Dole Wahiawa Credit Union

Dole Wahiawa Credit Union is headquartered in Wahiawa and is the 74^th largest credit union in the state of Hawaii. It is also the 5,921^st largest credit union in the nation. It was established in 1938 and as of December of 2012, it had grown to 2 employees and 864 members. Dole Wahiawa Credit Union has a 2-star health rating.

Data for Q4 2012

Institution Statistics DOLE WAHIAWA NCUA # 2614 BankRate Report View Year Chartered 1938 Employees 2 Primary Regulator Assets and Liabilities Assets $2.81 million Loans $1.93 million Deposits $2.49 million Equity Capital $317,000 Loan Loss Allowance $48,000 Unbacked Noncurrent Loans $340,000 Historic Data - December 2011 Assets $2.97 million Equity Capital $420,000 Loan Loss Allowance $46,000 Unbacked Noncurrent Loans $369,000 Profit Margin - Quarterly Net Interest Margin 9.05% Return on Assets -3.46% Return on Equity -30.6% Interest Income $201,000 Non-Interest Income $3,000

Institution Health Overall Score: 2 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, 2012 Dole Wahiawa Credit Union had $340,000 in non-current loans and owned real-estate with $365,000 in equity and loan loss allowances on hand to cover it. This gives Dole Wahiawa Credit Union a Texas Ratio of 93.15% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Dole Wahiawa Credit Union increased slightly from 79.18% as of December 31, 2011 to 93.15% as of December 31, 2012, resulting in a negative change of 17.64%. This indicates that the balance sheet and financial strength for Dole Wahiawa Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Dole Wahiawa Credit Union has decreased its total deposits by $-58,000, resulting in -2.28% 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 Dole Wahiawa 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. Dole Wahiawa Credit Union has $2.81 million in assets with $365,000 in equity, resulting in a capitalization level of 13.00%, which is excellent.

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