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Overview / Commentary
560 Halekauwila St
Honolulu, HI 96813

Hawaii State Credit Union is headquartered in Honolulu and is the 2nd largest credit union in the state of Hawaii. It is also the 148th largest credit union in the nation. It was established in 1936 and as of March of 2014, it had grown to 226 employees and 80,054 members. Hawaii State Credit Union has a A health rating.

Field of Membership Restrictions

Must be an employee of the State of Hawaii, Counties of Honolulu, Maui, Hawaii or Kauai or the City of Honolulu. - 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 State Credit Union had $6.04 million in non-current loans and owned real-estate with $152.82 million in equity and loan loss allowances on hand to cover it. This gives Hawaii State Credit Union a Texas Ratio of 3.95% 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 State Credit Union experienced no significant changes from 2.69% as of March 31, 2013 to 3.95% as of March 31, 2014, resulting in a negative change of 47.17%. This indicates that the balance sheet and financial strength for Hawaii State Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Hawaii State Credit Union has increased its total deposits by $37.39 million, resulting in 3.29% 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 State 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 State Credit Union has $1.33 billion in assets with $152.82 million in equity, resulting in a capitalization level of 11.48%, which is excellent.

Institution Statistics

NCUA #1718
Year Chartered1936
Primary Regulator
Assets and Liabilities
Assets$1.33 billion
Loans$478.82 million
Deposits$1.17 billion
Equity Capital$145.92 million
Loan Loss Allowance$6.90 million
Unbacked Noncurrent Loans$6.04 million
Real Estate Owned$0
Historic Data - March 2013
Assets$1.30 billion
Equity Capital$148.50 million
Loan Loss Allowance$7.70 million
Unbacked Noncurrent Loans$6.04 million
Real Estate Owned$2.51 million
Profit Margin - Quarterly
Net Interest Margin1.18%
Return on Assets0.43%
Return on Equity3.91%
Interest Income$8.01 million
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Hawaii State Credit Union Savings Account Rates

0.35%--IRA Savings
0.35%--Roth IRA Savings
0.35%--CESA Savings
0.15%$100k-Investment Share Account
0.10%$100-Regular Share Account
0.10%--Green Bucks Account

Hawaii State Credit Union Checking Account Rates

0.15%$50k-Platinum Checking Account
0.05%$500-ShareCheck (Checking) Account

Hawaii State Credit Union CD Rates

1.00%$1k-60 Month Account CD
0.75%$1k-48 Month Account CD
0.55%$1k-36 Month Account CD
0.45%$1k-24 Month Account CD
0.35%$1k-12 Month Account CD
0.25%$1k-6 Month Account CD

Hawaii State Credit Union IRA Rates

1.00%$1k-60 Month Account IRA
0.75%$1k-48 Month Account IRA
0.55%$1k-36 Month Account IRA
0.45%$1k-24 Month Account IRA
0.35%$1k-12 Month Account IRA
0.25%$1k-6 Month Account IRA

Hawaii State Credit Union Locations
Branch Office590 Farrington Hwy Unit 140Kapolei, HI 96707
Branch Office95-1095 Ainamakua Dr Ste 9Mililani, HI 96789
Branch Office46-047 Kamehameha Hwy Unit 7Kaneohe, HI 96744
Branch OfficeWestridge Shopping Center 98-150 Kaonohi St Ste C101Aiea, HI 96701
Branch Office560 Halekauwila StHonolulu, HI 96813
Branch Office1099 Alakea St Ste 100Honolulu, HI 96813
Branch OfficeTriangle Square 425 Koloa St Ste 101BKahului, HI 96732
Branch Office3221 Waialae Ave Ste 16-6BHonolulu, HI 96816