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Overview / Commentary
808-933-6700
476 Hinano St
Hilo, HI 96720

CU Hawaii is headquartered in Hilo and is the 11st largest credit union in the state of Hawaii. It is also the 806th largest credit union in the nation. It was established in 1955 and as of March of 2014, it had grown to 79 employees and 25,922 members. CU Hawaii has a A+ health rating.

Field of Membership Restrictions

Must live, work or attend school on the Island of Hawaii. - See Details

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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 CU Hawaii had $2.39 million in non-current loans and owned real-estate with $30.34 million in equity and loan loss allowances on hand to cover it. This gives CU Hawaii a Texas Ratio of 7.87% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for CU Hawaii decreased slightly from 9.54% as of March 31, 2013 to 7.87% as of March 31, 2014, resulting in a positive change of 17.46%.This indicates that the balance sheet and financial strength for CU Hawaii has improved slightly in recent periods.

Deposit Growth

GRADE:
A

In the past year, CU Hawaii has increased its total deposits by $8.1 million, resulting in 3.9% 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 CU Hawaii 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. CU Hawaii has $247.28 million in assets with $30.34 million in equity, resulting in a capitalization level of 12.27%, which is excellent.

Institution Statistics

Overall
NCUA #24630
Year Chartered1955
Employees79
Primary Regulator
Assets and Liabilities
Assets$247.28 million
Loans$80.15 million
Deposits$215.77 million
Equity Capital$29.03 million
Loan Loss Allowance$1.31 million
Unbacked Noncurrent Loans$2.23 million
Real Estate Owned$160,000
Historic Data - March 2013
Assets$239.29 million
Equity Capital$28.46 million
Loan Loss Allowance$1.68 million
Unbacked Noncurrent Loans$2.23 million
Real Estate Owned$350,000
Profit Margin - Quarterly
Return on Assets0.66%
Return on Equity5.62%
Interest Income$1.44 million
Rates

Always verify rates and promotions with the bank or credit union. We are not CU Hawaii, we are a rate comparison website and can not provide official rates or promotions.

CU Hawaii Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.15%$100-Membership Savings Account
0.15%$100-Special Savings Account
0.15%$100-Traditional IRA Savings Account
0.15%$100-Roth IRA Savings Account

CU Hawaii Money Market Rates

DetailsAPYMINMAXPRODUCT
0.30%$500k-Money Market Account

CU Hawaii Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.05%$2,500-Plus Checking Account

CU Hawaii CD Rates

DetailsAPYMINMAXPRODUCT
0.80%$2,500-36 Month Certificate
0.60%$2,500-24 Month Certificate
0.45%$2,500-18 Month Certificate
0.35%$2,500-12 Month Certificate
0.25%$2,500-6 Month Certificate

CU Hawaii IRA Rates

DetailsAPYMINMAXPRODUCT
0.80%$2,500-36 Month IRA Certificate
0.60%$2,500-24 Month IRA Certificate
0.45%$2,500-18 Month IRA Certificate
0.35%$2,500-12 Month IRA Certificate
0.25%$2,500-6 Month IRA Certificate
Locations


CU Hawaii Locations
Branch Office95-5664 Mamalahoa HwyNaalehu, HI 96772
Branch Office75-5781 Kuakini HwyKailua Kona, HI 96740-1734
Branch Office476 Hinano StHilo, HI 96720
Branch Office50 E Puainako StHilo, HI 96720-5243
Branch Office16-710 Milo StKeaau, HI 96749-8107
Branch Office15-2660 Pahoa Village RdPahoa, HI 96778-6720
Branch Office155 W Kawili St Rm B202Hilo, HI 96720
Branch Office96-3208 Maile StPahala, HI 96777