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808-245-2463
P.O. Box 711
Lihue, HI 96766

Kauai Government Employees Credit Union is headquartered in Lihue and is the 17st largest credit union in the state of Hawaii. It is also the 1,475th largest credit union in the nation. It was established in 1947 and as of December of 2013, it had grown to 16 employees and 7,092 members. Kauai Government Employees Credit Union's savings rates are 2X the national average, and it has a B health rating.

Field of Membership Restrictions

Must be an employee of the State of Hawaii working on Kaua'i or be an employee of the Department of Education or a public school teacher. Also open to employees of the county of Kaua'i and the employees of the Federal Government working on Kaua'i. - See Details

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Health

Data for Q4 2013

Institution Health

B

Texas Ratio

GRADE:
B

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 Kauai Government Employees Credit Union had $2 million in non-current loans and owned real-estate with $10.1 million in equity and loan loss allowances on hand to cover it. This gives Kauai Government Employees Credit Union a Texas Ratio of 19.79% which is above average. 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 Government Employees Credit Union increased slightly from 12.79% as of December 31, 2012 to 19.79% as of December 31, 2013, resulting in a negative change of 54.71%. This indicates that the balance sheet and financial strength for Kauai Government Employees Credit Union has declined slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Kauai Government Employees Credit Union has increased its total deposits by $7.56 million, resulting in 9.25% 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 Government Employees 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 Government Employees Credit Union has $101.3 million in assets with $10.1 million in equity, resulting in a capitalization level of 9.97%, which is above average.

Institution Statistics

Overall
NCUA #5487
Year Chartered1947
Employees16
Primary Regulator
Assets and Liabilities
Assets$101.30 million
Loans$79.70 million
Deposits$89.36 million
Equity Capital$8.63 million
Loan Loss Allowance$1.48 million
Unbacked Noncurrent Loans$2.00 million
Real Estate Owned$0
Historic Data - December 2012
Assets$90.34 million
Equity Capital$8.69 million
Loan Loss Allowance$997,000
Unbacked Noncurrent Loans$2.00 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.74%
Return on Assets1.26%
Return on Equity14.75%
Interest Income$5.27 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Kauai Government Employees Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Kauai Government Employees Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
1.26%--IRA Share
1.26%$25-Roth IRA Share
1.26%--Education IRA Share
0.30%$100-Regular Share
0.30%--Secondary Share
0.25%--Christmas Club

Kauai Government Employees Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%$1k-Money Market

Kauai Government Employees Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.25%--Share Draft (Checking)

Kauai Government Employees Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
2.78%$1k-72 Month CD
2.52%$1k-60 Month CD
2.27%$1k-48 Month CD
2.02%$1k-36 Month CD
1.76%$1k-24 Month CD
1.66%$1k-18 Month CD
1.56%$1k-12 Month CD

Kauai Government Employees Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
2.78%$1k-72 Month IRA
2.78%$1k-72 Month Roth IRA
2.27%$1k-48 Month IRA
2.27%$1k-48 Month Roth IRA
2.25%$1k-60 Month IRA
2.25%$1k-60 Month Roth IRA
2.02%$1k-36 Month IRA
2.02%$1k-36 Month Roth IRA
1.76%$1k-24 Month IRA
1.76%$1k-24 Month Roth IRA
1.66%$1k-18 Month IRA
1.66%$1k-18 Month Roth IRA
1.56%$1k-12 Month IRA
1.56%$1k-12 Month Roth IRA
1.56%$1k-12 Month Coverdale IRA
Locations


Kauai Government Employees Credit Union Locations
Branch Office2976 Ewalu StLihue, HI 96766