Hawaii USA Federal Credit Union

Hawaii USA Federal Credit Union is headquartered in Honolulu and is the largest credit union in the state of Hawaii. It is also the 133^rd largest credit union in the nation. It was established in 1936 and as of March of 2013, it had grown to 313 employees and 122,628 members. Hawaii USA Federal Credit Union's savings rates are 2X the national average, and it boasts a 5-star health rating.

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Data for Q1 2013

Institution Statistics HAWAIIUSA NCUA # 1815 BankRate Report View Year Chartered 1936 Employees 313 Primary Regulator Assets and Liabilities Assets $1.36 billion Loans $490.35 million Deposits $1.20 billion Equity Capital $140.20 million Loan Loss Allowance $16.54 million Unbacked Noncurrent Loans $2.07 million Historic Data - March 2012 Assets $1.31 billion Equity Capital $128.03 million Loan Loss Allowance $17.00 million Unbacked Noncurrent Loans $4.99 million Real Estate Owned $633,000 Profit Margin - Quarterly Net Interest Margin 1.31% Return on Assets 0.81% Return on Equity 7.81% Interest Income $8.72 million Non-Interest Income $5.26 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 March 31, 2013 Hawaii USA Federal Credit Union had $2.07 million in non-current loans and owned real-estate with $156.73 million in equity and loan loss allowances on hand to cover it. This gives Hawaii USA Federal Credit Union a Texas Ratio of 1.32% 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 USA Federal Credit Union decreased significantly from 3.88% as of March 31, 2012 to 1.32% as of March 31, 2013, resulting in a positive change of 65.92%.This indicates that the balance sheet and financial strength for Hawaii USA Federal Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Hawaii USA Federal Credit Union has increased its total deposits by $29 million, resulting in 2.49% 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 USA Federal 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 USA Federal Credit Union has $1.36 billion in assets with $156.73 million in equity, resulting in a capitalization level of 11.54%, which is above average.

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