Allegiance Credit Union

4235 N Meridian
Oklahoma City, OK 73112
405-789-7900
www.allegiancecu.org

NCUA

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Allegiance Credit Union is headquartered in Oklahoma City and is the 12^st largest credit union in the state of Oklahoma. It is also the 799^th largest credit union in the nation. It was established in 1963 and as of December of 2012, it had grown to 79 employees and 27,347 members. Allegiance Credit Union's savings rates are 44% higher than the national average, and it has a 4-star health rating.

Allegiance Credit Union Routing Number: 303085230

Allegiance Credit Union In OK Cuts Reward Checking Cap From $35K To $20K (Forum) - 10/25/2010

I'm afraid the trend of lower balance caps for reward checking accounts continues. Allegiance Credit Union which serves the Oklahoma City Metro area recently lowered the balance which qualifies for the top yield from $35K to $20K. At least the rate rema

High-Yield Reward Checking Account at Allegiance Credit Union in Oklahoma - 2/9/2009

Allegiance Credit Union has a reward checking account that pays 5.01% APY on balances up to $35,000 (1.1% for above) and refunds ATM fees nationwide up to $25 per month if the following monthly requirements are met:12 Visa check card purchasesone direct...

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

Allegiance Credit Union Checking Account Rates

Apy	Min	Max	Product
2.00%	-	$20k	Allegiance Rewards Checking
0.10%	-	-	Classic Checking
0.03%	-	-	Fresh Start Checking

Allegiance Credit Union Savings Account Rates

Apy	Min	Max	Product
0.75%	$500	$10k	IRA
0.40%	$100k	-	Emergency Savings
0.10%	$25	-	Savings
0.10%	-	-	Christmas Club

Allegiance Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.40%	$100k	-	Money Market

Allegiance Credit Union CD Rates

Apy	Min	Max	Product
1.25%	$100k	-	36 Month Share Certificate
1.25%	$10k	-	48 Month Share Certificate
0.90%	$100k	-	24 Month Share Certificate
0.62%	$10k	-	18 Month Share Certificate
0.52%	$10k	-	12 Month Share Certificate
0.40%	$10k	-	6 Month Share Certificate

Allegiance Credit Union IRA Rates

Apy	Min	Max	Product
1.25%	$100k	-	36 Month IRA Share Certificate
1.25%	$10k	-	48 Month IRA Share Certificate
1.25%	$100k	-	36 Month CESA Share Certificate
1.25%	$10k	-	48 Month CESA Share Certificate
1.25%	$100k	-	36 Month Roth IRA Share Certificate
1.25%	$10k	-	48 Month Roth IRA Share Certificate
0.90%	$100k	-	24 Month IRA Share Certificate
0.90%	$100k	-	24 Month CESA Share Certificate
0.90%	$100k	-	24 Month Roth IRA Share Certificate
0.62%	$10k	-	18 Month IRA Share Certificate
0.62%	$10k	-	18 Month CESA Share Certificate
0.62%	$10k	-	18 Month Roth IRA Share Certificate
0.52%	$10k	-	12 Month IRA Share Certificate
0.52%	$10k	-	12 Month CESA Share Certificate
0.52%	$10k	-	12 Month Roth IRA Share Certificate

Rates updated: 5/22/2013

Data for Q4 2012

Institution Statistics

ALLEGIANCE
NCUA #	63250
BankRate Report	View
Year Chartered	1963
Employees	79
Primary Regulator
Assets and Liabilities
Assets	$235.68 million
Loans	$179.61 million
Deposits	$213.42 million
Equity Capital	$17.27 million
Loan Loss Allowance	$994,000
Unbacked Noncurrent Loans	$1.84 million
Real Estate Owned	$2.18 million
Historic Data - December 2011
Assets	$223.74 million
Equity Capital	$16.52 million
Loan Loss Allowance	$1.14 million
Unbacked Noncurrent Loans	$549,000
Real Estate Owned	$4.50 million
Profit Margin - Quarterly
Net Interest Margin	4.47%
Return on Assets	0.41%
Return on Equity	5.59%
Interest Income	$8.85 million
Non-Interest Income	$3.79 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, 2012 Allegiance Credit Union had $4.02 million in non-current loans and owned real-estate with $18.27 million in equity and loan loss allowances on hand to cover it. This gives Allegiance Credit Union a Texas Ratio of 22.01% 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 Allegiance Credit Union decreased slightly from 28.59% as of December 31, 2011 to 22.01% as of December 31, 2012, resulting in a positive change of 23.00%.This indicates that the balance sheet and financial strength for Allegiance Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Allegiance Credit Union has increased its total deposits by $12.04 million, resulting in 5.98% 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 $235.68 million in assets with $18.27 million in equity, resulting in a capitalization level of 7.75%, which is below average.