USAlliance Credit Union

USAlliance Credit Union is headquartered in RYE and is the 20^th largest credit union in the state of New York. It is also the 258^th largest credit union in the nation. It was established in 1966 and as of December of 2011, it had grown to 149 employees and 46,515 members. USAlliance Credit Union's savings rates are 25% higher than the national average, but it has a 2-star health rating.

USAlliance Credit Union Savings Account Rates

USAlliance Credit Union Money Market Rates

USAlliance Credit Union CD Rates

Data for Q4 2011

Institution Statistics USALLIANCE NCUA # 17587 BankRate Report View Year Chartered 1966 Employees 149 Primary Regulator Assets and Liabilities Assets $758.44 million Loans $538.84 million Deposits $696.16 million Equity Capital $54.74 million Loan Loss Allowance $5.02 million Unbacked Noncurrent Loans $25.25 million Real Estate Owned $514,000 Historic Data - December 2010 Assets $753.08 million Equity Capital $53.57 million Loan Loss Allowance $4.24 million Unbacked Noncurrent Loans $14.09 million Real Estate Owned $1.23 million Profit Margin - Quarterly Net Interest Margin 4.35% Return on Assets 0.24% Return on Equity 3.31% Interest Income $30.12 million Non-Interest Income $2.85 million

Institution Health Overall Score: 2 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 USAlliance Credit Union had $25.77 million in non-current loans and owned real-estate with $59.76 million in equity and loan loss allowances on hand to cover it. This gives USAlliance Credit Union a Texas Ratio of 43.11% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for USAlliance Credit Union increased slightly from 26.51% as of December 31, 2010 to 43.11% as of December 31, 2011, resulting in a negative change of 62.61%. This indicates that the balance sheet and financial strength for USAlliance Credit Union has declined slightly in recent periods. Deposit Growth In the past year, USAlliance Credit Union has increased its total deposits by $5.95 million, resulting in 0.86% 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 USAlliance Credit Union 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. USAlliance Credit Union has $758.44 million in assets with $59.76 million in equity, resulting in a capitalization level of 7.88%, which is below average.

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