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Overview / Commentary
808-687-6280
1703 Liliha St
Honolulu, HI 96817

Kuakini Medical And Dental Credit Union is headquartered in Honolulu and is the 33rd largest credit union in the state of Hawaii. It is also the 2,414st largest credit union in the nation. It was established in 1957 and as of December of 2013, it had grown to 3 employees and 2,733 members. Kuakini Medical And Dental Credit Union's savings rates are 15% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

You can become a member of Kuakini Medical and Dental Federal Credit Union if you work for any of the following companies: ** Kuakini Health System or any subsidiary ** Hawaii Dental Service ** Hawaii Dental Association ** Fresenius Medical Care ** Aloha Dental Laboratory ** Pacific Radiopharmacy ** Any dentist who is a member of the Hawaii Dental Association ** Any doctor or dentist who works at the Kuakini Plaza or Physician's Tower ** Any doctor who works regularly at Kuakini Medical Center -- If you are a Hawaii Dental Service member. -- If you are a Hawaii State Chiropractic Association member. -- If you are a Kuakini Auxiliary with 100 hours or more of Kuakini Health System volunteer service. -- If you are a parent, child, sibling, grandparent or grandchild of anyone who qualifies above. Sorry, in-laws not included. -- If you live in the same home as anyone above. - 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. Kuakini Medical And Dental 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 Kuakini Medical And Dental Credit Union had $22,000 in non-current loans and owned real-estate with $4.96 million in equity and loan loss allowances on hand to cover it. This gives Kuakini Medical And Dental Credit Union a Texas Ratio of 0.44% 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 Kuakini Medical And Dental Credit Union experienced no significant changes from 0.29% as of December 31, 2012 to 0.44% as of December 31, 2013, resulting in a negative change of 51.40%. This indicates that the balance sheet and financial strength for Kuakini Medical And Dental Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A

In the past year, Kuakini Medical And Dental Credit Union has increased its total deposits by $1.86 million, resulting in 4.93% 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 Kuakini Medical And Dental 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. Kuakini Medical And Dental Credit Union has $44.55 million in assets with $4.96 million in equity, resulting in a capitalization level of 11.12%, which is excellent.

Institution Statistics

Overall
NCUA #11494
Year Chartered1957
Employees3
Primary Regulator
Assets and Liabilities
Assets$44.55 million
Loans$8.00 million
Deposits$39.57 million
Equity Capital$4.92 million
Loan Loss Allowance$32,000
Unbacked Noncurrent Loans$22,000
Real Estate Owned$0
Historic Data - December 2012
Assets$42.51 million
Equity Capital$4.75 million
Loan Loss Allowance$24,000
Unbacked Noncurrent Loans$22,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.85%
Return on Assets0.39%
Return on Equity3.51%
Interest Income$978,000
Rates
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Kuakini Medical And Dental Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.60%-$10kHoliday Club
0.50%$100-Share (Savings)

Kuakini Medical And Dental Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.90%$5k-3 Year Share Certificate
0.70%$5k-1 Year Share Certificate
Locations


Kuakini Medical And Dental Credit Union Locations
Branch Office1703 Liliha StHonolulu, HI 96817