Kaumakani Credit Union

Kaumakani Credit Union is headquartered in Kaumakani and is the 71^st largest credit union in the state of Hawaii. It is also the 5,741^st largest credit union in the nation. It was established in 1955 and as of December of 2012, it had grown to 2 employees and 888 members. Kaumakani Credit Union has a 5-star health rating.

Data for Q4 2012

Institution Statistics KAUMAKANI NCUA # 10070 BankRate Report View Year Chartered 1955 Employees 2 Primary Regulator Assets and Liabilities Assets $3.53 million Loans $1.18 million Deposits $2.84 million Equity Capital $587,000 Loan Loss Allowance $46,000 Unbacked Noncurrent Loans $19,000 Historic Data - December 2011 Assets $4.02 million Equity Capital $671,000 Loan Loss Allowance $47,000 Unbacked Noncurrent Loans $51,000 Profit Margin - Quarterly Net Interest Margin 6.79% Return on Assets -2.86% Return on Equity -17.21% Interest Income $126,000 Non-Interest Income $5,000

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 Kaumakani Credit Union had $19,000 in non-current loans and owned real-estate with $633,000 in equity and loan loss allowances on hand to cover it. This gives Kaumakani Credit Union a Texas Ratio of 3.00% 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 Kaumakani Credit Union decreased significantly from 7.10% as of December 31, 2011 to 3.00% as of December 31, 2012, resulting in a positive change of 57.74%.This indicates that the balance sheet and financial strength for Kaumakani Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Kaumakani Credit Union has decreased its total deposits by $-479,000, resulting in -14.44% 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 Kaumakani Credit Union has shown is poor. 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. Kaumakani Credit Union has $3.53 million in assets with $633,000 in equity, resulting in a capitalization level of 17.93%, which is excellent.

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