Honolulu Fire Department Credit Union

Honolulu Fire Department Credit Union is headquartered in Honolulu and is the 24^th largest credit union in the state of Hawaii. It is also the 1,960^th largest credit union in the nation. It was established in 1937 and as of December of 2012, it had grown to 10 employees and 5,174 members. Honolulu Fire Department Credit Union's savings rates are 3X the national average, and it boasts a 5-star health rating.

Honolulu Fire Department Credit Union Checking Account Rates

Honolulu Fire Department Credit Union Savings Account Rates

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Honolulu Fire Department Credit Union IRA Rates

Data for Q4 2012

Institution Statistics HONOLULU FIRE DEPARTMENT NCUA # 1880 BankRate Report View Year Chartered 1937 Employees 10 Primary Regulator Assets and Liabilities Assets $64.30 million Loans $15.28 million Deposits $56.97 million Equity Capital $6.66 million Loan Loss Allowance $393,000 Unbacked Noncurrent Loans $94,000 Historic Data - December 2011 Assets $62.63 million Equity Capital $6.59 million Loan Loss Allowance $269,000 Unbacked Noncurrent Loans $21,000 Profit Margin - Quarterly Net Interest Margin 6.99% Return on Assets 0.11% Return on Equity 1.07% Interest Income $1.77 million Non-Interest Income $301,000

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, 2012 Honolulu Fire Department Credit Union had $94,000 in non-current loans and owned real-estate with $7.05 million in equity and loan loss allowances on hand to cover it. This gives Honolulu Fire Department Credit Union a Texas Ratio of 1.33% 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 Honolulu Fire Department Credit Union held steady from 0.31% as of December 31, 2011 to 1.33% as of December 31, 2012, resulting in a negative change of 335.12%. This indicates that the balance sheet and financial strength for Honolulu Fire Department Credit Union has held steady in recent periods. Deposit Growth In the past year, Honolulu Fire Department Credit Union has increased its total deposits by $1.49 million, resulting in 2.69% 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 Honolulu Fire Department 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. Honolulu Fire Department Credit Union has $64.3 million in assets with $7.05 million in equity, resulting in a capitalization level of 10.97%, which is above average.

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