Institution Statistics
| HAWAII FIRST | | NCUA # | 10938 | | BankRate Report | View | | Year Chartered | 1956 | | Employees | 20 | | Primary Regulator | |
Assets and Liabilities | | Assets | $36.82 million | | Loans | $26.60 million | | Deposits | $32.09 million | | Equity Capital | $3.13 million | | Loan Loss Allowance | $1.21 million | | Unbacked Noncurrent Loans | $2.62 million | | Real Estate Owned | $350,000 |
Historic Data - December 2010 | | Assets | $40.39 million | | Equity Capital | $2.84 million | | Loan Loss Allowance | $730,000 | | Unbacked Noncurrent Loans | $1.90 million | | Real Estate Owned | $789,000 |
Profit Margin - Quarterly | | Net Interest Margin | 7.22% | | Return on Assets | 0.78% | | Return on Equity | 9.17% | | Interest Income | $2.18 million | | Non-Interest Income | $1.82 million |
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Institution Health
Overall Score:
2 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 Hawaii First Credit Union had $2.97 million in non-current loans and owned real-estate with $4.34 million in equity and loan loss allowances on hand to cover it. This gives Hawaii First Credit Union a Texas Ratio of 68.45% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Hawaii First Credit Union held steady from 75.17% as of December 31, 2010 to 68.45% as of December 31, 2011, resulting in a positive change of 8.94%.This indicates that the balance sheet and financial strength for Hawaii First Credit Union has held steady in recent periods. | | Deposit Growth |  | | In the past year, Hawaii First Credit Union has decreased its total deposits by -$4.4 million, resulting in -12.05% 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 Hawaii First Credit Union has shown is poor. | | 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. Hawaii First Credit Union has $36.82 million in assets with $4.34 million in equity, resulting in a capitalization level of 11.79%, which is above average. |
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