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Overview / Commentary
25 West Kamehameha Avenue
Kahului, HI 96732

Kahului Credit Union is headquartered in Kahului and is the 28th largest credit union in the state of Hawaii. It is also the 2,131st largest credit union in the nation. It was established in 1955 and as of December of 2013, it had grown to 13 employees and 4,886 members. Kahului Credit Union has a A health rating.

Field of Membership Restrictions

Must live, work or worship in Kahului, Paia, Kuau or Sprecklesville. - See Details

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Data for Q4 2013

Institution Health

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

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, 2013 Kahului Credit Union had $215,000 in non-current loans and owned real-estate with $8.81 million in equity and loan loss allowances on hand to cover it. This gives Kahului Credit Union a Texas Ratio of 2.44% 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 Kahului Credit Union experienced no significant changes from 0.95% as of December 31, 2012 to 2.44% as of December 31, 2013, resulting in a negative change of 158.13%. This indicates that the balance sheet and financial strength for Kahului Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Kahului Credit Union has increased its total deposits by $1.73 million, resulting in 3.75% 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 Kahului Credit Union has shown is excellent.



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. Kahului Credit Union has $56.61 million in assets with $8.81 million in equity, resulting in a capitalization level of 15.57%, which is excellent.

Institution Statistics

NCUA #10399
Year Chartered1955
Primary Regulator
Assets and Liabilities
Assets$56.61 million
Loans$23.56 million
Deposits$47.77 million
Equity Capital$8.60 million
Loan Loss Allowance$209,000
Unbacked Noncurrent Loans$215,000
Real Estate Owned$0
Historic Data - December 2012
Assets$54.85 million
Equity Capital$8.59 million
Loan Loss Allowance$299,000
Unbacked Noncurrent Loans$215,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.68%
Return on Assets0.03%
Return on Equity0.17%
Interest Income$1.52 million
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Kahului Credit Union Savings Account Rates

0.20%--Christmas Share Account
0.15%$50-Regular Share Account

Kahului Credit Union Checking Account Rates

0.05%$20-Share Draft Account

Kahului Credit Union CD Rates

1.00%$1k-5 Year Share Certificate
0.75%$1k-3 Year Share Certificate
0.65%$1k-2 Year Share Certificate
0.45%$1k-1 Year Share Certificate
0.30%$1k-6 Month Share Certificate

Kahului Credit Union Locations
Branch Office25 W Kamehameha AveKahului, HI 96732-2240