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Overview / Commentary
1244 Kaumualii St
Honolulu, HI 96817

Hawaii Credit Union is headquartered in Honolulu and is the 25th largest credit union in the state of Hawaii. It is also the 1,954th largest credit union in the nation. It was established in 1937 and as of March of 2014, it had grown to 27 employees and 12,248 members. Hawaii Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school on the Island of Oahu. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Hawaii Credit Union has a relatively low asset base.

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 Credit Union had $214,000 in non-current loans and owned real-estate with $7.74 million in equity and loan loss allowances on hand to cover it. This gives Hawaii Credit Union a Texas Ratio of 2.76% 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 Credit Union decreased dramatically from 5.34% as of March 31, 2013 to 2.76% as of March 31, 2014, resulting in a positive change of 48.31%.This indicates that the balance sheet and financial strength for Hawaii Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Hawaii Credit Union has increased its total deposits by $1.34 million, resulting in 2.27% 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 Credit Union has shown is above average.



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 Credit Union has $67.56 million in assets with $7.74 million in equity, resulting in a capitalization level of 11.46%, which is excellent.

Institution Statistics

NCUA #2403
Year Chartered1937
Primary Regulator
Assets and Liabilities
Assets$67.56 million
Loans$46.33 million
Deposits$60.38 million
Equity Capital$6.55 million
Loan Loss Allowance$1.19 million
Unbacked Noncurrent Loans$214,000
Real Estate Owned$0
Historic Data - March 2013
Assets$65.79 million
Equity Capital$6.15 million
Loan Loss Allowance$1.19 million
Unbacked Noncurrent Loans$214,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.69%
Return on Assets0.27%
Return on Equity2.75%
Interest Income$857,000

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Hawaii Credit Union Savings Account Rates

0.15%$100-Regular Savings Account
0.15%$100-IRA Savings Account
0.15%$100-Escrow Savings Account
0.15%$100-Christmas Savings Account

Hawaii Credit Union Money Market Rates

0.25%$50k-PMA Money Market Account

Hawaii Credit Union Checking Account Rates

0.15%$1k-High Yield Checking Account

Hawaii Credit Union CD Rates

0.60%$1k-24 Month Certificate
0.50%$1k-18 Month Certificate
0.40%$1k-12 Month Certificate
0.30%$1k-6 Month Certificate
0.20%$1k-90 Day Certificate

Hawaii Credit Union IRA Rates

0.80%$500-30 Month IRA Certificate
0.65%$500-18 Month IRA Certificate
0.55%$500-12 Month IRA Certificate
0.40%$500-9 Month IRA Certificate

Hawaii Credit Union Locations
Branch Office1244 Kaumualii StHonolulu, HI 96817