Alliance CU (CA)

3315 Almaden Expressway Ste 55
San Jose, CA 95118
800.232.8669
www.alliancecreditunion.org

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Alliance CU (CA) is headquartered in San Jose and is the 78^th largest credit union in the state of California. It is also the 534^th largest credit union in the nation. It was established in 1952 and as of December of 2012, it had grown to 106 employees and 40,696 members. Alliance CU (CA) has a 4-star health rating.

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

Alliance CU (CA) Checking Account Rates

	Apy	Min	Max	Product
	0.03%	$15k	-	Dividend Checking

Alliance CU (CA) Savings Account Rates

Apy	Min	Max	Product
0.05%	$25k	-	Regular Share
0.05%	$25k	-	Holiday Club
0.05%	$25k	-	Dollar Dog
0.05%	$25k	-	IRA Share
0.05%	$25k	-	Vacation Club
0.05%	$25k	-	Roth IRA Share
0.05%	$25k	-	Coverdell ESA Share

Alliance CU (CA) Money Market Rates

	Apy	Min	Max	Product
	0.10%	$100k	-	High Yield Money Market

Alliance CU (CA) CD Rates

Apy	Min	Max	Product
0.50%	$500	-	36 Month Share Certificate
0.50%	$500	-	48 Month Share Certificate
0.50%	$500	-	60 Month Share Certificate
0.20%	$500	-	24 Month Share Certificate
0.10%	$500	-	12 Month Share Certificate
0.00%	$500	-	3 Month Share Certificate
0.00%	$500	-	6 Month Share Certificate
0.00%	$500	-	9 Month Share Certificate

Alliance CU (CA) IRA Rates

Apy	Min	Max	Product
0.50%	$500	-	36 Month IRA
0.50%	$500	-	48 Month IRA
0.50%	$500	-	60 Month IRA
0.50%	$500	-	36 Month Roth IRA
0.50%	$500	-	48 Month Roth IRA
0.50%	$500	-	60 Month Roth IRA
0.50%	$500	-	36 Month CESA
0.50%	$500	-	48 Month CESA
0.50%	$500	-	60 Month CESA
0.25%	$500	-	24 Month IRA
0.25%	$500	-	24 Month Roth IRA
0.25%	$500	-	24 Month CESA
0.10%	$500	-	9 Month IRA
0.10%	$500	-	12 Month IRA
0.10%	$500	-	9 Month Roth IRA
0.10%	$500	-	12 Month Roth IRA
0.10%	$500	-	9 Month CESA
0.10%	$500	-	12 Month CESA
0.05%	$500	-	3 Month IRA
0.05%	$500	-	6 Month IRA
0.05%	$500	-	3 Month Roth IRA
0.05%	$500	-	6 Month Roth IRA
0.05%	$500	-	3 Month CESA
0.05%	$500	-	6 Month CESA

Rates updated: 5/24/2013

Data for Q4 2012

Institution Statistics

ALLIANCE
NCUA #	68441
BankRate Report	View
Year Chartered	1952
Employees	106
Primary Regulator
Assets and Liabilities
Assets	$384.85 million
Loans	$215.41 million
Deposits	$353.76 million
Equity Capital	$28.32 million
Loan Loss Allowance	$3.50 million
Unbacked Noncurrent Loans	$2.34 million
Real Estate Owned	$523,000
Historic Data - December 2011
Assets	$345.72 million
Equity Capital	$26.57 million
Loan Loss Allowance	$5.37 million
Unbacked Noncurrent Loans	$6.15 million
Real Estate Owned	$130,000
Profit Margin - Quarterly
Net Interest Margin	5.2%
Return on Assets	0.27%
Return on Equity	3.63%
Interest Income	$13.34 million
Non-Interest Income	$6.94 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 Alliance CU (CA) had $2.86 million in non-current loans and owned real-estate with $31.81 million in equity and loan loss allowances on hand to cover it. This gives Alliance CU (CA) a Texas Ratio of 9.00% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Alliance CU (CA) decreased significantly from 19.65% as of December 31, 2011 to 9.00% as of December 31, 2012, resulting in a positive change of 54.19%.This indicates that the balance sheet and financial strength for Alliance CU (CA) has improved significantly in recent periods.
Deposit Growth
In the past year, Alliance CU (CA) has increased its total deposits by $42.63 million, resulting in 13.7% 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 CU (CA) 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 CU (CA) has $384.85 million in assets with $31.81 million in equity, resulting in a capitalization level of 8.27%, which is average.

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