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Overview / Commentary
808-235-3244
3675 Kilauea Ave
Honolulu, HI 96816

Leahi Credit Union is headquartered in HONOLULU and is the 76th largest credit union in the state of Hawaii. It is also the 5,942nd largest credit union in the nation. It was established in 1956 and as of December of 2013, it had grown to 608 members. Leahi Credit Union has a D health rating.

Field of Membership Restrictions

Must be a State Department of Health or UH worker employed within the greater "Leahi Complex". - See Details

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Health

Data for Q4 2013

Institution Health

D
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Leahi Credit Union has a very low asset base.

Texas Ratio

GRADE:
C

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 Leahi Credit Union had $69,000 in non-current loans and owned real-estate with $211,000 in equity and loan loss allowances on hand to cover it. This gives Leahi Credit Union a Texas Ratio of 32.70% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for Leahi Credit Union increased slightly from 21.57% as of December 31, 2012 to 32.70% as of December 31, 2013, resulting in a negative change of 51.62%. This indicates that the balance sheet and financial strength for Leahi Credit Union has declined slightly in recent periods.

Deposit Growth

GRADE:
F

In the past year, Leahi Credit Union has decreased its total deposits by $-596,000, resulting in -24.08% 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

GRADE:
B+

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 $2.02 million in assets with $211,000 in equity, resulting in a capitalization level of 10.42%, which is above average.

Institution Statistics

Overall
NCUA #11332
Year Chartered1956
Employees0
Primary Regulator
Assets and Liabilities
Assets$2.03 million
Loans$1.64 million
Deposits$1.88 million
Equity Capital$143,000
Loan Loss Allowance$68,000
Unbacked Noncurrent Loans$69,000
Real Estate Owned$0
Historic Data - December 2012
Assets$2.67 million
Equity Capital$167,000
Loan Loss Allowance$88,000
Unbacked Noncurrent Loans$69,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin6.78%
Return on Assets0.44%
Return on Equity6.29%
Interest Income$120,000
Rates
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Leahi Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.00%$100-Share Savings Account
0.00%--Christmas Club Account

Leahi Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.00%--Share Draft Checking Account

Leahi Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.35%$2,500-12 Month CD
0.25%$2,500-6 Month CD
Locations


Leahi Credit Union Locations
Branch Office22 Inverness Center PkwyBirmingham, AL 35242-4814
Branch Office3675 KILAUEA AVEHONOLULU, HI 96816-2333