Aloha Pacific Federal Credit Union

Aloha Pacific Federal Credit Union is headquartered in Honolulu and is the 3^rd largest credit union in the state of Hawaii. It is also the 274^th largest credit union in the nation. It was established in 1936 and as of September of 2011, it had grown to 173 employees and 38,112 members. Aloha Pacific Federal Credit Union's savings rates are 73% higher than the national average, and it has a 4-star health rating.

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Data for Q3 2011

Institution Statistics ALOHA PACIFIC NCUA # 1845 BankRate Report View Year Established 1936 Employees 173 Primary Regulator Assets and Liabilities Assets $713.39 million Loans $373.76 million Deposits $632.12 million Equity Capital $68.11 million Loan Loss Allowance $2.56 million Unbacked Noncurrent Loans $1.27 million Historic Data - September 2010 Assets $721.31 million Equity Capital $63.93 million Loan Loss Allowance $2.16 million Unbacked Noncurrent Loans $1.53 million Profit Margin - Quarterly Net Interest Margin 3.38% Return on Assets 0.77% Return on Equity 8.06% Interest Income $20.88 million Non-Interest Income $7.57 million

Institution Health Overall Score: 4 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 Aloha Pacific Federal Credit Union had $1.27 million in non-current loans and owned real-estate with $70.67 million in equity and loan loss allowances on hand to cover it. This gives Aloha Pacific Federal Credit Union a Texas Ratio of 1.80% 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 Aloha Pacific Federal Credit Union decreased slightly from 2.32% as of September 30, 2010 to 1.80% as of September 30, 2011, resulting in a positive change of 22.40%.This indicates that the balance sheet and financial strength for Aloha Pacific Federal Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Aloha Pacific Federal Credit Union has decreased its total deposits by -$20.03 million, resulting in -3.07% 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 Aloha Pacific Federal Credit Union has shown is below 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. Aloha Pacific Federal Credit Union has $713.39 million in assets with $70.67 million in equity, resulting in a capitalization level of 9.91%, which is average.

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