Allied Trades Credit Union

Allied Trades Credit Union is headquartered in Stockton and is the 276^th largest credit union in the state of California. It is also the 3,455^th largest credit union in the nation. It was established in 1953 and as of December of 2012, it had grown to 5 employees and 2,560 members. Allied Trades Credit Union has a 5-star health rating.

Allied Trades Credit Union Routing Number: 321076098

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Data for Q4 2012

Institution Statistics ALLIED TRADES NCUA # 60356 BankRate Report View Year Chartered 1953 Employees 5 Primary Regulator Assets and Liabilities Assets $21.45 million Loans $5.31 million Deposits $18.31 million Equity Capital $2.96 million Loan Loss Allowance $71,000 Unbacked Noncurrent Loans $12,000 Historic Data - December 2011 Assets $21.17 million Equity Capital $2.99 million Loan Loss Allowance $108,000 Unbacked Noncurrent Loans $26,000 Profit Margin - Quarterly Net Interest Margin 8.39% Return on Assets -0.18% Return on Equity -1.32% Interest Income $535,000 Non-Interest Income $237,000

Institution Health Overall Score: 5 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 Allied Trades Credit Union had $12,000 in non-current loans and owned real-estate with $3.03 million in equity and loan loss allowances on hand to cover it. This gives Allied Trades Credit Union a Texas Ratio of 0.40% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Allied Trades Credit Union decreased significantly from 0.84% as of December 31, 2011 to 0.40% as of December 31, 2012, resulting in a positive change of 52.70%.This indicates that the balance sheet and financial strength for Allied Trades Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Allied Trades Credit Union has increased its total deposits by $497,000, resulting in 2.79% 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 Trades Credit Union has shown is above 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 Trades Credit Union has $21.45 million in assets with $3.03 million in equity, resulting in a capitalization level of 14.11%, which is excellent.

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