Alabama Credit Union

Alabama Credit Union is headquartered in Tuscaloosa and is the 9^th largest credit union in the state of Alabama. It is also the 410^st largest credit union in the nation. It was established in 1956 and as of December of 2011, it had grown to 132 employees and 46,346 members. Alabama Credit Union's money market rates are 27% higher than the national average, and it boasts a 5-star health rating.

Alabama Credit Union Savings Account Rates

Alabama Credit Union Money Market Rates

Alabama Credit Union CD Rates

Alabama Credit Union IRA Rates

Data for Q4 2011

Institution Statistics ALABAMA NCUA # 60823 BankRate Report View Year Chartered 1956 Employees 132 Primary Regulator Assets and Liabilities Assets $479.31 million Loans $198.42 million Deposits $402.90 million Equity Capital $48.49 million Loan Loss Allowance $750,000 Unbacked Noncurrent Loans $806,000 Historic Data - December 2010 Assets $387.53 million Equity Capital $39.97 million Loan Loss Allowance $750,000 Unbacked Noncurrent Loans $551,000 Real Estate Owned $334,000 Profit Margin - Quarterly Net Interest Margin 5.56% Return on Assets 1.29% Return on Equity 12.73% Interest Income $17.38 million Non-Interest Income $7.37 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Alabama Credit Union had $806,000 in non-current loans and owned real-estate with $49.24 million in equity and loan loss allowances on hand to cover it. This gives Alabama Credit Union a Texas Ratio of 1.64% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Alabama Credit Union decreased slightly from 2.17% as of December 31, 2010 to 1.64% as of December 31, 2011, resulting in a positive change of 24.68%.This indicates that the balance sheet and financial strength for Alabama Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Alabama Credit Union has increased its total deposits by $57.37 million, resulting in 16.6% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Alabama Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Alabama Credit Union has $479.31 million in assets with $49.24 million in equity, resulting in a capitalization level of 10.27%, which is above average.

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