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Overview / Commentary
808-842-9660
1620 N School St Ste 116 Kamehameha Shopping Center
Honolulu, HI 96817

Kamehameha Credit Union is headquartered in HONOLULU and is the 36th largest credit union in the state of Hawaii. It is also the 2,591st largest credit union in the nation. It was established in 1957 and as of December of 2013, it had grown to 6 employees and 4,630 members. Kamehameha Credit Union has a B+ health rating.

Field of Membership Restrictions

Must be an employee of a Kamehameha School/Bernice Pauahi Bishop Estate who work in or is supervised from Honolulu, Hawaii. Also open to employees of Bernice P. Bishop Museum, Kamehameha Investment Corporation or Royal Hawaiian Center. - See Details

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Health

Data for Q4 2013

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. Kamehameha Credit Union has a low asset base.

Texas Ratio

GRADE:
A+

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 Kamehameha Credit Union had $134,000 in non-current loans and owned real-estate with $4.84 million in equity and loan loss allowances on hand to cover it. This gives Kamehameha Credit Union a Texas Ratio of 2.77% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Kamehameha Credit Union decreased dramatically from 11.34% as of December 31, 2012 to 2.77% as of December 31, 2013, resulting in a positive change of 75.60%.This indicates that the balance sheet and financial strength for Kamehameha Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
C+

In the past year, Kamehameha Credit Union has decreased its total deposits by $-150,000, resulting in -0.44% 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 Kamehameha Credit Union has shown is average.

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. Kamehameha Credit Union has $38.97 million in assets with $4.84 million in equity, resulting in a capitalization level of 12.43%, which is excellent.

Institution Statistics

Overall
NCUA #11553
Year Chartered1957
Employees6
Primary Regulator
Assets and Liabilities
Assets$38.97 million
Loans$11.20 million
Deposits$33.96 million
Equity Capital$4.84 million
Loan Loss Allowance$7,000
Unbacked Noncurrent Loans$134,000
Real Estate Owned$0
Historic Data - December 2012
Assets$39.42 million
Equity Capital$4.83 million
Loan Loss Allowance$125,000
Unbacked Noncurrent Loans$134,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.83%
Return on Assets0.01%
Return on Equity0.06%
Interest Income$980,000
Rates
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Kamehameha Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.55%--IRA Share Account
0.55%--Roth IRA Share Account
0.10%$100-Regular Share Account
0.10%$100-Secondary Share Savings Account
0.10%$100-Christmas Share Account
0.10%$100-Youth Savings Account
0.10%$100-Student Savings Account

Kamehameha Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.00%--Share Draft Checking Account
0.00%--Student Share Draft Checking Account

Kamehameha Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.75%$1k-36 Month Share Certificate
0.55%$1k-24 Month Share Certificate
0.40%$1k-12 Month Share Certificate
0.20%$1k-6 Month Share Certificate

Kamehameha Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
0.75%$1k-36 Month IRA Share Certificate
0.55%$1k-24 Month IRA Share Certificate
0.40%$1k-12 Month IRA Share Certificate
0.20%$1k-6 Month IRA Share Certificate
Locations


Kamehameha Credit Union Locations
Branch Office1620 N School St Ste 116 Kamehameha Shopping CenterHonolulu, HI 96817-1849