According to CUA, the structure of assets of CUA members and partners includes following assets: liquid assets, including short-term liquid investments (1.7%), assets, bearing income, including loan portfolio and long-term investments (90.7%), fixed resources (net) (2.5%) and other assets (5.1%). Main part of assets, bearing income, is formed due to loans, share of which in assets reached 90.4%.

Total volume of loan portfolio of CUA members and partners grew by 45.3% year-on-year in the third quarter of 2010 and reached 111.9 billion soums. So, the growth of loan portfolio is higher than the growth of assets and the share of loan portfolio in total assets’ structure is increasing as well.

Major part of loans (77.1%) was directed to finance commercial projects of the members, including financing enterprises of industry sector (4.9%), agriculture (18%), trade and catering (22.2%). Loans, issued to satisfy personal needs, made up 22.9%, including purchase of real estate – 1.6%.

At the same time largest credit unions in their loan portfolio directed large volume of loans to industry sector. Large volume of loans of medium credit unions was directed to trade and service sector, as well as agriculture sector. Small credit union mainly credited consumer needs of their members.

Analysis of credit portfolio on types of debtors shows that main share of loans were issued to individuals – 96.1% (95.9% - third quarter of 2009), of which 67.5% fell to share of male (67.1% - third quarter of 2009) and 28.6% - to female (28.8% - 3Q 2009). Legal entities, mainly private enterprise, held 3.9% (4.1% - in 3Q 2009) in loan portfolio of CUA members.

Analysis of loan portfolio’s structure showed that main share of loans fell to those issued from 180 to 365 days (6 to 12 months) – 46.7%. At the same time, large share of loans are fell to those, issued for over a year – 26.3%. Share of loans for 6 months held 27% in loan portfolio.

Loans with the size of 5 million soums make up 37.74% of total volume of loans of CUA credit unions in the reporting period.

Analysis of structure of loan portfolio showed that loan portfolio is main income bearing assets, which accounted 90.4% of total assets at the end of third quarter of 2010.

At the end of third quarter of 2010, aggregate capital of CUA credit unions rose by 57.5% year-on-year to 30.2 billion soums as of 1 October 2010.

At the same time total capital of credit unions was formed due to charter capital (36.17%) and institutional (reserve) capital (63.83%).

In January-September, capital of CUA members and partners increased by 11 billion soums (or 57.5%), while institutional capital grew by 6.7 billion soums and charter capital – 4.3 billion soums.

Aggregate capital adequacy on CUA members and partners made up 25.2% as of 1 October 2010, or grew by 2.7%.

CUA members and partners carried out active work on attraction of free funds of population to deposits. Analysis of liabilities structure showed that the main part makes up obligations of credit unions.

As of 1 October 2010, share of liabilities decreased by 2.7% year-on-year and made up 74.71%. At the same time significant part fell to share of attracted deposits, which made up 92.9% of all liabilities. Aggregate liabilities of CUA members and partners rose by 35.9% year-on-year in the reporting period.

Deposits of shareholders at deposit accounts rose by 34.8% year-on-year to 83 billion soums in nine months of 2010. Share of deposits made up 69.4% from total assets of credit unions. So, the deposits of CUA members remain are main source of credit unions’ resources.

At the same time analysis of structure of deposits on type of deposits shows that 93.8% of total deposits are resources of individuals, including 50.8% - male and 43% - female. Legal entities, mainly represented by private enterprises, placed 6.2% of total deposits. Other items have low share in liabilities – external loans – 0.5% and short-term liabilities – 5.1%. During third quarter of 2010, total number of credit unions in Uzbekistan grew to 114. About 28 of them operate in Tashkent city, 23 – Ferghana region, 17 – Andijan region, 8 – Bukhara region, 9 – Tashkent region, 4 – Samarkand region, 4 – Namangan region, 4 – Surkhandarya region, 5 – Khorezm region, 3 – Kashkadarya region, 3 – Jizzakh region and 2 Syrdarya region.

As of 1 October 2010, CUA united 33 credit unions, of which 14 are members and 19 are partners. As of 1 October 2010, the size of Stabilize Fund Alians Garant, which guarantees deposits of credit unions members, rose by 5.7% year-on-year. Currently, the fund guarantees deposits of 8,307 members of credit unions for 6.16 billion soums.

Overall, CUA members and partners united over 107,000 members. Number of members of credit unions, members and partners of CUA, grew by 37.8% year-on-year in the reporting period.