Hawaii State Credit Union

Hawaii State Credit Union is headquartered in Honolulu and is the 2^nd largest credit union in the state of Hawaii. It is also the 138^th largest credit union in the nation. It was established in 1936 and as of December of 2012, it had grown to 204 employees and 76,895 members. Hawaii State Credit Union's savings rates are 15% higher than the national average, and it boasts a 5-star health rating.

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Hawaii State Credit Union IRA Rates

Data for Q4 2012

Institution Statistics HAWAII STATE NCUA # 1718 BankRate Report View Year Chartered 1936 Employees 204 Primary Regulator Assets and Liabilities Assets $1.28 billion Loans $487.89 million Deposits $1.12 billion Equity Capital $149.87 million Loan Loss Allowance $8.32 million Unbacked Noncurrent Loans $2.58 million Real Estate Owned $2.51 million Historic Data - December 2011 Assets $1.24 billion Equity Capital $143.51 million Loan Loss Allowance $6.86 million Unbacked Noncurrent Loans $2.35 million Real Estate Owned $2.51 million Profit Margin - Quarterly Net Interest Margin 5.52% Return on Assets 0.3% Return on Equity 2.6% Interest Income $38.36 million Non-Interest Income $7.16 million

Institution Health Overall Score: 5 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, 2012 Hawaii State Credit Union had $5.1 million in non-current loans and owned real-estate with $158.18 million in equity and loan loss allowances on hand to cover it. This gives Hawaii State Credit Union a Texas Ratio of 3.22% 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 held steady from 3.23% as of December 31, 2011 to 3.22% as of December 31, 2012, resulting in a positive change of 0.37%.This indicates that the balance sheet and financial strength for Hawaii State Credit Union has held steady in recent periods. Deposit Growth In the past year, Hawaii State Credit Union has increased its total deposits by $32.2 million, resulting in 2.97% 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 above average. 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 State Credit Union has $1.28 billion in assets with $158.18 million in equity, resulting in a capitalization level of 12.36%, which is excellent.

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