Table 4: Rates of Return and Cost Operating Expenses/ Average Total Assets Please explain what you understand in the table about each bank about the percentages. The topic is on PEARLS and ratios. I will make sure to give a thumbs up. Year 2016 Year 2017Year 2018Year 2019Year 2020Credit Union Bank 11.75%1.82%1.90%1.71%1.57%Credit Union Bank 2 1.13%1.05%1.03%0.96%0.95%Prescribed goal less than 10%less than 10%less than 10%less than 10%less than 10%.