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Overview / Commentary
808-337-1433
P.O. Box 609
Kekaha, HI 96752

Kekaha Credit Union is headquartered in Kekaha and is the 54th largest credit union in the state of Hawaii. It is also the 3,564th largest credit union in the nation. It was established in 1938 and as of December of 2013, it had grown to 4 employees and 2,048 members. Kekaha Credit Union's savings rates are 35% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must be an employee of the Kekaha Sugar Company, Ltd. - See Details

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Health

Data for Q4 2013

Institution Health

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

Texas Ratio

GRADE:
A+

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 Kekaha Credit Union had $124,000 in non-current loans and owned real-estate with $4.47 million in equity and loan loss allowances on hand to cover it. This gives Kekaha Credit Union a Texas Ratio of 2.77% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Kekaha Credit Union experienced no significant changes from 1.81% as of December 31, 2012 to 2.77% as of December 31, 2013, resulting in a negative change of 53.51%. This indicates that the balance sheet and financial strength for Kekaha Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Kekaha Credit Union has increased its total deposits by $1.05 million, resulting in 7.77% 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 Kekaha Credit Union has shown is excellent.

Capitalization

GRADE:
A+

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. Kekaha Credit Union has $19.35 million in assets with $4.47 million in equity, resulting in a capitalization level of 23.12%, which is excellent.

Institution Statistics

Overall
NCUA #2578
Year Chartered1938
Employees4
Primary Regulator
Assets and Liabilities
Assets$19.35 million
Loans$10.50 million
Deposits$14.58 million
Equity Capital$4.39 million
Loan Loss Allowance$83,000
Unbacked Noncurrent Loans$124,000
Real Estate Owned$0
Historic Data - December 2012
Assets$17.61 million
Equity Capital$3.90 million
Loan Loss Allowance$92,000
Unbacked Noncurrent Loans$124,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.31%
Return on Assets0.27%
Return on Equity1.21%
Interest Income$540,000
Rates
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Kekaha Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.70%--Christmas Club Account
0.60%$50k-Savings Account

Kekaha Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.90%$500-2 Year Term Certificate
0.70%$500-1 Year Term Certificate

Kekaha Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
0.70%$500-1 Year IRA
Locations


Kekaha Credit Union Locations
Branch Office8254 Kekaha RdKekaha, HI 96752