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808-955-5933
1441 Kapiolani Blvd Ste 1318
Honolulu, HI 96814

Hawaii Pacific Federal Credit Union is headquartered in Honolulu and is the 32nd largest credit union in the state of Hawaii. It is also the 2,380th largest credit union in the nation. It was established in 1941 and as of March of 2014, it had grown to 17 employees and 6,195 members. Hawaii Pacific Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to anyone working for, or, is related to someone who works for any of the hundreds of businesses they serve. - 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 Pacific Federal 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 Pacific Federal Credit Union had $165,000 in non-current loans and owned real-estate with $4.38 million in equity and loan loss allowances on hand to cover it. This gives Hawaii Pacific Federal Credit Union a Texas Ratio of 3.77% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Hawaii Pacific Federal Credit Union decreased dramatically from 7.61% as of March 31, 2013 to 3.77% as of March 31, 2014, resulting in a positive change of 50.46%.This indicates that the balance sheet and financial strength for Hawaii Pacific Federal Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
D

In the past year, Hawaii Pacific Federal Credit Union has decreased its total deposits by -$3.05 million, resulting in -6.82% 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 Pacific Federal Credit Union has shown is below average.

Capitalization

GRADE:
C+

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 Pacific Federal Credit Union has $47.02 million in assets with $4.38 million in equity, resulting in a capitalization level of 9.31%, which is average.

Institution Statistics

Overall
NCUA #4676
Year Chartered1941
Employees17
Primary Regulator
Assets and Liabilities
Assets$47.02 million
Loans$24.60 million
Deposits$41.65 million
Equity Capital$4.28 million
Loan Loss Allowance$98,000
Unbacked Noncurrent Loans$165,000
Real Estate Owned$0
Historic Data - March 2013
Assets$51.05 million
Equity Capital$4.76 million
Loan Loss Allowance$156,000
Unbacked Noncurrent Loans$165,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets-0.12%
Return on Equity-1.31%
Interest Income$395,000
Rates

Sorry, we do not have rate data for Hawaii Pacific Federal Credit Union

Locations


Hawaii Pacific Federal Credit Union Locations
Branch Office1441 Kapiolani Blvd Ste 1318Honolulu, HI 96814
Branch Office98-180 Kamehameha Hwy Ste 1Aiea, HI 96701