Alliance Community Credit Union

Alliance Community Credit Union is headquartered in OGDEN and is the 12^st largest credit union in the state of Utah. It is also the 912^st largest credit union in the nation. It was established in 1930 and as of December of 2011, it had grown to 66 employees and 26,266 members. Alliance Community Credit Union has a 3-star health rating.

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Data for Q4 2011

Institution Statistics WASATCH PEAKS NCUA # 24780 BankRate Report View Year Chartered 1930 Employees 66 Primary Regulator Assets and Liabilities Assets $183.97 million Loans $125.63 million Deposits $167.23 million Equity Capital $15.19 million Loan Loss Allowance $880,000 Unbacked Noncurrent Loans $1.73 million Real Estate Owned $1.09 million Historic Data - December 2010 Assets $92.65 million Equity Capital $7.95 million Loan Loss Allowance $1.18 million Unbacked Noncurrent Loans $807,000 Real Estate Owned $41,000 Profit Margin - Quarterly Net Interest Margin 6.46% Return on Assets 1.55% Return on Equity 18.82% Interest Income $9.52 million Non-Interest Income $2.54 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 December 31, 2011 Alliance Community Credit Union had $2.82 million in non-current loans and owned real-estate with $16.07 million in equity and loan loss allowances on hand to cover it. This gives Alliance Community Credit Union a Texas Ratio of 17.57% 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 Alliance Community Credit Union increased slightly from 9.29% as of December 31, 2010 to 17.57% as of December 31, 2011, resulting in a negative change of 89.09%. This indicates that the balance sheet and financial strength for Alliance Community Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Alliance Community Credit Union has increased its total deposits by $83.49 million, resulting in 99.7% 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 Community 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. Alliance Community Credit Union has $183.97 million in assets with $16.07 million in equity, resulting in a capitalization level of 8.74%, which is average.

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