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Overview / Commentary
73-5611 Olowalu St
Kailua Kona, HI 96740-2689

Hawaii Community Credit Union is headquartered in Kailua Kona and is the 8th largest credit union in the state of Hawaii. It is also the 556th largest credit union in the nation. It was established in 1936 and as of March of 2014, it had grown to 97 employees and 41,900 members. Hawaii Community Credit Union's savings rates are 92% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship, attend school or perform volunteer service on the Island of Hawaii. - 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 Community Credit Union had $4.43 million in non-current loans and owned real-estate with $40.46 million in equity and loan loss allowances on hand to cover it. This gives Hawaii Community Credit Union a Texas Ratio of 10.95% 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 Community Credit Union experienced no significant changes from 10.81% as of March 31, 2013 to 10.95% as of March 31, 2014, resulting in a negative change of 1.30%. This indicates that the balance sheet and financial strength for Hawaii Community Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Hawaii Community Credit Union has increased its total deposits by $17.93 million, resulting in 5.3% 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 Community 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 Community Credit Union has $395.54 million in assets with $40.46 million in equity, resulting in a capitalization level of 10.23%, which is above average.

Institution Statistics

NCUA #1719
Year Chartered1936
Primary Regulator
Assets and Liabilities
Assets$395.54 million
Loans$218.11 million
Deposits$356.40 million
Equity Capital$36.63 million
Loan Loss Allowance$3.84 million
Unbacked Noncurrent Loans$4.34 million
Real Estate Owned$89,000
Historic Data - March 2013
Assets$375.98 million
Equity Capital$34.68 million
Loan Loss Allowance$4.43 million
Unbacked Noncurrent Loans$4.34 million
Real Estate Owned$352,000
Profit Margin - Quarterly
Net Interest Margin1.03%
Return on Assets0.54%
Return on Equity5.83%
Interest Income$2.71 million
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Hawaii Community Credit Union Savings Account Rates

1.00%--IRA Savings Account
1.00%--Roth IRA Savings Account
1.00%--Coverdell Education Savings Account
0.60%$100k-Premium Saver Savings Account
0.40%$25k-Money Manager Savings Account
0.20%--Construction Loan Share Account
0.15%$50-Share Savings Account
0.15%$50-Club Account
0.15%--Secondary Share Account
0.15%--Christmas Club Account

Hawaii Community Credit Union Checking Account Rates

0.60%$100k-Premium Saver Checking Account
0.40%$25k-Money Manager Checking Account
0.35%$10k-Small Business Checking Account
0.00%--Check Advantage Account

Hawaii Community Credit Union CD Rates

1.40%$500-60 Month Share Certificate
1.20%$500-48 Month Share Certificate
1.00%$500-36 Month Share Certificate
0.75%$500-24 Month Share Certificate
0.60%$500-18 Month Share Certificate
0.50%$1k-12 Month Share Certificate
0.40%$1k-9 Month Share Certificate
0.30%$1k-6 Month Share Certificate
0.20%$2k-3 Month Share Certificate
0.20%$200-12 Month Budget Share Certificate

Hawaii Community Credit Union IRA Rates

1.40%$500-60 Month IRA Share Certificate
1.20%$500-48 Month IRA Share Certificate
1.00%$500-36 Month IRA Share Certificate
0.75%$500-24 Month IRA Share Certificate
0.60%$500-18 Month IRA Share Certificate
0.50%$500-12 Month IRA Share Certificate
0.40%$500-9 Month IRA Share Certificate
0.30%$500-6 Month IRA Share Certificate
0.20%$500-3 Month IRA Share Certificate
0.20%--Budget 12 Month IRA Share Certificate

Hawaii Community Credit Union Locations
Branch Office75-159 Hualalai RdKailua Kona, HI 967401742
Branch Office73-5611 Olowalu StKailua Kona, HI 96740-2689
Branch Office45-690 Pakalana St Ste AHonokaa, HI 96727-6934
Branch Office54-396 Union Mill RdKapaau, HI 96755-9997
Branch Office81-1043 Konawaena School Rd Rm E19Kealakekua, HI 967508121
Branch Office54-396 Union Mill RdKapaau, HI 96755-9997
Branch Office81-6631 Mamalahoa HwyKealakekua, HI 96750-8130
Branch Office74-5000 PUOHULIHULI ST RM 303KAILUA KONA, HI 967403318
Branch Office73-5611 Olowalu StKailua Kona, HI 96740-2689