Institution Statistics
| KAMEHAMEHA | | NCUA # | 11553 | | BankRate Report | View | | Year Chartered | 1957 | | Employees | 5 | | Primary Regulator | |
Assets and Liabilities | | Assets | $39.92 million | | Loans | $14.81 million | | Deposits | $35.07 million | | Equity Capital | $4.73 million | | Loan Loss Allowance | $50,000 | | Unbacked Noncurrent Loans | $44,000 |
Historic Data - December 2010 | | Assets | $39.06 million | | Equity Capital | $4.71 million | | Loan Loss Allowance | $99,000 | | Unbacked Noncurrent Loans | $154,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.83% | | Return on Assets | 0.03% | | Return on Equity | 0.25% | | Interest Income | $1.12 million | | Non-Interest Income | $78,000 |
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Institution Health
Overall Score:
5 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 December 31, 2011 Kamehameha Credit Union had $44,000 in non-current loans and owned real-estate with $4.78 million in equity and loan loss allowances on hand to cover it. This gives Kamehameha Credit Union a Texas Ratio of 0.92% 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 Kamehameha Credit Union decreased significantly from 3.20% as of December 31, 2010 to 0.92% as of December 31, 2011, resulting in a positive change of 71.21%.This indicates that the balance sheet and financial strength for Kamehameha Credit Union has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, Kamehameha Credit Union has increased its total deposits by $764,000, resulting in 2.23% 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 above 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. Kamehameha Credit Union has $39.92 million in assets with $4.78 million in equity, resulting in a capitalization level of 11.97%, which is above average. |
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