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Overview / Commentary
808-245-6791
4493 Pahee St
Lihue, HI 96766

Kauai Community Credit Union is headquartered in Lihue and is the 9th largest credit union in the state of Hawaii. It is also the 594th largest credit union in the nation. It was established in 1954 and as of March of 2014, it had grown to 67 employees and 32,033 members. Kauai Community Credit Union has a A health rating.

Field of Membership Restrictions

Must live, work, worship or attend school on the islands of Kauai or Niihau. - See Details

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Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A+

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 Kauai Community Credit Union had $2.57 million in non-current loans and owned real-estate with $36.2 million in equity and loan loss allowances on hand to cover it. This gives Kauai Community Credit Union a Texas Ratio of 7.11% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Kauai Community Credit Union experienced no significant changes from 6.63% as of March 31, 2013 to 7.11% as of March 31, 2014, resulting in a negative change of 7.18%. This indicates that the balance sheet and financial strength for Kauai Community Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Kauai Community Credit Union has increased its total deposits by $23.41 million, resulting in 7.59% 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 Kauai Community Credit Union has shown is excellent.

Capitalization

GRADE:
B

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. Kauai Community Credit Union has $368.86 million in assets with $36.2 million in equity, resulting in a capitalization level of 9.81%, which is above average.

Institution Statistics

Overall
NCUA #9381
Year Chartered1954
Employees67
Primary Regulator
Assets and Liabilities
Assets$368.86 million
Loans$185.94 million
Deposits$331.76 million
Equity Capital$33.50 million
Loan Loss Allowance$2.69 million
Unbacked Noncurrent Loans$2.57 million
Real Estate Owned$0
Historic Data - March 2013
Assets$342.29 million
Equity Capital$30.93 million
Loan Loss Allowance$3.97 million
Unbacked Noncurrent Loans$2.57 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.3%
Return on Assets1.33%
Return on Equity14.66%
Interest Income$3.14 million
Rates

Sorry, we do not have rate data for Kauai Community Credit Union

Locations


Kauai Community Credit Union Locations
Branch Office9936 Kaumualii HwyWaimea, HI 96796
Branch Office985 Kipuni WayKapaa, HI 96746
Branch Office4493 Pahee StLihue, HI 96766
Branch OfficeEleele Shopping CenterEleele, HI 96705
Branch Office4434 Hardy StLihue, HI 96766