Army Aviation Center Federal Credit Union

Army Aviation Center Federal Credit Union is headquartered in Daleville and is the 4^th largest credit union in the state of Alabama. It is also the 174^th largest credit union in the nation. It was established in 1966 and as of September of 2011, it had grown to 297 employees and 105,414 members. Army Aviation Center Federal Credit Union's money market rates are 82% higher than the national average, and it boasts a 5-star health rating.

Army Aviation Center Federal Credit Union Savings Account Rates

Army Aviation Center Federal Credit Union Money Market Rates

Army Aviation Center Federal Credit Union CD Rates

Army Aviation Center Federal Credit Union IRA Rates

Data for Q3 2011

Institution Statistics ARMY AVIATION CENTER NCUA # 17642 BankRate Report View Year Established 1966 Employees 297 Primary Regulator Assets and Liabilities Assets $1.02 billion Loans $317.41 million Deposits $878.21 million Equity Capital $122.85 million Loan Loss Allowance $1.91 million Unbacked Noncurrent Loans $1.71 million Historic Data - September 2010 Assets $930.24 million Equity Capital $111.71 million Loan Loss Allowance $2.33 million Unbacked Noncurrent Loans $1.49 million Profit Margin - Quarterly Net Interest Margin 3.95% Return on Assets 0.91% Return on Equity 7.58% Interest Income $25.34 million Non-Interest Income $11.17 million

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 September 30, 2011 Army Aviation Center Federal Credit Union had $1.71 million in non-current loans and owned real-estate with $124.76 million in equity and loan loss allowances on hand to cover it. This gives Army Aviation Center Federal Credit Union a Texas Ratio of 1.37% 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 Army Aviation Center Federal Credit Union held steady from 1.31% as of September 30, 2010 to 1.37% as of September 30, 2011, resulting in a negative change of 4.66%. This indicates that the balance sheet and financial strength for Army Aviation Center Federal Credit Union has held steady in recent periods. Deposit Growth In the past year, Army Aviation Center Federal Credit Union has increased its total deposits by $77.9 million, resulting in 9.73% 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 Army Aviation Center Federal 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. Army Aviation Center Federal Credit Union has $1.02 billion in assets with $124.76 million in equity, resulting in a capitalization level of 12.26%, which is excellent.

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