Alloy Credit Union

Alloy Credit Union is headquartered in Alloy and is the 34^th largest credit union in the state of West Virginia. It is also the 3,603^rd largest credit union in the nation. It was established in 1970 and as of December of 2011, it had grown to 5 employees and 3,156 members. Alloy Credit Union's savings rates are 3X the national average, and it boasts a 5-star health rating.

Alloy Credit Union Savings Account Rates

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Alloy Credit Union IRA Rates

Data for Q4 2011

Institution Statistics ALLOY NCUA # 20324 BankRate Report View Year Chartered 1970 Employees 5 Primary Regulator Assets and Liabilities Assets $19.36 million Loans $11.02 million Deposits $16.32 million Equity Capital $3.00 million Loan Loss Allowance $149,000 Unbacked Noncurrent Loans $345,000 Historic Data - December 2010 Assets $17.98 million Equity Capital $2.62 million Loan Loss Allowance $132,000 Unbacked Noncurrent Loans $293,000 Profit Margin - Quarterly Net Interest Margin 9.16% Return on Assets 1.95% Return on Equity 12.6% Interest Income $1.16 million Non-Interest Income $183,000

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, 2011 Alloy Credit Union had $345,000 in non-current loans and owned real-estate with $3.15 million in equity and loan loss allowances on hand to cover it. This gives Alloy Credit Union a Texas Ratio of 10.96% 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 Alloy Credit Union held steady from 10.64% as of December 31, 2010 to 10.96% as of December 31, 2011, resulting in a negative change of 3.01%. This indicates that the balance sheet and financial strength for Alloy Credit Union has held steady in recent periods. Deposit Growth In the past year, Alloy Credit Union has increased its total deposits by $1.01 million, resulting in 6.62% 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 Alloy 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. Alloy Credit Union has $19.36 million in assets with $3.15 million in equity, resulting in a capitalization level of 16.26%, which is excellent.

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