Alameda Credit Union

Alameda Credit Union is headquartered in ALAMEDA and is the 240^th largest credit union in the state of California. It is also the 2,668^th largest credit union in the nation. It was established in 1937 and as of December of 2011, it had grown to 7 employees and 3,481 members. Alameda Credit Union has a 4-star health rating.

Alameda Credit Union Routing Number: 321171278

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Data for Q4 2011

Institution Statistics ALAMEDA NCUA # 60831 BankRate Report View Year Chartered 1937 Employees 7 Primary Regulator Assets and Liabilities Assets $36.06 million Loans $12.47 million Deposits $33.28 million Equity Capital $2.36 million Loan Loss Allowance $99,000 Unbacked Noncurrent Loans $338,000 Historic Data - December 2010 Assets $35.84 million Equity Capital $2.49 million Loan Loss Allowance $277,000 Unbacked Noncurrent Loans $568,000 Profit Margin - Quarterly Net Interest Margin 5.62% Return on Assets -0.54% Return on Equity -8.23% Interest Income $1.24 million Non-Interest Income $314,000

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 Alameda Credit Union had $338,000 in non-current loans and owned real-estate with $2.46 million in equity and loan loss allowances on hand to cover it. This gives Alameda Credit Union a Texas Ratio of 13.77% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Alameda Credit Union decreased slightly from 20.54% as of December 31, 2010 to 13.77% as of December 31, 2011, resulting in a positive change of 32.95%.This indicates that the balance sheet and financial strength for Alameda Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Alameda Credit Union has increased its total deposits by $277,000, resulting in 0.84% 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 Alameda Credit Union has shown is average. 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. Alameda Credit Union has $36.06 million in assets with $2.46 million in equity, resulting in a capitalization level of 6.81%, which is below average.

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