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Overview / Commentary
808-948-5154
P.O. Box 860
Honolulu, HI 96808

H M S A Employees Credit Union is headquartered in Honolulu and is the 24th largest credit union in the state of Hawaii. It is also the 1,915st largest credit union in the nation. It was established in 1961 and as of March of 2014, it had grown to 7 employees and 3,406 members. H M S A Employees Credit Union has a B+ health rating.

Field of Membership Restrictions

You can join the Credit Union from your first day of employment with HMSA. A savings deposit of $5 is all it takes to open your account. Just fill in a membership card and return it to the Credit Union. Once you are a member, any immediate relative can also join. - See Details

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Health

Data for Q1 2014

Institution Health

B+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. H M S A Employees Credit Union has a relatively low asset base.

Texas Ratio

GRADE:
A+

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 H M S A Employees Credit Union had $85,000 in non-current loans and owned real-estate with $7.36 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 1.16% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for H M S A Employees Credit Union experienced no significant changes from 0.72% as of March 31, 2013 to 1.16% as of March 31, 2014, resulting in a negative change of 60.91%. This indicates that the balance sheet and financial strength for H M S A Employees Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
C-

In the past year, H M S A Employees Credit Union has decreased its total deposits by -$2.15 million, resulting in -3.34% 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 below average.

Capitalization

GRADE:
B+

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 $69.47 million in assets with $7.36 million in equity, resulting in a capitalization level of 10.59%, which is above average.

Institution Statistics

Overall
NCUA #14303
Year Chartered1961
Employees7
Primary Regulator
Assets and Liabilities
Assets$69.47 million
Loans$12.57 million
Deposits$62.35 million
Equity Capital$7.06 million
Loan Loss Allowance$291,000
Unbacked Noncurrent Loans$85,000
Real Estate Owned$0
Historic Data - March 2013
Assets$71.52 million
Equity Capital$6.98 million
Loan Loss Allowance$258,000
Unbacked Noncurrent Loans$85,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.35%
Return on Equity3.45%
Interest Income$230,000
Rates
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H M S A Employees Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.40%--Share Savings
0.40%--Christmas Club Savings

H M S A Employees Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.40%--Share Draft Checking
Locations


H M S A Employees Credit Union Locations
Branch Office818 Keeaumoku StHonolulu, HI 96814
Branch Office949 Kamokila BlvdKapolei, HI 96707