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Overview / Commentary
808-293-9063
56-576 Kamehameha Hwy
Kahuku, HI 96731-2211

Kahuku Credit Union is headquartered in Kahuku and is the 67th largest credit union in the state of Hawaii. It is also the 5,352nd largest credit union in the nation. It was established in 1937 and as of March of 2014, it had grown to 1 employees and 1,326 members. Kahuku Credit Union's savings rates are 44% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Must live or work in the Koolauloa District (includes the towns of Pupukea, Sunset Beach, Kahuku, Laie, Hauula, Punaluu and Kaaawa). - See Details

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Health

Data for Q1 2014

Institution Health

C+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Kahuku Credit Union has a very low asset base.

Texas Ratio

GRADE:
C

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 Kahuku Credit Union had $253,000 in non-current loans and owned real-estate with $578,000 in equity and loan loss allowances on hand to cover it. This gives Kahuku Credit Union a Texas Ratio of 43.77% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Kahuku Credit Union decreased dramatically from 92.08% as of March 31, 2013 to 43.77% as of March 31, 2014, resulting in a positive change of 52.46%.This indicates that the balance sheet and financial strength for Kahuku Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
A

In the past year, Kahuku Credit Union has increased its total deposits by $136,000, resulting in 3.39% 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 Kahuku Credit Union has shown is excellent.

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. Kahuku Credit Union has $4.62 million in assets with $578,000 in equity, resulting in a capitalization level of 12.50%, which is excellent.

Institution Statistics

Overall
NCUA #2275
Year Chartered1937
Employees1
Primary Regulator
Assets and Liabilities
Assets$4.62 million
Loans$4.17 million
Deposits$4.15 million
Equity Capital$454,000
Loan Loss Allowance$124,000
Unbacked Noncurrent Loans$253,000
Real Estate Owned$0
Historic Data - March 2013
Assets$4.39 million
Equity Capital$361,000
Loan Loss Allowance$106,000
Unbacked Noncurrent Loans$253,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin2.01%
Return on Assets1.12%
Return on Equity11.45%
Interest Income$95,000
Rates
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Kahuku Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.75%$100-Regular Savings Account

Kahuku Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.26%$500-1 Year CD
1.00%$500-3 Month CD
Locations


Kahuku Credit Union Locations
Branch Office56-576 Kamehameha HwyKahuku, HI 96731-2211