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Overview / Commentary
800-232-8669
3315 Almaden Expressway Ste 55
San Jose, CA 95118

Alliance CU (CA) is headquartered in San Jose and is the 86th largest credit union in the state of California. It is also the 604th largest credit union in the nation. It was established in 1952 and as of December of 2013, it had grown to 90 employees and 37,353 members. Alliance CU (CA) has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Santa Clara, San Mateo or Alameda County in California; or New Hanover, Pender or Brunswick County in North Carolina. Also open to those who work in any of the 400+ companies they serve. - See Details

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
A+

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, 2013 Alliance CU (CA) had $1.58 million in non-current loans and owned real-estate with $28.25 million in equity and loan loss allowances on hand to cover it. This gives Alliance CU (CA) a Texas Ratio of 5.58% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A

The Texas Ratio for Alliance CU (CA) decreased dramatically from 9.00% as of December 31, 2012 to 5.58% as of December 31, 2013, resulting in a positive change of 38.05%.This indicates that the balance sheet and financial strength for Alliance CU (CA) has improved dramatically in recent periods.

Deposit Growth

GRADE:
D

In the past year, Alliance CU (CA) has decreased its total deposits by -$33.1 million, resulting in -9.36% 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 below average.

Capitalization

GRADE:
C

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 $349.64 million in assets with $28.25 million in equity, resulting in a capitalization level of 8.08%, which is average.

Institution Statistics

Overall
NCUA #68441
Year Chartered1952
Employees90
Primary Regulator
Assets and Liabilities
Assets$349.64 million
Loans$190.89 million
Deposits$320.66 million
Equity Capital$25.37 million
Loan Loss Allowance$2.88 million
Unbacked Noncurrent Loans$1.16 million
Real Estate Owned$419,000
Historic Data - December 2012
Assets$384.85 million
Equity Capital$28.32 million
Loan Loss Allowance$3.50 million
Unbacked Noncurrent Loans$1.16 million
Real Estate Owned$523,000
Profit Margin - Quarterly
Net Interest Margin4.84%
Return on Assets0.01%
Return on Equity0.1%
Interest Income$11.17 million
Rates

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Alliance CU (CA) Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.03%$100-Regular Share
0.03%$100-Holiday Club
0.03%$100-Dollar Dog
0.03%$100-IRA Share
0.03%$100-Vacation Club
0.03%$100-Roth IRA Share
0.03%$100-Coverdell ESA Share

Alliance CU (CA) Money Market Rates

DetailsAPYMINMAXPRODUCT
0.05%$25k-High Yield Money Market

Alliance CU (CA) Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.03%$15k-Dividend Checking

Alliance CU (CA) CD Rates

DetailsAPYMINMAXPRODUCT
0.35%$500-36 Month Share Certificate
0.35%$500-48 Month Share Certificate
0.35%$500-60 Month Share Certificate
0.20%$500-24 Month Share Certificate
0.10%$500-12 Month Share Certificate
0.03%$500-3 Month Share Certificate
0.03%$500-6 Month Share Certificate
0.03%$500-9 Month Share Certificate

Alliance CU (CA) IRA Rates

DetailsAPYMINMAXPRODUCT
0.35%$500-36 Month IRA (Traditional,Roth,CESA)
0.35%$500-48 Month IRA (Traditional,Roth,CESA)
0.35%$500-60 Month IRA (Traditional,Roth,CESA)
0.20%$500-24 Month IRA (Traditional,Roth,CESA)
0.10%$500-12 Month IRA (Traditional,Roth,CESA)
0.03%$500-3 Month IRA (Traditional,Roth,CESA)
0.03%$500-6 Month IRA (Traditional,Roth,CESA)
0.03%$500-9 Month IRA (Traditional,Roth,CESA)
Locations


Alliance CU (CA) Locations
Branch Office848A Blossom Hill RdSan Jose, CA 95123
Branch Office265 Curtner AveSan Jose, CA 95125
Branch Office3315 Almaden Expy Ste 55San Jose, CA 95118
Branch Office540 Lawrence Expy Ste 1Sunnyvale, CA 94085
Branch Office237 Racine DrWilmington, NC 28403
Branch Office2465 S 17th StWilmington, NC 28401
Branch Office39174 Argonaut WayFremont, CA 94538