interest rate variance   2.25..............  Number........  No................  Yes.
                                  Spread.             from the index rate
                                                      changed on the note.
                                                      Express in terms of a
                                                      percentage. For
                                                      example, the premium
                                                      of a note written at
                                                      Prime +2.25% would be
                                                      expressed as 2.25.
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                                      Table 5--Indirect Loan Electronic Data Fields
--------------------------------------------------------------------------------------------------------------------------------------------------------
             Number                     Field              Description              Example         Data format   Current NCUA field      ILDR field
--------------------------------------------------------------------------------------------------------------------------------------------------------
Includes all fields from Table 4: Consumer and Credit Card Loan Electronic Data Fields and the following:
--------------------------------------------------------------------------------------------------------------------------------------------------------
ID1............................  Dealer Code.......  Name of sales agent for  Hanks Auto Sales..  Text..........  No................  Yes.
                                                      indirect auto loans.
ID2............................  Indirect Loan Flag  Indicator if the loan    Y.................  Y/N...........  No................  No.
                                                      was originated through
                                                      an indirect loan
                                                      program.
ID3............................  Dealer Reserve      Current dealer reserve   3,000.............  Number........  No................  Yes.
                                  Balance.            against the note.
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                                   Table 6--Participation Loan Electronic Data Fields
--------------------------------------------------------------------------------------------------------------------------------------------------------
             Number                     Field              Description              Example         Data format   Current NCUA field      ILDR field
--------------------------------------------------------------------------------------------------------------------------------------------------------
Includes all fields from Table 4: Consumer and Credit Card Loan Electronic Data Fields and the following:
--------------------------------------------------------------------------------------------------------------------------------------------------------
P1.............................  Participation Sold  The original amount of   9,000,000.........  Number........  No................  Yes.
                                  (Original Amount).  this note that was
                                                      sold.
P2.............................  Participation Sold  The current balance of   8,750,000.........  Number........  No................  Yes.
                                  (Current Balance).  the amount sold.
P3.............................  Participation       The original amount of   9,000,000.........  Number........  No................  No.
                                  Purchases           this note that was
                                  (Original Amount).  purchased.
P4.............................  Participation       The current balance of   8,750,000.........  Number........  No................  No.
                                  Purchases           the amount purchased.
                                  (Current Balance).
P5.............................  Purchase            Shows the percentage of  20.000............  Number........  No................  No.
                                  percentage.         the total
                                                      participation loan
                                                      owned by the credit
                                                      union for individual
                                                      loan purchases.
P6.............................  Originating/Lead    Shows the name of the    ABC FCU...........  Text..........  No................  No.
                                  Lender.             originating/lead
                                                      lender in the
                                                      participation.
P7.............................  Sold Percentage...  Identify the percentage  90.999............  Number........  No................  No.
                                                      of total participation
                                                      loan the credit union
                                                      sold.
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                              Table 7--Residential Real Estate Loan Electronic Data Fields
--------------------------------------------------------------------------------------------------------------------------------------------------------
             Number                     Field              Description              Example         Data format   Current NCUA field      ILDR field
--------------------------------------------------------------------------------------------------------------------------------------------------------
Includes all fields from Table 4: Consumer and Credit Card Loan Electronic Data Fields and the following:
--------------------------------------------------------------------------------------------------------------------------------------------------------
R1.............................  Property Type.....  Indicate the property    Condo.............  Text..........  No................  No.
                                                      type (e.g., Single,
                                                      Multi, Condominium,
                                                      etc.).
R2.............................  Collateral State..  Post office state code   AZ................  Text..........  No................  No.
                                                      where collateral
                                                      property is located.
R3.............................  Collateral City...  City where collateral    Phoenix...........  Text..........  No................  No.
                                                      property is located.
R4.............................  Collateral County.  County where collateral  Maricopa..........  Text..........  No................  No.
                                                      property is located.
R5.............................  Collateral Zip      Zip code where           85255.............  Number........  No................  No.
                                  Code.               collateral property is
                                                      located.
R6.............................  Property in Flood   Indicator if the         Y.................  Y/N...........  No................  No.
                                  Zone.               collateral securing
                                                      the loan is in a
                                                      designated flood zone.
R7.............................  Draw Period.......  Remaining period of      120...............  Number........  No................  No.
                                                      time (in months) a
                                                      borrower can withdraw
                                                      funds from a credit
                                                      account.

[[Page 50457]]

 
R8.............................  Current Escrow      Amount currently in      2,585.............  Number........  No................  Yes.
                                  Balance.            escrow for payment to
                                                      third parties such as
                                                      insurance and real
                                                      estate taxes. In the
                                                      case of a negative
                                                      escrow balance, report
                                                      the data in this field
                                                      with a minus sign in
                                                      the first character
                                                      position (e.g., -350).
R9.............................  Number of Renewals  Indicate the number of   2.................  Number........  No................  Yes.
                                                      times the loan has
                                                      been renewed.
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                             Table 8--Commercial/Member Business Loan Electronic Data Fields
--------------------------------------------------------------------------------------------------------------------------------------------------------
             Number                     Field              Description              Example         Data format   Current NCUA field      ILDR field
--------------------------------------------------------------------------------------------------------------------------------------------------------
Includes all fields from Table 4: Consumer and Credit Card Loan Electronic Data Fields and the following:
--------------------------------------------------------------------------------------------------------------------------------------------------------
CL1............................  Current Loan Risk   Credit union internal    1.................  Text..........  No................  Yes.
                                  Grade Commercial/   risk rating at recent
                                  MBL.                review/evaluation of
                                                      commercial/MBL; Number
                                                      or letter grade
                                                      determined based on
                                                      the level of risk.
CL2............................  Date of Current     Date the most recent     03312017..........  Date..........  No................  Yes.
                                  Loan Risk Grade     internal risk rating
                                  Commercial/MBL.     at recent review/
                                                      evaluation of
                                                      commercial/MBLs.
CL3............................  Debt Service        Debt service coverage    1.05..............  Number........  No................  No.
                                  Coverage Ratio      ratio calculated for
                                  (DSCR).             the loan at
                                                      origination.
CL4............................  Personal guaranty   Identify the level of    Full..............  Text..........  No................  No.
                                  status.             personal guaranty of
                                                      the principals (e.g.,
                                                      full, limited, or
                                                      none).
CL5............................  Environmental       Identify the level of    Phase 1...........  Text..........  No................  No.
                                  Review Level at     environmental review
                                  origination.        at origination (e.g.,
                                                      borrower
                                                      questionnaire, record
                                                      search, phase 1, or
                                                      phase 2).
CL6............................  Environmental       Date of environmental    03312017..........  Date..........  No................  No.
                                  Review Date.        review at origination.
CL7............................  Last Periodic       Date of last periodic/   03312017..........  Date..........  No................  No.
                                  Review.             annual file review.
CL8............................  Property Type.....  Indicate the property    Condo.............  Text..........  No................  No.
                                                      type (e.g., Single,
                                                      Multi, Condominium,
                                                      etc.).
CL9............................  Collateral State..  Post office state code   AZ................  Text..........  No................  No.
                                                      where collateral
                                                      property is located.
CL10...........................  Collateral City...  City where collateral    Phoenix...........  Text..........  No................  No.
                                                      property is located.
CL11...........................  Collateral County.  County where collateral  Maricopa..........  Text..........  No................  No.
                                                      property is located.
CL12...........................  Collateral Zip      Zip code where           85255.............  Number........  No................  No.
                                  Code.               collateral property is
                                                      located.
CL13...........................  Property in Flood   Indicator if the         Y.................  Y/N...........  No................  No.
                                  Zone.               collateral securing
                                                      the loan is in a
                                                      designated flood zone.
CL14...........................  Draw Period.......  Remaining period of      120...............  Number........  No................  No.
                                                      time (in months) a
                                                      borrower can withdraw
                                                      funds from a credit
                                                      account.
CL15...........................  Current Escrow      Amount currently in      2,585.............  Number........  No................  Yes.
                                  Balance.            escrow for payment to
                                                      third parties such as
                                                      insurance and real
                                                      estate taxes. In the
                                                      case of a negative
                                                      escrow balance, report
                                                      the data in this field
                                                      with a minus sign in
                                                      the first character
                                                      position (e.g., -350).
CL16...........................  Policy Exception..  Indicator if the loan    Y.................  Y/N...........  No................  No.
                                                      is an exception to
                                                      policy.
CL17...........................  Number of Renewals  Indicate the number of   2.................  Number........  No................  Yes.
                                                      times the loan has
                                                      been renewed.
CL18...........................  Specific Reserve..  Amount of specific       50,000............  Number........  No................  Yes.
                                                      reserve for loan
                                                      losses on this note
                                                      which is not available
                                                      to offset losses on
                                                      any other loan.
--------------------------------------------------------------------------------------------------------------------------------------------------------


[[Page 50458]]


                                                      Table 9--Student Loan Electronic Data Fields
--------------------------------------------------------------------------------------------------------------------------------------------------------
             Number                     Name               Description              Example         Data format   Current NCUA field      ILDR field
--------------------------------------------------------------------------------------------------------------------------------------------------------
Includes all fields from Table 4: Consumer and Credit Card Loan Electronic Data Fields and the following:
--------------------------------------------------------------------------------------------------------------------------------------------------------
S1.............................  Time to Repayment.  For deferred loans:      65................  Number........  No................  No.
                                                      Amount of time, in
                                                      months, until
                                                      repayment period
                                                      begins.
S2.............................  Deferred Status...  Indicator if student     Y.................  Y/N...........  No................  No.
                                                      loan is in deferred
                                                      status.
--------------------------------------------------------------------------------------------------------------------------------------------------------


    By the National Credit Union Administration Board on October 19, 
2017.
Gerard Poliquin,
Secretary of the Board.
[FR Doc. 2017-23219 Filed 10-30-17; 8:45 am]
BILLING CODE 7535-01-P


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