Hawaiian Tel Credit Union

1138 N King St
Honolulu, HI 96817
www.hitelfcu.com

NCUA

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Hawaiian Tel Credit Union is headquartered in Honolulu and is the 6^th largest credit union in the state of Hawaii. It is also the 416^st largest credit union in the nation. It was established in 1936 and as of March of 2013, it had grown to 90 employees and 50,680 members. Hawaiian Tel Credit Union has a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Hawaiian Tel Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.10%	-	-	Preferred Checking Account

Hawaiian Tel Credit Union Savings Account Rates

Apy	Min	Max	Product
0.15%	-	-	Regular Share Account
0.15%	$25	-	Kids Club
0.15%	-	-	Christmas Club Account

Hawaiian Tel Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.25%	$100k	-	VIP Money Market Account

Hawaiian Tel Credit Union CD Rates

Apy	Min	Max	Product
0.80%	$500	-	36 - 60 Month CD
0.50%	$500	-	24 - 35 Month CD
0.40%	$500	-	12 - 23 Month CD
0.30%	$500	-	6 - 11 Month CD

Hawaiian Tel Credit Union IRA Rates

Apy	Min	Max	Product
0.50%	$500	-	24 - 35 Month Traditional IRA
0.50%	$500	-	24 - 35 Month Roth IRA
0.50%	$500	-	24 - 35 Month Education IRA
0.40%	$500	-	12 - 23 Month Traditional IRA
0.40%	$500	-	12 - 23 Month Roth IRA
0.40%	$500	-	12 - 23 Month Education IRA
0.30%	$500	-	6 - 11 Month Traditional IRA
0.30%	$500	-	6 - 11 Month Roth IRA
0.30%	$500	-	6 - 11 Month Education IRA

Rates updated: 6/18/2013

Data for Q1 2013

Institution Statistics

HAWAIIAN TEL
NCUA #	1717
BankRate Report	View
Year Chartered	1936
Employees	90
Primary Regulator
Assets and Liabilities
Assets	$515.33 million
Loans	$195.09 million
Deposits	$455.76 million
Equity Capital	$56.28 million
Loan Loss Allowance	$4.15 million
Unbacked Noncurrent Loans	$983,000
Historic Data - March 2012
Assets	$517.75 million
Equity Capital	$53.22 million
Loan Loss Allowance	$3.76 million
Unbacked Noncurrent Loans	$1.17 million
Profit Margin - Quarterly
Net Interest Margin	1.19%
Return on Assets	0.64%
Return on Equity	5.84%
Interest Income	$3.16 million
Non-Interest Income	$1.25 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 Hawaiian Tel Credit Union had $983,000 in non-current loans and owned real-estate with $60.43 million in equity and loan loss allowances on hand to cover it. This gives Hawaiian Tel Credit Union a Texas Ratio of 1.63% 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 Hawaiian Tel Credit Union decreased slightly from 2.05% as of March 31, 2012 to 1.63% as of March 31, 2013, resulting in a positive change of 20.65%.This indicates that the balance sheet and financial strength for Hawaiian Tel Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Hawaiian Tel Credit Union has decreased its total deposits by -$4.44 million, resulting in -0.96% 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 Hawaiian Tel Credit Union has shown is 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. Hawaiian Tel Credit Union has $515.33 million in assets with $60.43 million in equity, resulting in a capitalization level of 11.73%, which is above average.

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