Kahuku Credit Union

Kahuku Credit Union is headquartered in Kahuku and is the 70^th largest credit union in the state of Hawaii. It is also the 5,542^nd largest credit union in the nation. It was established in 1937 and as of March of 2013, it had grown to 1 employees and 1,563 members. Kahuku Credit Union's savings rates are 44% higher than the national average, but it has a 2-star health rating.

Kahuku Credit Union Savings Account Rates

Kahuku Credit Union CD Rates

Data for Q1 2013

Institution Statistics KAHUKU NCUA # 2275 BankRate Report View Year Chartered 1937 Employees 1 Primary Regulator Assets and Liabilities Assets $4.39 million Loans $3.64 million Deposits $4.01 million Equity Capital $361,000 Loan Loss Allowance $106,000 Unbacked Noncurrent Loans $430,000 Historic Data - March 2012 Assets $4.40 million Equity Capital $331,000 Loan Loss Allowance $44,000 Unbacked Noncurrent Loans $446,000 Profit Margin - Quarterly Net Interest Margin 2.06% Return on Assets 0.46% Return on Equity 5.54% Interest Income $85,000 Non-Interest Income $14,000

Institution Health Overall Score: 2 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 March 31, 2013 Kahuku Credit Union had $430,000 in non-current loans and owned real-estate with $467,000 in equity and loan loss allowances on hand to cover it. This gives Kahuku Credit Union a Texas Ratio of 92.08% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Kahuku Credit Union decreased slightly from 118.93% as of March 31, 2012 to 92.08% as of March 31, 2013, resulting in a positive change of 22.58%.This indicates that the balance sheet and financial strength for Kahuku Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Kahuku Credit Union has decreased its total deposits by $-36,000, resulting in -0.89% 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 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. Kahuku Credit Union has $4.39 million in assets with $467,000 in equity, resulting in a capitalization level of 10.63%, which is above average.

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