Alliance Blackstone Valley Credit Union

Alliance Blackstone Valley Credit Union is headquartered in PAWTUCKET and is the 13^st largest credit union in the state of Rhode Island. It is also the 2,552^nd largest credit union in the nation. It was established in 1948 and as of December of 2011, it had grown to 9 employees and 4,124 members. Alliance Blackstone Valley Credit Union's savings rates are 44% higher than the national average, but it has a 2-star health rating.

Alliance Blackstone Valley Credit Union Checking Account Rates

Alliance Blackstone Valley Credit Union Savings Account Rates

Alliance Blackstone Valley Credit Union CD Rates

Data for Q4 2011

Institution Statistics ALLIANCE BLACKSTONE VALLEY NCUA # 24645 BankRate Report View Year Chartered 1948 Employees 9 Primary Regulator Assets and Liabilities Assets $39.41 million Loans $26.64 million Deposits $37.45 million Equity Capital $1.73 million Loan Loss Allowance $2.09 million Unbacked Noncurrent Loans $3.16 million Historic Data - December 2010 Assets $41.52 million Equity Capital $5.09 million Loan Loss Allowance $279,000 Unbacked Noncurrent Loans $806,000 Profit Margin - Quarterly Net Interest Margin 6.46% Return on Assets -4.08% Return on Equity -93.16% Interest Income $2.31 million Non-Interest Income $334,000

Institution Health Overall Score: 2 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 Alliance Blackstone Valley Credit Union had $3.16 million in non-current loans and owned real-estate with $3.82 million in equity and loan loss allowances on hand to cover it. This gives Alliance Blackstone Valley Credit Union a Texas Ratio of 82.71% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Alliance Blackstone Valley Credit Union increased slightly from 15.00% as of December 31, 2010 to 82.71% as of December 31, 2011, resulting in a negative change of 451.26%. This indicates that the balance sheet and financial strength for Alliance Blackstone Valley Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Alliance Blackstone Valley Credit Union has increased its total deposits by $1.16 million, resulting in 3.2% 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 Alliance Blackstone Valley Credit Union has shown is above 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. Alliance Blackstone Valley Credit Union has $39.41 million in assets with $3.82 million in equity, resulting in a capitalization level of 9.68%, which is average.

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