Alabama One Credit Union

Alabama One Credit Union is headquartered in TUSCALOOSA and is the 6^th largest credit union in the state of Alabama. It is also the 326^th largest credit union in the nation. It was established in 1951 and as of December of 2011, it had grown to 131 employees and 56,986 members. Alabama One Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics ALABAMA ONE NCUA # 68595 BankRate Report View Year Chartered 1951 Employees 131 Primary Regulator Assets and Liabilities Assets $598.15 million Loans $318.16 million Deposits $527.03 million Equity Capital $66.06 million Loan Loss Allowance $4.79 million Unbacked Noncurrent Loans $12.27 million Real Estate Owned $2.69 million Historic Data - December 2010 Assets $560.87 million Equity Capital $60.71 million Loan Loss Allowance $4.90 million Unbacked Noncurrent Loans $8.90 million Real Estate Owned $2.49 million Profit Margin - Quarterly Net Interest Margin 6.01% Return on Assets 0.5% Return on Equity 4.5% Interest Income $24.59 million Non-Interest Income $4.61 million

Institution Health Overall Score: 4 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 One Credit Union had $14.96 million in non-current loans and owned real-estate with $70.85 million in equity and loan loss allowances on hand to cover it. This gives Alabama One Credit Union a Texas Ratio of 21.11% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Alabama One Credit Union held steady from 17.35% as of December 31, 2010 to 21.11% as of December 31, 2011, resulting in a negative change of 21.66%. This indicates that the balance sheet and financial strength for Alabama One Credit Union has held steady in recent periods. Deposit Growth In the past year, Alabama One Credit Union has increased its total deposits by $30.48 million, resulting in 6.14% 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 One 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 One Credit Union has $598.14 million in assets with $70.85 million in equity, resulting in a capitalization level of 11.85%, which is above average.

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