CU Hawaii

CU Hawaii Locations
476 Hinano St
Hilo, HI 96720
(800) 933-6706
www.cuhawaii.com

NCUA

CU Hawaii is headquartered in Hilo and is the 11st largest credit union in the state of Hawaii. It is also the 791st largest credit union in the nation. It was established in 1955 and as of December of 2012, it had grown to 75 employees and 25,570 members. CU Hawaii has a 4-star health rating.



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

CU Hawaii Checking Account Rates

ApyMinMaxProduct
0.05%$2,500-Plus Checking Account

CU Hawaii Savings Account Rates

ApyMinMaxProduct
0.25%$25-Christmas Savings Account
0.15%$50-Membership Savings Account
0.15%--Special Savings Account
0.15%--Traditional IRA Savings Account
0.15%--Roth IRA Savings Account

CU Hawaii Money Market Rates

ApyMinMaxProduct
0.30%$100k$500kMoney Market Account

CU Hawaii CD Rates

ApyMinMaxProduct
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

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

Rates updated: 5/18/2013

Data for Q4 2012


Institution Statistics


CU HAWAII
NCUA #24630
BankRate ReportView
Year Chartered1955
Employees75
Primary Regulator

Assets and Liabilities

Assets$239.22 million
Loans$82.68 million
Deposits$207.10 million
Equity Capital$27.92 million
Loan Loss Allowance$1.68 million
Unbacked Noncurrent Loans$1.85 million
Real Estate Owned$637,000

Historic Data - December 2011

Assets$228.19 million
Equity Capital$25.44 million
Loan Loss Allowance$1.96 million
Unbacked Noncurrent Loans$2.22 million
Real Estate Owned$190,000

Profit Margin - Quarterly

Net Interest Margin6.44%
Return on Assets1.04%
Return on Equity8.88%
Interest Income$7.22 million
Non-Interest Income$2.76 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio4
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, 2012 CU Hawaii had $2.48 million in non-current loans and owned real-estate with $29.59 million in equity and loan loss allowances on hand to cover it. This gives CU Hawaii a Texas Ratio of 8.39% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for CU Hawaii held steady from 8.80% as of December 31, 2011 to 8.39% as of December 31, 2012, resulting in a positive change of 4.62%.This indicates that the balance sheet and financial strength for CU Hawaii has held steady in recent periods.
Deposit Growth4
In the past year, CU Hawaii has increased its total deposits by $7.07 million, resulting in 3.53% 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 above average.
Capitalization5
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 $239.22 million in assets with $29.59 million in equity, resulting in a capitalization level of 12.37%, which is excellent.
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