AllCom Credit Union

36 Park Avenue
Worcester, MA 01609
1.888.754.9980
www.allcomcu.org

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AllCom Credit Union is headquartered in Worcester and is the 68^th largest credit union in the state of Massachusetts. It is also the 2,078^th largest credit union in the nation. It was established in 1922 and as of December of 2011, it had grown to 10 employees and 3,883 members. AllCom Credit Union's money market rates are 36% higher than the national average, and it boasts a 5-star health rating.

AllCom Credit Union Routing Number: 211387017

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See Rates for: Savings | Money Market | CD | IRA

AllCom Credit Union Savings Account Rates

Apy	Min	Max	Product
0.25%	$25	-	IRA Share Account
0.25%	$25	-	Roth IRA Share Account
0.25%	$25	-	Educational IRA Share Account
0.20%	$25	-	Share Savings
0.20%	$25	-	Holiday Club
0.20%	$25	-	Vacation Club

AllCom Credit Union Money Market Rates

Apy	Min	Max	Product
0.60%	$100k	-	Premium Money Market Account
0.25%	$2k	-	Money Market Account

AllCom Credit Union CD Rates

Apy	Min	Max	Product
2.30%	$50k	-	60 Month Jumbo Share Certificate
2.25%	$500	-	60 Month Share Certificate
1.90%	$50k	-	48 Month Jumbo Share Certificate
1.85%	$500	-	48 Month Share Certificate
1.75%	$50k	-	36 Month Jumbo Share Certificate
1.70%	$500	-	36 Month Share Certificate
1.20%	$50k	-	24 Month Jumbo Share Certificate
1.15%	$500	-	24 Month Share Certificate
0.75%	$500	-	12 Month Share Certificate
0.50%	$500	-	6 Month Share Certificate

AllCom Credit Union IRA Rates

Apy	Min	Max	Product
2.30%	$50k	-	60 Month Jumbo IRA
2.30%	$50k	-	60 Month Jumbo Roth IRA
2.30%	$50k	-	60 Month Jumbo Educational IRA
2.25%	$500	-	60 Month IRA
2.25%	$500	-	60 Month Roth IRA
2.25%	$500	-	60 Month Educational IRA
1.90%	$50k	-	48 Month Jumbo IRA
1.90%	$50k	-	48 Month Jumbo Roth IRA
1.90%	$50k	-	48 Month Jumbo Educational IRA
1.85%	$500	-	48 Month IRA
1.85%	$500	-	48 Month Roth IRA
1.85%	$500	-	48 Month Educational IRA
1.75%	$50k	-	36 Month Jumbo IRA
1.75%	$50k	-	36 Month Jumbo Roth IRA
1.75%	$50k	-	36 Month Jumbo Educational IRA
1.70%	$500	-	36 Month IRA
1.70%	$500	-	36 Month Roth IRA
1.70%	$500	-	36 Month Educational IRA
1.20%	$50k	-	24 Month Jumbo IRA
1.20%	$50k	-	24 Month Jumbo Roth IRA
1.20%	$50k	-	24 Month Jumbo Educational IRA
1.15%	$500	-	24 Month IRA
1.15%	$500	-	24 Month Roth IRA
1.15%	$500	-	24 Month Educational IRA
0.75%	$500	-	12 Month IRA
0.75%	$500	-	12 Month Roth IRA
0.75%	$500	-	12 Month Educational IRA
0.50%	$500	-	6 Month IRA
0.50%	$500	-	6 Month Roth IRA
0.50%	$500	-	6 Month Educational IRA

Rates updated: 5/20/2012

Data for Q4 2011

Institution Statistics

ALLCOM
NCUA #	67599
BankRate Report	View
Year Chartered	1922
Employees	10
Primary Regulator
Assets and Liabilities
Assets	$56.69 million
Loans	$24.36 million
Deposits	$48.22 million
Equity Capital	$8.00 million
Loan Loss Allowance	$193,000
Unbacked Noncurrent Loans	$62,000
Real Estate Owned	$128,000
Historic Data - December 2010
Assets	$56.09 million
Equity Capital	$7.76 million
Loan Loss Allowance	$172,000
Unbacked Noncurrent Loans	$153,000
Profit Margin - Quarterly
Net Interest Margin	5.04%
Return on Assets	0.2%
Return on Equity	1.39%
Interest Income	$1.93 million
Non-Interest Income	$551,000

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 AllCom Credit Union had $190,000 in non-current loans and owned real-estate with $8.2 million in equity and loan loss allowances on hand to cover it. This gives AllCom Credit Union a Texas Ratio of 2.32% 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 AllCom Credit Union held steady from 1.93% as of December 31, 2010 to 2.32% as of December 31, 2011, resulting in a negative change of 20.20%. This indicates that the balance sheet and financial strength for AllCom Credit Union has held steady in recent periods.
Deposit Growth
In the past year, AllCom Credit Union has increased its total deposits by $315,000, resulting in 0.66% 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 AllCom 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. AllCom Credit Union has $56.69 million in assets with $8.2 million in equity, resulting in a capitalization level of 14.46%, which is excellent.

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