Alliance Niagara Credit Union

Alliance Niagara Credit Union is headquartered in Sanborn and is the 213^st largest credit union in the state of New York. It is also the 4,138^th largest credit union in the nation. It was established in 1967 and as of December of 2011, it had grown to 2 employees and 1,765 members. Alliance Niagara Credit Union's savings rates are 92% higher than the national average, and it has a 4-star health rating.

Alliance Niagara Credit Union Savings Account Rates

Alliance Niagara Credit Union CD Rates

Alliance Niagara Credit Union IRA Rates

Data for Q4 2011

Institution Statistics ALLIANCE NIAGARA NCUA # 18409 BankRate Report View Year Chartered 1967 Employees 2 Primary Regulator Assets and Liabilities Assets $13.65 million Loans $5.97 million Deposits $12.57 million Equity Capital $1.08 million Loan Loss Allowance $10,000 Unbacked Noncurrent Loans $110,000 Historic Data - December 2010 Assets $12.10 million Equity Capital $1.05 million Loan Loss Allowance $10,000 Unbacked Noncurrent Loans $145,000 Profit Margin - Quarterly Net Interest Margin 5.78% Return on Assets 0.24% Return on Equity 3.05% Interest Income $470,000 Non-Interest Income $35,000

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, 2011 Alliance Niagara Credit Union had $110,000 in non-current loans and owned real-estate with $1.09 million in equity and loan loss allowances on hand to cover it. This gives Alliance Niagara Credit Union a Texas Ratio of 10.08% 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 Niagara Credit Union decreased slightly from 13.72% as of December 31, 2010 to 10.08% as of December 31, 2011, resulting in a positive change of 26.50%.This indicates that the balance sheet and financial strength for Alliance Niagara Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Alliance Niagara Credit Union has increased its total deposits by $1.52 million, resulting in 13.75% 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 Niagara 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 Niagara Credit Union has $13.65 million in assets with $1.09 million in equity, resulting in a capitalization level of 7.99%, which is below average.

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