Greater Alliance Credit Union

Greater Alliance Credit Union is headquartered in Paramus and is the 17^st largest credit union in the state of New Jersey. It is also the 1,035^th largest credit union in the nation. It was established in 1937 and as of December of 2011, it had grown to 52 employees and 17,126 members. Greater Alliance Credit Union has a 3-star health rating.

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Data for Q4 2011

Institution Statistics GREATER ALLIANCE NCUA # 2182 BankRate Report View Year Chartered 1937 Employees 52 Primary Regulator Assets and Liabilities Assets $155.02 million Loans $126.79 million Deposits $141.45 million Equity Capital $9.20 million Loan Loss Allowance $985,000 Unbacked Noncurrent Loans $3.00 million Real Estate Owned $40,000 Historic Data - December 2010 Assets $150.09 million Equity Capital $7.30 million Loan Loss Allowance $932,000 Unbacked Noncurrent Loans $2.09 million Real Estate Owned $37,000 Profit Margin - Quarterly Net Interest Margin 5.16% Return on Assets 0.77% Return on Equity 12.94% Interest Income $7.85 million Non-Interest Income $2.84 million

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 Greater Alliance Credit Union had $3.04 million in non-current loans and owned real-estate with $10.19 million in equity and loan loss allowances on hand to cover it. This gives Greater Alliance Credit Union a Texas Ratio of 29.85% 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 Greater Alliance Credit Union held steady from 25.79% as of December 31, 2010 to 29.85% as of December 31, 2011, resulting in a negative change of 15.73%. This indicates that the balance sheet and financial strength for Greater Alliance Credit Union has held steady in recent periods. Deposit Growth In the past year, Greater Alliance Credit Union has increased its total deposits by $8.36 million, resulting in 6.28% 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 Greater Alliance 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. Greater Alliance Credit Union has $155.02 million in assets with $10.19 million in equity, resulting in a capitalization level of 6.57%, which is below average.

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