Allwealth Credit Union

309 Court Street
Hamilton, OH 45011
(513) 868-5881
www.allwealth.org

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Allwealth Credit Union is headquartered in Hamilton and is the 145^th largest credit union in the state of Ohio. It is also the 3,253^rd largest credit union in the nation. It was established in 1948 and as of December of 2011, it had grown to 14 employees and 3,290 members. Allwealth Credit Union has a 3-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Allwealth Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.07%	$200	-	Share Draft Plus

Allwealth Credit Union Savings Account Rates

Apy	Min	Max	Product
0.22%	$50k	-	Regular Shares
0.22%	$50k	-	Sub Shares
0.22%	$50k	-	Kid's Club
0.22%	$50k	-	Christmas Club
0.22%	$50k	-	Vacation Club
0.20%	-	-	IRA
0.20%	-	-	Roth IRA
0.20%	-	-	Coverdell ESA

Allwealth Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.14%	$2,500	-	Money Market Account

Allwealth Credit Union CD Rates

Apy	Min	Max	Product
1.20%	$500	-	60 Month CD
0.90%	$500	-	48-59 Month CD
0.70%	$500	-	36-47 Month CD
0.55%	$500	-	30-35 Month CD
0.50%	$500	-	24-29 Month CD
0.40%	$500	-	18-23 Month CD
0.25%	$500	-	12-17 Month CD
0.20%	$500	-	6-11 Month CD
0.12%	$500	-	3-5 Month CD

Allwealth Credit Union IRA Rates

Apy	Min	Max	Product
1.20%	$500	-	60 Month IRA
1.20%	$500	-	60 Month Roth IRA
1.20%	$500	-	60 Month CESA
0.90%	$500	-	48-59 Month IRA
0.90%	$500	-	48-59 Month Roth IRA
0.90%	$500	-	48-59 Month CESA
0.70%	$500	-	36-47 Month IRA
0.70%	$500	-	36-47 Month Roth IRA
0.70%	$500	-	36-47 Month CESA
0.55%	$500	-	30-35 Month IRA
0.55%	$500	-	30-35 Month Roth IRA
0.55%	$500	-	30-35 Month CESA
0.50%	$500	-	24-29 Month IRA
0.50%	$500	-	24-29 Month Roth IRA
0.50%	$500	-	24-29 Month CESA
0.40%	$500	-	18-23 Month IRA
0.40%	$500	-	18-23 Month Roth IRA
0.40%	$500	-	18-23 Month CESA
0.25%	$500	-	12-17 Month IRA
0.25%	$500	-	12-17 Month Roth IRA
0.25%	$500	-	12-17 Month CESA
0.20%	$500	-	6-11 Month IRA
0.20%	$500	-	6-11 Month Roth IRA
0.20%	$500	-	6-11 Month CESA
0.12%	$500	-	3-5 Month IRA
0.12%	$500	-	3-5 Month Roth IRA
0.12%	$500	-	3-5 Month CESA

Rates updated: 5/20/2012

Data for Q4 2011

Institution Statistics

ALLWEALTH
NCUA #	5845
BankRate Report	View
Year Chartered	1948
Employees	14
Primary Regulator
Assets and Liabilities
Assets	$24.30 million
Loans	$16.28 million
Deposits	$22.56 million
Equity Capital	$1.64 million
Loan Loss Allowance	$42,000
Unbacked Noncurrent Loans	$369,000
Real Estate Owned	$57,000
Historic Data - December 2010
Assets	$19.96 million
Equity Capital	$2.11 million
Loan Loss Allowance	$33,000
Unbacked Noncurrent Loans	$346,000
Profit Margin - Quarterly
Net Interest Margin	4.2%
Return on Assets	-1.91%
Return on Equity	-28.24%
Interest Income	$892,000
Non-Interest Income	$378,000

Institution Health

Overall Score:

3 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 Allwealth Credit Union had $426,000 in non-current loans and owned real-estate with $1.68 million in equity and loan loss allowances on hand to cover it. This gives Allwealth Credit Union a Texas Ratio of 25.28% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Allwealth Credit Union increased slightly from 16.16% as of December 31, 2010 to 25.28% as of December 31, 2011, resulting in a negative change of 56.44%. This indicates that the balance sheet and financial strength for Allwealth Credit Union has declined slightly in recent periods.
Deposit Growth
In the past year, Allwealth Credit Union has increased its total deposits by $4.81 million, resulting in 27.13% 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 Allwealth 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. Allwealth Credit Union has $24.3 million in assets with $1.68 million in equity, resulting in a capitalization level of 6.93%, which is below average.

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