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877-218-6906
P.O. Box 10815
Honolulu, HI 96816

Hawaii National Guard Credit Union is headquartered in HONOLULU and is the 52nd largest credit union in the state of Hawaii. It is also the 3,559th largest credit union in the nation. It was established in 1959 and as of March of 2014, it had grown to 3 employees and 2,269 members. Hawaii National Guard Credit Union has a B health rating.

Field of Membership Restrictions

Must be a Hawaii National Guard State of Hawaii Department of Defense soldier, employee or retiree. - 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. Hawaii National Guard Credit Union has a 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 Hawaii National Guard Credit Union had $19,000 in non-current loans and owned real-estate with $2.1 million in equity and loan loss allowances on hand to cover it. This gives Hawaii National Guard Credit Union a Texas Ratio of 0.90% 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 Hawaii National Guard Credit Union experienced no significant changes from 0.42% as of March 31, 2013 to 0.90% as of March 31, 2014, resulting in a negative change of 113.62%. This indicates that the balance sheet and financial strength for Hawaii National Guard Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Hawaii National Guard Credit Union has increased its total deposits by $516,000, resulting in 2.99% 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 National Guard Credit Union has shown is above 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. Hawaii National Guard Credit Union has $19.88 million in assets with $2.1 million in equity, resulting in a capitalization level of 10.56%, which is above average.

Institution Statistics

Overall
NCUA #13158
Year Chartered1959
Employees3
Primary Regulator
Assets and Liabilities
Assets$19.88 million
Loans$6.16 million
Deposits$17.79 million
Equity Capital$2.05 million
Loan Loss Allowance$46,000
Unbacked Noncurrent Loans$19,000
Real Estate Owned$0
Historic Data - March 2013
Assets$19.41 million
Equity Capital$2.09 million
Loan Loss Allowance$38,000
Unbacked Noncurrent Loans$19,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin0.81%
Return on Assets-0.26%
Return on Equity-2.53%
Interest Income$67,000
Rates
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Hawaii National Guard Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.40%--IRA Savings Account
0.40%--Roth IRA Savings Account
0.40%--Educational IRA Savings Account
0.25%-$2kChristmas Club
0.03%$100-Regular Share

Hawaii National Guard Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.03%$100-Share Draft Account
Locations


Hawaii National Guard Credit Union Locations
Branch Office3949 DIAMOND HEAD RDHONOLULU, HI 96816-4413
Branch Office91-1179 ENTERPRISE AVE # 104AKAPOLEI, HI 96707-2145