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Board Of Water Supply Credit Union

Board Of Water Supply Credit Union
Overview / Commentary
630 S. Beretania Street Engineering Bldg., Rm. 205
Honolulu, HI 96813

Board Of Water Supply Credit Union is headquartered in Honolulu and is the 57th largest credit union in the state of Hawaii. It is also the 3,689th largest credit union in the nation. It was established in 1938 and as of December of 2013, it had grown to 4 employees and 1,231 members. Board Of Water Supply Credit Union has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Board Of Water Supply Credit Union has a low asset base.

Texas Ratio

GRADE:
A+

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, 2013 Board Of Water Supply Credit Union had $3,000 in non-current loans and owned real-estate with $3.22 million in equity and loan loss allowances on hand to cover it. This gives Board Of Water Supply Credit Union a Texas Ratio of 0.09% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Board Of Water Supply Credit Union decreased dramatically from 0.48% as of December 31, 2012 to 0.09% as of December 31, 2013, resulting in a positive change of 80.70%.This indicates that the balance sheet and financial strength for Board Of Water Supply Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Board Of Water Supply Credit Union has increased its total deposits by $855,000, 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 Board Of Water Supply Credit Union has shown is excellent.

Capitalization

GRADE:
A+

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. Board Of Water Supply Credit Union has $17.72 million in assets with $3.22 million in equity, resulting in a capitalization level of 18.17%, which is excellent.

Institution Statistics

Overall
NCUA #2638
Year Chartered1938
Employees4
Primary Regulator
Assets and Liabilities
Assets$17.72 million
Loans$3.39 million
Deposits$14.46 million
Equity Capital$3.21 million
Loan Loss Allowance$9,000
Unbacked Noncurrent Loans$3,000
Real Estate Owned$0
Historic Data - December 2012
Assets$16.94 million
Equity Capital$3.30 million
Loan Loss Allowance$9,000
Unbacked Noncurrent Loans$3,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.65%
Return on Assets-0.52%
Return on Equity-2.9%
Interest Income$306,000
Rates

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Locations


Board Of Water Supply Credit Union Locations
Branch Office630 S Beretania St Engineering Bldg., Rm. 205Honolulu, HI 96813-2404
Branch Office1338 S Beretania StHonolulu, HI 96814-1512