Members Alliance CU (IL)

Members Alliance CU (IL) is headquartered in ROCKFORD and is the 40^th largest credit union in the state of Illinois. It is also the 1,118^st largest credit union in the nation. It was established in 1938 and as of December of 2011, it had grown to 61 employees and 17,955 members. Members Alliance CU (IL) has a 3-star health rating.

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Data for Q4 2011

Institution Statistics MEMBERS ALLIANCE NCUA # 81402 BankRate Report View Year Chartered 1938 Employees 61 Primary Regulator Assets and Liabilities Assets $140.84 million Loans $72.30 million Deposits $127.62 million Equity Capital $11.00 million Loan Loss Allowance $877,000 Unbacked Noncurrent Loans $2.28 million Real Estate Owned $188,000 Historic Data - December 2010 Assets $139.57 million Equity Capital $10.37 million Loan Loss Allowance $693,000 Unbacked Noncurrent Loans $2.02 million Real Estate Owned $3,000 Profit Margin - Quarterly Net Interest Margin 5.5% Return on Assets 0.45% Return on Equity 5.75% Interest Income $4.90 million Non-Interest Income $2.70 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 Members Alliance CU (IL) had $2.47 million in non-current loans and owned real-estate with $11.88 million in equity and loan loss allowances on hand to cover it. This gives Members Alliance CU (IL) a Texas Ratio of 20.82% 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 Members Alliance CU (IL) held steady from 18.28% as of December 31, 2010 to 20.82% as of December 31, 2011, resulting in a negative change of 13.84%. This indicates that the balance sheet and financial strength for Members Alliance CU (IL) has held steady in recent periods. Deposit Growth In the past year, Members Alliance CU (IL) has increased its total deposits by $257,000, resulting in 0.2% 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 Members Alliance CU (IL) has shown is 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. Members Alliance CU (IL) has $140.84 million in assets with $11.88 million in equity, resulting in a capitalization level of 8.43%, which is average.

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