Allegiance Credit Union

Allegiance Credit Union is headquartered in Oklahoma City and is the 11^st largest credit union in the state of Oklahoma. It is also the 791^st largest credit union in the nation. It was established in 1963 and as of September of 2011, it had grown to 76 employees and 26,029 members. Allegiance Credit Union's savings rates are 2X the national average, and it has a 3-star health rating.

Allegiance Credit Union Routing Number: 303085230

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Data for Q3 2011

Institution Statistics ALLEGIANCE NCUA # 63250 BankRate Report View Year Established 1963 Employees 76 Primary Regulator Assets and Liabilities Assets $226.04 million Loans $142.62 million Deposits $202.70 million Equity Capital $17.61 million Loan Loss Allowance $983,000 Unbacked Noncurrent Loans $705,000 Real Estate Owned $5.23 million Historic Data - September 2010 Assets $225.30 million Equity Capital $16.56 million Loan Loss Allowance $1.16 million Unbacked Noncurrent Loans $1.49 million Real Estate Owned $4.29 million Profit Margin - Quarterly Net Interest Margin 4.24% Return on Assets 0.18% Return on Equity 2.28% Interest Income $7.06 million Non-Interest Income $2.28 million

Institution Health Overall Score: 3 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 September 30, 2011 Allegiance Credit Union had $5.93 million in non-current loans and owned real-estate with $18.6 million in equity and loan loss allowances on hand to cover it. This gives Allegiance Credit Union a Texas Ratio of 31.90% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Allegiance Credit Union held steady from 32.61% as of September 30, 2010 to 31.90% as of September 30, 2011, resulting in a positive change of 2.15%.This indicates that the balance sheet and financial strength for Allegiance Credit Union has held steady in recent periods. Deposit Growth In the past year, Allegiance Credit Union has increased its total deposits by $10.24 million, resulting in 5.32% 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 Allegiance 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. Allegiance Credit Union has $226.04 million in assets with $18.6 million in equity, resulting in a capitalization level of 8.23%, which is average.

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