Local Union 1186 Ibew Credit Union

Local Union 1186 Ibew Credit Union is headquartered in HONOLULU and is the 60^th largest credit union in the state of Hawaii. It is also the 4,168^th largest credit union in the nation. It was established in 1956 and as of March of 2013, it had grown to 1 employees and 1,167 members. Local Union 1186 Ibew Credit Union has a 5-star health rating.

Data for Q1 2013

Institution Statistics LOCAL UNION 1186 IBEW NCUA # 10882 BankRate Report View Year Chartered 1956 Employees 1 Primary Regulator Assets and Liabilities Assets $13.40 million Loans $2.20 million Deposits $11.47 million Equity Capital $1.91 million Loan Loss Allowance $18,000 Unbacked Noncurrent Loans $23,000 Historic Data - March 2012 Assets $12.73 million Equity Capital $1.94 million Loan Loss Allowance $33,000 Unbacked Noncurrent Loans $23,000 Profit Margin - Quarterly Net Interest Margin 1.11% Return on Assets -0.09% Return on Equity -0.63% Interest Income $62,000

Institution Health Overall Score: 5 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 March 31, 2013 Local Union 1186 Ibew Credit Union had $23,000 in non-current loans and owned real-estate with $1.92 million in equity and loan loss allowances on hand to cover it. This gives Local Union 1186 Ibew Credit Union a Texas Ratio of 1.20% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Local Union 1186 Ibew Credit Union held steady from 1.17% as of March 31, 2012 to 1.20% as of March 31, 2013, resulting in a negative change of 2.44%. This indicates that the balance sheet and financial strength for Local Union 1186 Ibew Credit Union has held steady in recent periods. Deposit Growth In the past year, Local Union 1186 Ibew Credit Union has increased its total deposits by $687,000, resulting in 6.37% 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 Local Union 1186 Ibew Credit Union has shown is excellent. 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. Local Union 1186 Ibew Credit Union has $13.4 million in assets with $1.92 million in equity, resulting in a capitalization level of 14.36%, which is excellent.

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