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P.O. Box 60459
Ewa Beach, HI 96706

Ewa Credit Union is headquartered in Ewa Beach and is the 60th largest credit union in the state of Hawaii. It is also the 4,183rd largest credit union in the nation. It was established in 1937 and as of March of 2014, it had grown to 4 employees and 1,859 members. Ewa Credit Union has a B health rating.

Field of Membership Restrictions

Our Field of Membership is primarily limited to Ewa Village Community Association residents living within the boundary lines of Mango Tree Road, Fort Weaver Road, OR&L Historic Railway and Kualaka’i Parkway (North-South Road), retirees of Oahu Sugar Company, members of their immediate families or household member, and organizations of such persons. - See Details

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Data for Q1 2014

Institution Health

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

Texas Ratio


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 Ewa Credit Union had $31,000 in non-current loans and owned real-estate with $2.95 million in equity and loan loss allowances on hand to cover it. This gives Ewa Credit Union a Texas Ratio of 1.05% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Ewa Credit Union decreased dramatically from 2.05% as of March 31, 2013 to 1.05% as of March 31, 2014, resulting in a positive change of 48.92%.This indicates that the balance sheet and financial strength for Ewa Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Ewa Credit Union has decreased its total deposits by $-124,000, resulting in -1.26% 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 Ewa Credit Union has shown is average.



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. Ewa Credit Union has $12.68 million in assets with $2.95 million in equity, resulting in a capitalization level of 23.29%, which is excellent.

Institution Statistics

NCUA #1987
Year Chartered1937
Primary Regulator
Assets and Liabilities
Assets$12.68 million
Loans$3.50 million
Deposits$9.69 million
Equity Capital$2.92 million
Loan Loss Allowance$37,000
Unbacked Noncurrent Loans$31,000
Real Estate Owned$0
Historic Data - March 2013
Assets$12.79 million
Equity Capital$2.90 million
Loan Loss Allowance$66,000
Unbacked Noncurrent Loans$31,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.6%
Return on Equity2.61%
Interest Income$89,000
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Ewa Credit Union Savings Account Rates

0.15%$50-Regular Share Account
0.15%$50-Miscellaneous Account
0.15%$50-Christmas Club

Ewa Credit Union Checking Account Rates

0.05%$50-Share Draft/Checking Account

Ewa Credit Union CD Rates

0.55%$1k-24 Month Share Certificate
0.35%$1k-12 Month Share Certificate
0.25%$1k-6 Month Share Certificate

Ewa Credit Union Locations
Branch Office91-1202 Renton Rd # AEwa Beach, HI 96706-7000