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Overview / Commentary
25 W Kamehameha Ave
Kahului, HI 96732-2240

Kahului Credit Union is headquartered in Kahului and is the 28th largest credit union in the state of Hawaii. It is also the 2,163rd largest credit union in the nation. It was established in 1955 and as of March of 2014, it had grown to 13 employees and 4,918 members. Kahului Credit Union has a B+ 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 Q1 2014

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 capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Kahului Credit Union had $188,000 in non-current loans and owned real-estate with $8.78 million in equity and loan loss allowances on hand to cover it. This gives Kahului Credit Union a Texas Ratio of 2.14% 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 0.59% as of March 31, 2013 to 2.14% as of March 31, 2014, resulting in a negative change of 263.51%. 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 $886,000, resulting in 1.88% 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 above average.



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 $56.98 million in assets with $8.78 million in equity, resulting in a capitalization level of 15.42%, which is excellent.

Institution Statistics

NCUA #10399
Year Chartered1955
Primary Regulator
Assets and Liabilities
Assets$56.98 million
Loans$23.07 million
Deposits$48.13 million
Equity Capital$8.60 million
Loan Loss Allowance$190,000
Unbacked Noncurrent Loans$188,000
Real Estate Owned$0
Historic Data - March 2013
Assets$56.10 million
Equity Capital$8.58 million
Loan Loss Allowance$250,000
Unbacked Noncurrent Loans$188,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets-0.05%
Return on Equity-0.33%
Interest Income$368,000
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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