Kunia Credit Union

Kunia Credit Union is headquartered in WAIPAHU and is the 61^st largest credit union in the state of Hawaii. It is also the 4,108^th 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 Report View Year Chartered 1940 Employees 4 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 Margin 7.49% 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 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, 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 Trend 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 Growth 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. 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. 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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