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Overview / Commentary
808-587-2700
560 Halekauwila Street
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 144th largest credit union in the nation. It was established in 1936 and as of December of 2013, it had grown to 227 employees and 79,035 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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Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

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, 2013 Hawaii State Credit Union had $6.6 million in non-current loans and owned real-estate with $150.72 million in equity and loan loss allowances on hand to cover it. This gives Hawaii State Credit Union a Texas Ratio of 4.38% 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 State Credit Union experienced no significant changes from 3.22% as of December 31, 2012 to 4.38% as of December 31, 2013, resulting in a negative change of 35.94%. This indicates that the balance sheet and financial strength for Hawaii State Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A

In the past year, Hawaii State Credit Union has increased its total deposits by $36.07 million, resulting in 3.23% 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.

Capitalization

GRADE:
A

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 $1.31 billion in assets with $150.72 million in equity, resulting in a capitalization level of 11.52%, which is excellent.

Institution Statistics

Overall
NCUA #1718
Year Chartered1936
Employees227
Primary Regulator
Assets and Liabilities
Assets$1.31 billion
Loans$475.07 million
Deposits$1.15 billion
Equity Capital$143.42 million
Loan Loss Allowance$7.29 million
Unbacked Noncurrent Loans$6.60 million
Real Estate Owned$0
Historic Data - December 2012
Assets$1.28 billion
Equity Capital$149.87 million
Loan Loss Allowance$8.32 million
Unbacked Noncurrent Loans$6.60 million
Real Estate Owned$2.51 million
Profit Margin - Quarterly
Net Interest Margin4.92%
Return on Assets0.21%
Return on Equity1.96%
Interest Income$32.89 million
Rates
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Hawaii State Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
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

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

Hawaii State Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
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

DetailsAPYMINMAXPRODUCT
1.00%$1k-60 Month Account IRA (Traditional,Roth,CESA)
0.75%$1k-48 Month Account IRA (Traditional,Roth,CESA)
0.55%$1k-36 Month Account IRA (Traditional,Roth,CESA)
0.45%$1k-24 Month Account IRA (Traditional,Roth,CESA)
0.35%$1k-12 Month Account IRA (Traditional,Roth,CESA)
0.25%$1k-6 Month Account IRA (Traditional,Roth,CESA)
Locations


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