H M S A Employees Credit Union

H M S A Employees Credit Union is headquartered in Honolulu and is the 23^rd largest credit union in the state of Hawaii. It is also the 1,834^th largest credit union in the nation. It was established in 1961 and as of December of 2012, it had grown to 7 employees and 3,355 members. H M S A Employees Credit Union has a 5-star health rating.

Data for Q4 2012

Institution Statistics H M S A EMPLOYEES NCUA # 14303 BankRate Report View Year Chartered 1961 Employees 7 Primary Regulator Assets and Liabilities Assets $71.91 million Loans $12.83 million Deposits $64.96 million Equity Capital $6.93 million Loan Loss Allowance $280,000 Unbacked Noncurrent Loans $72,000 Historic Data - December 2011 Assets $69.05 million Equity Capital $6.88 million Loan Loss Allowance $314,000 Unbacked Noncurrent Loans $108,000 Profit Margin - Quarterly Net Interest Margin 3.42% Return on Assets 0.06% Return on Equity 0.62% Interest Income $1.02 million Non-Interest Income $40,000

Institution Health Overall Score: 5 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 H M S A Employees Credit Union had $72,000 in non-current loans and owned real-estate with $7.21 million in equity and loan loss allowances on hand to cover it. This gives H M S A Employees Credit Union a Texas Ratio of 1.00% 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 H M S A Employees Credit Union decreased slightly from 1.50% as of December 31, 2011 to 1.00% as of December 31, 2012, resulting in a positive change of 33.44%.This indicates that the balance sheet and financial strength for H M S A Employees Credit Union has improved slightly in recent periods. Deposit Growth In the past year, H M S A Employees Credit Union has increased its total deposits by $2.83 million, resulting in 4.56% 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 H M S A Employees Credit Union has shown is above 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. H M S A Employees Credit Union has $71.91 million in assets with $7.21 million in equity, resulting in a capitalization level of 10.02%, which is above average.

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