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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

Persons who live, work in, worship, or go to school in and businesses and other legal entities located on the Island of Oahu, Hawaii. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


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


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


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.



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

NCUA #1717
Year Chartered1936
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
Return on Assets0.75%
Return on Equity6.52%
Interest Income$3.46 million

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Hawaiian Tel Credit Union Savings Account Rates

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

0.30%$100k-VIP Money Market Account

Hawaiian Tel Credit Union Checking Account Rates

0.10%--Preferred Checking Account

Hawaiian Tel Credit Union CD Rates

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

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

Hawaiian Tel Credit Union Locations
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