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2969 Umi Street
Lihue, HI 96766

Kauai Teachers Credit Union is headquartered in Lihue and is the 44th largest credit union in the state of Hawaii. It is also the 2,917st largest credit union in the nation. It was established in 1938 and as of March of 2014, it had grown to 4 employees and 2,443 members. Kauai Teachers Credit Union has a C+ health rating.

Field of Membership Restrictions

1. Teachers and employees of County of Kauai Schools and their immediate family members 2. Immediate family members are those by blood or by marriage, such as brothers, sisters, children, aunts, uncles, grandparents, cousins, in laws, foster/adopted children 3. Retired pensioners from employment of Kauai County Schools and their immediate families 4. Full time registered students of Kauai County High and Intermediate Schools and their parents 5. Surviving spouses of deceased members and their immediate family members 6. Organizations of such persons 7. Employees of this credit union and their immediate family members - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Kauai Teachers Credit Union has a low asset base.

Texas Ratio


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 Teachers Credit Union had $321,000 in non-current loans and owned real-estate with $2.3 million in equity and loan loss allowances on hand to cover it. This gives Kauai Teachers Credit Union a Texas Ratio of 13.94% 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 Teachers Credit Union decreased dramatically from 41.50% as of March 31, 2013 to 13.94% as of March 31, 2014, resulting in a positive change of 66.41%.This indicates that the balance sheet and financial strength for Kauai Teachers Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Kauai Teachers Credit Union has decreased its total deposits by -$1.46 million, resulting in -4.82% 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 Teachers Credit Union has shown is below average.



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 Teachers Credit Union has $31.27 million in assets with $2.3 million in equity, resulting in a capitalization level of 7.37%, which is below average.

Institution Statistics

NCUA #2577
Year Chartered1938
Primary Regulator
Assets and Liabilities
Assets$31.27 million
Loans$7.87 million
Deposits$28.83 million
Equity Capital$2.23 million
Loan Loss Allowance$72,000
Unbacked Noncurrent Loans$321,000
Real Estate Owned$0
Historic Data - March 2013
Assets$33.35 million
Equity Capital$2.90 million
Loan Loss Allowance$97,000
Unbacked Noncurrent Loans$321,000
Real Estate Owned$375,000
Profit Margin - Quarterly
Net Interest Margin1.16%
Return on Assets1.04%
Return on Equity14.52%
Interest Income$163,000
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Kauai Teachers Credit Union Savings Account Rates

0.05%--Christmas Account
0.03%--Roth IRA Savings Account
0.03%--CESA Account
0.03%--IRA Savings Account
0.02%$100-Regular Share Account

Kauai Teachers Credit Union Checking Account Rates

0.02%$2k-Share Draft Account
0.02%$2k-Super Share Draft Account

Kauai Teachers Credit Union CD Rates

0.10%$10k-12 Month CD
0.05%$100k-30 Days Jumbo CD
0.03%$500-6 Month CD

Kauai Teachers Credit Union IRA Rates

0.15%$1k-3 Years IRA
0.10%$1k-1 Year IRA
0.05%$500-6 Month IRA

Kauai Teachers Credit Union Locations
Branch Office2969 Umi StLihue, HI 96766-1345
Branch Office2976 Ewalu StLihue, HI 96766-1351