USAlliance Credit Union

600 Midland Ave
Rye, NY 10580
800-431-2754
www.usalliance.org

NCUA

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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 261^st largest credit union in the nation. It was established in 1966 and as of March of 2013, it had grown to 178 employees and 56,137 members. USAlliance Credit Union's savings rates are 25% higher than the national average, and it has a 3-star health rating.

Special 15-Month CD Rate at USAlliance FCU - Easy Membership - 1/8/2013

Last month USAlliance Federal Credit Union offered a one-day CD special. The credit union has a new CD special that is scheduled to last for all of January. It's a 15-month CD with a 1.30% APY. Maximu ...

Special 12-Month CD Rate at USAlliance FCU - Easy Membership - 12/10/2012

We have a special date that's coming up this week. On Wednesday the date will be 12/12/12. There's at least one financial institution that's offering a deposit account promotion for this date. It's US ...

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

USAlliance Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.05%	$2k	-	USA Gold Checking

USAlliance Credit Union Savings Account Rates

Apy	Min	Max	Product
0.65%	-	-	Education Savings Account
0.40%	-	-	Club Account
0.40%	-	-	STAR Account
0.10%	$2k	-	Savings Plus Account
0.05%	$2k	-	Share Management Savings
0.05%	$2k	-	Kids Savings Account
0.05%	$2k	-	Teen Savings Account
0.05%	$2k	-	Encore Savings Account
0.05%	$2k	-	Health Savings Account

USAlliance Credit Union Money Market Rates

Apy	Min	Max	Product
0.35%	$75k	-	Platinum Money Manager Account
0.30%	$50k	-	Diamond Money Manager Account
0.25%	$25k	-	Super Savings Money Manager Account

USAlliance Credit Union CD Rates

Apy	Min	Max	Product
1.71%	$500	-	60 Month CD
1.46%	$500	-	48 Month CD
1.26%	$500	-	36 Month CD
1.01%	$500	-	11 Month Special Promotion CD
0.95%	$500	-	24 Month CD
0.90%	$500	-	18 Month Special Promotion CD
0.75%	$500	-	15 Month CD
0.75%	$500	-	15 Month Special Promotion CD
0.70%	$500	-	12 Month CD
0.60%	$500	-	9 Month CD
0.50%	$500	-	3 Year Variable CD
0.50%	$500	-	6 Month CD
0.40%	$500	-	3 Month CD
0.30%	$100k	-	31 Day Jumbo CD
0.11%	$500	-	1 Year Variable CD

Rates updated: 6/19/2013

Data for Q1 2013

Institution Statistics

USALLIANCE
NCUA #	17587
BankRate Report	View
Year Chartered	1966
Employees	178
Primary Regulator
Assets and Liabilities
Assets	$828.63 million
Loans	$605.60 million
Deposits	$762.53 million
Equity Capital	$57.96 million
Loan Loss Allowance	$4.70 million
Unbacked Noncurrent Loans	$11.77 million
Real Estate Owned	$716,000
Historic Data - March 2012
Assets	$834.19 million
Equity Capital	$56.51 million
Loan Loss Allowance	$4.66 million
Unbacked Noncurrent Loans	$25.76 million
Real Estate Owned	$1.03 million
Profit Margin - Quarterly
Net Interest Margin	1.04%
Return on Assets	0.41%
Return on Equity	5.87%
Interest Income	$7.41 million
Non-Interest Income	$705,000

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 March 31, 2013 USAlliance Credit Union had $12.49 million in non-current loans and owned real-estate with $62.65 million in equity and loan loss allowances on hand to cover it. This gives USAlliance Credit Union a Texas Ratio of 19.93% 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 USAlliance Credit Union decreased significantly from 43.80% as of March 31, 2012 to 19.93% as of March 31, 2013, resulting in a positive change of 54.49%.This indicates that the balance sheet and financial strength for USAlliance Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, USAlliance Credit Union has decreased its total deposits by -$7.62 million, resulting in -0.99% 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 $828.63 million in assets with $62.65 million in equity, resulting in a capitalization level of 7.56%, which is below average.

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USAlliance Credit Union

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