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Overview / Commentary
1138 N King St
Honolulu, HI 96817

Hawaiian Tel Credit Union is headquartered in Honolulu and is the 6th largest credit union in the state of Hawaii. It is also the 435th largest credit union in the nation. It was established in 1936 and as of March of 2014, it had grown to 88 employees and 51,790 members. Hawaiian Tel Credit Union has a A+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school on the Island of Oahu. - See Details

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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

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 Hawaiian Tel Credit Union had $475,000 in non-current loans and owned real-estate with $63.42 million in equity and loan loss allowances on hand to cover it. This gives Hawaiian Tel Credit Union a Texas Ratio of 0.75% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Hawaiian Tel Credit Union decreased dramatically from 1.63% as of March 31, 2013 to 0.75% as of March 31, 2014, resulting in a positive change of 53.96%.This indicates that the balance sheet and financial strength for Hawaiian Tel Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
B

In the past year, Hawaiian Tel Credit Union has increased its total deposits by $303,000, resulting in 0.07% 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 above average.

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. Hawaiian Tel Credit Union has $517.62 million in assets with $63.42 million in equity, resulting in a capitalization level of 12.25%, which is excellent.

Institution Statistics

Overall
NCUA #1717
Year Chartered1936
Employees88
Primary Regulator
Assets and Liabilities
Assets$517.62 million
Loans$238.35 million
Deposits$456.07 million
Equity Capital$59.42 million
Loan Loss Allowance$4.00 million
Unbacked Noncurrent Loans$475,000
Real Estate Owned$0
Historic Data - March 2013
Assets$515.33 million
Equity Capital$56.28 million
Loan Loss Allowance$4.15 million
Unbacked Noncurrent Loans$475,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.08%
Return on Assets0.75%
Return on Equity6.52%
Interest Income$3.46 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Hawaiian Tel Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Hawaiian Tel Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.50%--Traditional IRA Share
0.50%--Roth IRA Share
0.50%--Education IRA Share
0.15%--Regular Share Account
0.15%$25-Kids Club
0.15%--Christmas Club Account

Hawaiian Tel Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.30%$100k-VIP Money Market Account

Hawaiian Tel Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%--Preferred Checking Account

Hawaiian Tel Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.00%$500-36 - 60 Month CD
0.60%$500-12 - 35 Month CD
0.30%$500-6 - 11 Month CD

Hawaiian Tel Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
0.60%$500-12 - 35 Month Traditional IRA
0.30%$500-6 - 11 Month Traditional IRA
Locations


Hawaiian Tel Credit Union Locations
Branch Office1144 10th Ave Suite 101Honolulu, HI 96816
Branch Office95-550 Lanikuhana AveMililani, HI 96789
Branch Office91-600 Farrington HwyKapolei, HI 96707
Branch Office2199 Kalia RdHonolulu, HI 96815
Branch Office1138 N King StHonolulu, HI 96817
Branch Office94-595 Kupuohi StWaipahu, HI 96797
Branch Office1177 Bishop StHonolulu, HI 96813
Branch Office1129 Wright Ave AAFWahiawa, HI 96786