CU Hawaii

476 Hinano Street
Hilo, HI 96720
(800) 933-6706
www.cuhawaii.com

OverView
Rates
Health
Reviews

CU Hawaii is headquartered in Hilo and is the 13^st largest credit union in the state of Hawaii. It is also the 791^st largest credit union in the nation. It was established in 1955 and as of December of 2011, it had grown to 75 employees and 23,626 members. CU Hawaii has a 4-star health rating.

Report an Issue

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

CU Hawaii Checking Account Rates

	Apy	Min	Max	Product
	0.05%	$2,500	-	Plus Checking Account

CU Hawaii Savings Account Rates

Apy	Min	Max	Product
0.40%	$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

	Apy	Min	Max	Product
	0.30%	$100k	-	Money Market Account

CU Hawaii CD Rates

Apy	Min	Max	Product
1.00%	$2,500	-	36 Month Certificate
0.90%	$2,500	-	24 Month Certificate
0.70%	$2,500	-	18 Month Certificate
0.45%	$2,500	-	12 Month Certificate
0.35%	$2,500	-	6 Month Certificate

CU Hawaii IRA Rates

Apy	Min	Max	Product
1.00%	$2,500	-	36 Month IRA Certificate
1.00%	$2,500	-	36 Month Roth IRA Certificate
0.90%	$2,500	-	24 Month IRA Certificate
0.90%	$2,500	-	24 Month Roth IRA Certificate
0.70%	$2,500	-	18 Month IRA Certificate
0.70%	$2,500	-	18 Month Roth IRA Certificate
0.45%	$2,500	-	12 Month IRA Certificate
0.45%	$2,500	-	12 Month Roth IRA Certificate
0.35%	$2,500	-	6 Month IRA Certificate
0.35%	$2,500	-	6 Month Roth IRA Certificate

Rates updated: 5/24/2012

Data for Q4 2011

Institution Statistics

CU HAWAII
NCUA #	24630
BankRate Report	View
Year Chartered	1955
Employees	75
Primary Regulator
Assets and Liabilities
Assets	$228.19 million
Loans	$85.37 million
Deposits	$200.03 million
Equity Capital	$25.44 million
Loan Loss Allowance	$1.96 million
Unbacked Noncurrent Loans	$2.22 million
Real Estate Owned	$190,000
Historic Data - December 2010
Assets	$233.50 million
Equity Capital	$23.86 million
Loan Loss Allowance	$2.74 million
Unbacked Noncurrent Loans	$3.07 million
Profit Margin - Quarterly
Net Interest Margin	6.46%
Return on Assets	0.7%
Return on Equity	6.32%
Interest Income	$7.94 million
Non-Interest Income	$2.77 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 December 31, 2011 CU Hawaii had $2.41 million in non-current loans and owned real-estate with $27.4 million in equity and loan loss allowances on hand to cover it. This gives CU Hawaii a Texas Ratio of 8.80% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for CU Hawaii decreased slightly from 11.53% as of December 31, 2010 to 8.80% as of December 31, 2011, resulting in a positive change of 23.74%.This indicates that the balance sheet and financial strength for CU Hawaii has improved slightly in recent periods.
Deposit Growth
In the past year, CU Hawaii has decreased its total deposits by -$7.91 million, resulting in -3.8% 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 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. CU Hawaii has $228.18 million in assets with $27.4 million in equity, resulting in a capitalization level of 12.01%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.