Leahi Credit Union

Leahi Credit Union is headquartered in HONOLULU and is the 76^th largest credit union in the state of Hawaii. It is also the 5,961^st largest credit union in the nation. It was established in 1956 and as of December of 2012, it had grown to 1 employees and 652 members. Leahi Credit Union has a 3-star health rating.

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Leahi Credit Union CD Rates

Data for Q4 2012

Institution Statistics LEAHI NCUA # 11332 BankRate Report View Year Chartered 1956 Employees 1 Primary Regulator Assets and Liabilities Assets $2.67 million Loans $1.22 million Deposits $2.48 million Equity Capital $167,000 Loan Loss Allowance $88,000 Unbacked Noncurrent Loans $55,000 Historic Data - December 2011 Assets $3.54 million Equity Capital $356,000 Loan Loss Allowance $26,000 Unbacked Noncurrent Loans $93,000 Profit Margin - Quarterly Net Interest Margin 9.14% Return on Assets -7.08% Return on Equity -113.17% Interest Income $125,000 Non-Interest Income ($8,000)

Institution Health Overall Score: 3 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, 2012 Leahi Credit Union had $55,000 in non-current loans and owned real-estate with $255,000 in equity and loan loss allowances on hand to cover it. This gives Leahi Credit Union a Texas Ratio of 21.57% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Leahi Credit Union held steady from 24.35% as of December 31, 2011 to 21.57% as of December 31, 2012, resulting in a positive change of 11.41%.This indicates that the balance sheet and financial strength for Leahi Credit Union has held steady in recent periods. Deposit Growth In the past year, Leahi Credit Union has decreased its total deposits by $-695,000, resulting in -21.92% 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 Leahi 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. Leahi Credit Union has $2.67 million in assets with $255,000 in equity, resulting in a capitalization level of 9.55%, which is average.

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