Institution Statistics
| KEKAHA | | NCUA # | 2578 | | BankRate Report | View | | Year Chartered | 1938 | | Employees | 4 | | Primary Regulator | |
Assets and Liabilities | | Assets | $17.48 million | | Loans | $10.89 million | | Deposits | $13.34 million | | Equity Capital | $3.93 million | | Loan Loss Allowance | $78,000 | | Unbacked Noncurrent Loans | $53,000 |
Historic Data - March 2012 | | Assets | $18.46 million | | Equity Capital | $3.94 million | | Loan Loss Allowance | $64,000 | | Unbacked Noncurrent Loans | $37,000 |
Profit Margin - Quarterly | | Net Interest Margin | 1.07% | | Return on Assets | 0.76% | | Return on Equity | 3.36% | | Interest Income | $138,000 | | Non-Interest Income | $46,000 |
|
|
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 March 31, 2013 Kekaha Credit Union had $53,000 in non-current loans and owned real-estate with $4.01 million in equity and loan loss allowances on hand to cover it. This gives Kekaha Credit Union a Texas Ratio of 1.32% 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 Kekaha Credit Union held steady from 0.93% as of March 31, 2012 to 1.32% as of March 31, 2013, resulting in a negative change of 42.99%. This indicates that the balance sheet and financial strength for Kekaha Credit Union has held steady in recent periods. | | Deposit Growth |  | | In the past year, Kekaha Credit Union has decreased its total deposits by $-698,000, resulting in -4.97% 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 below average. | | 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. Kekaha Credit Union has $17.48 million in assets with $4.01 million in equity, resulting in a capitalization level of 22.92%, which is excellent. |
|