Kauai Community Credit Union

Kauai Community Credit Union is headquartered in Lihue and is the 10^st largest credit union in the state of Hawaii. It is also the 614^st largest credit union in the nation. It was established in 1954 and as of December of 2012, it had grown to 65 employees and 32,130 members. Kauai Community Credit Union's money market rates are 59% higher than the national average, and it boasts a 5-star health rating.

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Kauai Community Credit Union Money Market Rates

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Kauai Community Credit Union IRA Rates

Data for Q4 2012

Institution Statistics KAUAI COMMUNITY NCUA # 9381 BankRate Report View Year Chartered 1954 Employees 65 Primary Regulator Assets and Liabilities Assets $332.47 million Loans $163.27 million Deposits $299.42 million Equity Capital $30.33 million Loan Loss Allowance $3.82 million Unbacked Noncurrent Loans $2.61 million Historic Data - December 2011 Assets $315.22 million Equity Capital $26.04 million Loan Loss Allowance $5.51 million Unbacked Noncurrent Loans $3.09 million Real Estate Owned $349,000 Profit Margin - Quarterly Net Interest Margin 5.76% Return on Assets 1.27% Return on Equity 13.96% Interest Income $12.08 million Non-Interest Income $2.72 million

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, 2012 Kauai Community Credit Union had $2.61 million in non-current loans and owned real-estate with $34.15 million in equity and loan loss allowances on hand to cover it. This gives Kauai Community Credit Union a Texas Ratio of 7.64% 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 Kauai Community Credit Union decreased slightly from 10.90% as of December 31, 2011 to 7.64% as of December 31, 2012, resulting in a positive change of 29.90%.This indicates that the balance sheet and financial strength for Kauai Community Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Kauai Community Credit Union has increased its total deposits by $12.99 million, resulting in 4.54% 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 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. Kauai Community Credit Union has $332.46 million in assets with $34.15 million in equity, resulting in a capitalization level of 10.27%, which is above average.

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