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Overview / Commentary
800-954-4405
1600 Kapiolani Blvd Ste 110
Honolulu, HI 96814

Hotel And Travel Industry Credit Union is headquartered in Honolulu and is the 43rd largest credit union in the state of Hawaii. It is also the 2,882nd largest credit union in the nation. It was established in 1954 and as of March of 2014, it had grown to 11 employees and 5,002 members. Hotel And Travel Industry Credit Union's CD rates are 2X the national average, and it has a B health rating.

Field of Membership Restrictions

Must be a hotel employee in the State of Hawaii. - See Details

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Health

Data for Q1 2014

Institution Health

B
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Hotel And Travel Industry Credit Union has a low asset base.

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 Hotel And Travel Industry Credit Union had $80,000 in non-current loans and owned real-estate with $2.74 million in equity and loan loss allowances on hand to cover it. This gives Hotel And Travel Industry Credit Union a Texas Ratio of 2.92% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Hotel And Travel Industry Credit Union experienced no significant changes from 0.45% as of March 31, 2013 to 2.92% as of March 31, 2014, resulting in a negative change of 553.10%. This indicates that the balance sheet and financial strength for Hotel And Travel Industry Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
C+

In the past year, Hotel And Travel Industry Credit Union has decreased its total deposits by $-113,000, resulting in -0.38% 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 Hotel And Travel Industry Credit Union has shown is average.

Capitalization

GRADE:
C

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. Hotel And Travel Industry Credit Union has $32.15 million in assets with $2.74 million in equity, resulting in a capitalization level of 8.53%, which is average.

Institution Statistics

Overall
NCUA #9115
Year Chartered1954
Employees11
Primary Regulator
Assets and Liabilities
Assets$32.15 million
Loans$13.70 million
Deposits$29.45 million
Equity Capital$2.65 million
Loan Loss Allowance$88,000
Unbacked Noncurrent Loans$80,000
Real Estate Owned$0
Historic Data - March 2013
Assets$33.99 million
Equity Capital$2.84 million
Loan Loss Allowance$69,000
Unbacked Noncurrent Loans$80,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.18%
Return on Assets-0.41%
Return on Equity-4.98%
Interest Income$236,000
Rates
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Hotel And Travel Industry Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.30%--Christmas Shares
0.30%--Vacation Club
0.25%$50-IRA Passbook Shares
0.25%$50-Roth IRA Shares
0.25%$50-Education IRA Shares
0.15%--Daily Shares
0.15%--Keiki Shares
0.15%--2nd Daily Shares

Hotel And Travel Industry Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$300-Share Draft Account

Hotel And Travel Industry Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
2.00%$1k-1 - 5 Year Credit Builder CD
1.00%$2,500-5 Year CD
0.65%$2,500-4 Year CD
0.55%$2,500-3 Year CD
0.40%$2,500-2 Year CD
0.30%$2,500-1 Year CD

Hotel And Travel Industry Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.00%$1k-5 Year IRA
0.65%$1k-4 Year IRA
0.55%$1k-3 Year IRA
0.40%$1k-2 Year IRA
0.30%$1k-1 Year IRA
Locations


Hotel And Travel Industry Credit Union Locations
Branch Office1600 Kapiolani Blvd Ste 110Honolulu, HI 96814-3802