Allied Healthcare Credit Union

Allied Healthcare Credit Union is headquartered in Newport Beach and is the 186^th largest credit union in the state of California. It is also the 1,897^th largest credit union in the nation. It was established in 1956 and as of December of 2011, it had grown to 16 employees and 7,401 members. Allied Healthcare Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics ALLIED HEALTHCARE NCUA # 11005 BankRate Report View Year Chartered 1956 Employees 16 Primary Regulator Assets and Liabilities Assets $65.42 million Loans $43.49 million Deposits $60.85 million Equity Capital $4.39 million Loan Loss Allowance $1.30 million Unbacked Noncurrent Loans $640,000 Historic Data - December 2010 Assets $66.36 million Equity Capital $3.92 million Loan Loss Allowance $1.48 million Unbacked Noncurrent Loans $650,000 Real Estate Owned $432,000 Profit Margin - Quarterly Net Interest Margin 6.5% Return on Assets 0.7% Return on Equity 10.5% Interest Income $3.10 million Non-Interest Income $538,000

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 Allied Healthcare Credit Union had $640,000 in non-current loans and owned real-estate with $5.69 million in equity and loan loss allowances on hand to cover it. This gives Allied Healthcare Credit Union a Texas Ratio of 11.25% 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 Allied Healthcare Credit Union decreased significantly from 20.03% as of December 31, 2010 to 11.25% as of December 31, 2011, resulting in a positive change of 43.85%.This indicates that the balance sheet and financial strength for Allied Healthcare Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Allied Healthcare Credit Union has decreased its total deposits by -$1.36 million, resulting in -2.18% 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 Allied Healthcare Credit Union has shown is below 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. Allied Healthcare Credit Union has $65.42 million in assets with $5.69 million in equity, resulting in a capitalization level of 8.70%, which is average.

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