Alive Credit Union

Alive Credit Union is headquartered in Jacksonville and is the 50^th largest credit union in the state of Florida. It is also the 1,252^nd largest credit union in the nation. It was established in 1991 and as of December of 2012, it had grown to 43 employees and 17,233 members. Alive Credit Union's savings rates are 63% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2012

Institution Statistics ALIVE NCUA # 67316 BankRate Report View Year Chartered 1991 Employees 43 Primary Regulator Assets and Liabilities Assets $126.10 million Loans $56.54 million Deposits $105.81 million Equity Capital $18.91 million Loan Loss Allowance $277,000 Unbacked Noncurrent Loans $363,000 Historic Data - December 2011 Assets $107.26 million Equity Capital $18.75 million Loan Loss Allowance $293,000 Unbacked Noncurrent Loans $459,000 Profit Margin - Quarterly Net Interest Margin 4.57% Return on Assets 0.11% Return on Equity 0.74% Interest Income $3.25 million Non-Interest Income $1.87 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, 2012 Alive Credit Union had $363,000 in non-current loans and owned real-estate with $19.19 million in equity and loan loss allowances on hand to cover it. This gives Alive Credit Union a Texas Ratio of 1.89% 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 Alive Credit Union decreased slightly from 2.41% as of December 31, 2011 to 1.89% as of December 31, 2012, resulting in a positive change of 21.52%.This indicates that the balance sheet and financial strength for Alive Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Alive Credit Union has increased its total deposits by $18.98 million, resulting in 21.86% 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 Alive 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. Alive Credit Union has $126.1 million in assets with $19.19 million in equity, resulting in a capitalization level of 15.22%, which is excellent.

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