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 1,833^rd largest credit union in the nation. It was established in 1961 and as of December of 2011, it had grown to 7 employees and 3,292 members. H M S A Employees Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics H M S A EMPLOYEES NCUA # 14303 BankRate Report View Year Chartered 1961 Employees 7 Primary Regulator Assets and Liabilities Assets $69.05 million Loans $12.79 million Deposits $62.13 million Equity Capital $6.88 million Loan Loss Allowance $314,000 Unbacked Noncurrent Loans $108,000 Historic Data - December 2010 Assets $66.05 million Equity Capital $6.87 million Loan Loss Allowance $415,000 Unbacked Noncurrent Loans $219,000 Profit Margin - Quarterly Net Interest Margin 2.88% Return on Assets 0.02% Return on Equity 0.22% Interest Income $1.54 million Non-Interest Income $31,000

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, 2011 H M S A Employees Credit Union had $108,000 in non-current loans and owned real-estate with $7.2 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 1.50% 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 significantly from 3.01% as of December 31, 2010 to 1.50% as of December 31, 2011, resulting in a positive change of 50.10%.This indicates that the balance sheet and financial strength for H M S A Employees Credit Union has improved significantly in recent periods. Deposit Growth In the past year, H M S A Employees Credit Union has increased its total deposits by $2.99 million, resulting in 5.05% 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 excellent. 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 $69.05 million in assets with $7.2 million in equity, resulting in a capitalization level of 10.42%, which is above average.

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