Kauai Government Employees Credit Union

Kauai Government Employees Credit Union is headquartered in Lihue and is the 17^st largest credit union in the state of Hawaii. It is also the 1,550^th largest credit union in the nation. It was established in 1947 and as of March of 2013, it had grown to 15 employees and 6,685 members. Kauai Government Employees Credit Union's savings rates are 2X the national average, and it has a 4-star health rating.

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Data for Q1 2013

Institution Statistics KAUAI GOVERNMENT EMPLOYEES NCUA # 5487 BankRate Report View Year Chartered 1947 Employees 15 Primary Regulator Assets and Liabilities Assets $94.60 million Loans $70.18 million Deposits $86.00 million Equity Capital $8.73 million Loan Loss Allowance $1,000,000 Unbacked Noncurrent Loans $1.08 million Historic Data - March 2012 Assets $82.23 million Equity Capital $8.04 million Loan Loss Allowance $891,000 Unbacked Noncurrent Loans $941,000 Profit Margin - Quarterly Net Interest Margin 1.24% Return on Assets 0.9% Return on Equity 9.71% Interest Income $1.21 million Non-Interest Income $145,000

Institution Health Overall Score: 4 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 March 31, 2013 Kauai Government Employees Credit Union had $1.08 million in non-current loans and owned real-estate with $9.73 million in equity and loan loss allowances on hand to cover it. This gives Kauai Government Employees Credit Union a Texas Ratio of 11.08% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Kauai Government Employees Credit Union held steady from 10.54% as of March 31, 2012 to 11.08% as of March 31, 2013, resulting in a negative change of 5.15%. This indicates that the balance sheet and financial strength for Kauai Government Employees Credit Union has held steady in recent periods. Deposit Growth In the past year, Kauai Government Employees Credit Union has increased its total deposits by $12.02 million, resulting in 16.25% 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 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 $94.6 million in assets with $9.73 million in equity, resulting in a capitalization level of 10.29%, which is above average.

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