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Overview / Commentary
681 S King St
Honolulu, HI 96813-3016

Hawaii Central Credit Union is headquartered in Honolulu and is the 14st largest credit union in the state of Hawaii. It is also the 983rd largest credit union in the nation. It was established in 1937 and as of March of 2014, it had grown to 38 employees and 14,859 members. Hawaii Central Credit Union's savings rates are 44% higher than the national average, and it has a A health rating.

Field of Membership Restrictions

Eligibility for membership with Hawaii Central Federal Credit Union (HCFCU) is available to anyone who meets one of the following criteria: -- Persons who live, work, worship full-time or attend school on the Island of Oahu, and members of their immediate family or household. -- Businesses and other legal entities located on the Island of Oahu -- Employees of HCFCU and members of their immediate family - See Details

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Data for Q1 2014

Institution Health


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 Hawaii Central Credit Union had $303,000 in non-current loans and owned real-estate with $15.87 million in equity and loan loss allowances on hand to cover it. This gives Hawaii Central Credit Union a Texas Ratio of 1.91% 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 Hawaii Central Credit Union decreased slightly from 2.50% as of March 31, 2013 to 1.91% as of March 31, 2014, resulting in a positive change of 23.64%.This indicates that the balance sheet and financial strength for Hawaii Central Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Hawaii Central Credit Union has increased its total deposits by $19.85 million, resulting in 13.21% 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 Hawaii Central Credit Union has shown is excellent.



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. Hawaii Central Credit Union has $187.04 million in assets with $15.87 million in equity, resulting in a capitalization level of 8.49%, which is average.

Institution Statistics

NCUA #24839
Year Chartered1937
Primary Regulator
Assets and Liabilities
Assets$187.04 million
Loans$128.21 million
Deposits$170.09 million
Equity Capital$14.87 million
Loan Loss Allowance$1,000,000
Unbacked Noncurrent Loans$303,000
Real Estate Owned$0
Historic Data - March 2013
Assets$165.28 million
Equity Capital$13.98 million
Loan Loss Allowance$816,000
Unbacked Noncurrent Loans$303,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.15%
Return on Assets1.41%
Return on Equity17.72%
Interest Income$1.82 million
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Hawaii Central Credit Union Savings Account Rates

0.75%--IRA Share Account
0.75%--Santa's Helper Christmas Savings
0.75%--Roth IRA Share Account
0.75%--CESA Share Account
0.35%$50k-Super Share Investment
0.20%$100-Regular Share Account
0.15%$100-Business Regular Share Account
0.10%$50k-Business Super Share Investment

Hawaii Central Credit Union Checking Account Rates

0.15%$2,500-Super Draft Checking
0.10%$2,500-Business Super Draft Checking

Hawaii Central Credit Union CD Rates

1.25%$10k-60 Months CD
0.75%$50k-Business 60 Month Share Certificate
0.65%$10k-18 Months CD
0.65%$50k-Business 18 Month Share Certificate
0.60%$50k-Business 1 Year Share Certificate
0.55%$10k-1 Year CD
0.50%$50k-Business 6 Month Share Certificate
0.30%$10k-6 Months CD
0.25%$10k-91 Days CD
0.20%$50k-Business 91 Day Share Certificate

Hawaii Central Credit Union IRA Rates

3.00%$500-60 Months IRA
2.00%$500-18 Months IRA
1.75%$500-6 Months IRA

Hawaii Central Credit Union Locations
Branch Office681 S King StHonolulu, HI 96813-3016