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808-245-3753
2969 Umi Street
Lihue, HI 96766

Kauai Teachers Credit Union is headquartered in Lihue and is the 45th largest credit union in the state of Hawaii. It is also the 2,863rd largest credit union in the nation. It was established in 1938 and as of December of 2013, it had grown to 5 employees and 2,243 members. Kauai Teachers Credit Union has a C+ health rating.

Field of Membership Restrictions

Must be a teacher, employee or retiree of Kauai County School. - See Details

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Health

Data for Q4 2013

Institution Health

C+
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

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 Teachers Credit Union had $351,000 in non-current loans and owned real-estate with $2.18 million in equity and loan loss allowances on hand to cover it. This gives Kauai Teachers Credit Union a Texas Ratio of 16.09% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Kauai Teachers Credit Union decreased dramatically from 30.70% as of December 31, 2012 to 16.09% as of December 31, 2013, resulting in a positive change of 47.61%.This indicates that the balance sheet and financial strength for Kauai Teachers Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
C-

In the past year, Kauai Teachers Credit Union has decreased its total deposits by -$1.38 million, resulting in -4.5% 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.

Capitalization

GRADE:
C-

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 $31.51 million in assets with $2.18 million in equity, resulting in a capitalization level of 6.92%, which is below average.

Institution Statistics

Overall
NCUA #2577
Year Chartered1938
Employees5
Primary Regulator
Assets and Liabilities
Assets$31.51 million
Loans$8.55 million
Deposits$29.30 million
Equity Capital$2.05 million
Loan Loss Allowance$134,000
Unbacked Noncurrent Loans$351,000
Real Estate Owned$0
Historic Data - December 2012
Assets$33.92 million
Equity Capital$3.05 million
Loan Loss Allowance$96,000
Unbacked Noncurrent Loans$351,000
Real Estate Owned$375,000
Profit Margin - Quarterly
Net Interest Margin4.55%
Return on Assets-0.95%
Return on Equity-14.6%
Interest Income$739,000
Rates
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Kauai Teachers Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
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

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

Kauai Teachers Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
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

DetailsAPYMINMAXPRODUCT
0.15%$1k-3 Years IRA (Traditional,Roth,CESA)
0.10%$1k-1 Year IRA (Traditional,Roth,CESA)
0.05%$500-6 Month IRA (Traditional,Roth,CESA)
Locations


Kauai Teachers Credit Union Locations
Branch Office2969 Umi StLihue, HI 96766-1345
Branch Office2601 Network Blvd Ste 600Frisco, TX 75034-1919
Branch Office2976 Ewalu StLihue, HI 96766-1351