HFS Credit Union

HFS Credit Union is headquartered in HILO and is the 7^th largest credit union in the state of Hawaii. It is also the 460^th largest credit union in the nation. It was established in 1937 and as of December of 2011, it had grown to 109 employees and 43,582 members. HFS Credit Union's savings rates are 3X the national average, and it boasts a 5-star health rating.

HFS Credit Union Checking Account Rates

HFS Credit Union Savings Account Rates

HFS Credit Union Money Market Rates

HFS Credit Union CD Rates

Data for Q4 2011

Institution Statistics HFS NCUA # 1829 BankRate Report View Year Chartered 1937 Employees 109 Primary Regulator Assets and Liabilities Assets $426.16 million Loans $136.68 million Deposits $382.57 million Equity Capital $40.64 million Loan Loss Allowance $3.36 million Unbacked Noncurrent Loans $3.00 million Historic Data - December 2010 Assets $424.94 million Equity Capital $39.47 million Loan Loss Allowance $2.91 million Unbacked Noncurrent Loans $1.40 million Profit Margin - Quarterly Net Interest Margin 5.98% Return on Assets 0.43% Return on Equity 4.5% Interest Income $15.73 million Non-Interest Income $4.32 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, 2011 HFS Credit Union had $3 million in non-current loans and owned real-estate with $44 million in equity and loan loss allowances on hand to cover it. This gives HFS Credit Union a Texas Ratio of 6.82% 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 HFS Credit Union held steady from 3.30% as of December 31, 2010 to 6.82% as of December 31, 2011, resulting in a negative change of 106.60%. This indicates that the balance sheet and financial strength for HFS Credit Union has held steady in recent periods. Deposit Growth In the past year, HFS Credit Union has decreased its total deposits by -$1.49 million, resulting in -0.39% 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 HFS 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. HFS Credit Union has $426.16 million in assets with $44 million in equity, resulting in a capitalization level of 10.32%, which is above average.

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