P O Box 970940
Waipahu, HI 96797



Kunia Credit Union is headquartered in WAIPAHU and is the 61st largest credit union in the state of Hawaii. It is also the 4,108th largest credit union in the nation. It was established in 1940 and as of December of 2011, it had grown to 4 employees and 2,138 members. Kunia Credit Union has a 1-star health rating.


Data for Q4 2011


Institution Statistics


KUNIA
NCUA #3644
BankRate ReportView
Year Chartered1940
Employees4
Primary Regulator

Assets and Liabilities

Assets$13.87 million
Loans$11.39 million
Deposits$13.79 million
Equity Capital$57,000
Loan Loss Allowance$813,000
Unbacked Noncurrent Loans$2.06 million

Historic Data - December 2010

Assets$18.20 million
Equity Capital$986,000
Loan Loss Allowance$669,000
Unbacked Noncurrent Loans$1.79 million

Profit Margin - Quarterly

Net Interest Margin7.49%
Return on Assets-6.69%
Return on Equity-1,628.07%
Interest Income$1.16 million
Non-Interest Income$91,000

Institution Health


Overall Score:
1 out of 5
1
Texas Ratio1
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, 2011 Kunia Credit Union had $2.06 million in non-current loans and owned real-estate with $870,000 in equity and loan loss allowances on hand to cover it. This gives Kunia Credit Union a Texas Ratio of 236.90% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend2
The Texas Ratio for Kunia Credit Union increased slightly from 107.98% as of December 31, 2010 to 236.90% as of December 31, 2011, resulting in a negative change of 119.40%. This indicates that the balance sheet and financial strength for Kunia Credit Union has declined slightly in recent periods.
Deposit Growth1
In the past year, Kunia Credit Union has decreased its total deposits by -$3.39 million, resulting in -19.74% 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 Kunia Credit Union has shown is poor.
Capitalization2
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. Kunia Credit Union has $13.87 million in assets with $870,000 in equity, resulting in a capitalization level of 6.27%, which is below average.
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