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808-244-7968
1888 Wili Pa Loop
Wailuku, HI 96793

Maui County Credit Union is headquartered in Wailuku and is the 11st largest credit union in the state of Hawaii. It is also the 798th largest credit union in the nation. It was established in 1937 and as of December of 2013, it had grown to 40 employees and 14,338 members. Maui County Credit Union has a B+ health rating.

Field of Membership Restrictions

To become a member, you must be an employee of the County of Maui, The State of Hawaii, The Federal Government or several other companies. All Employees Must Work and Reside in Maui County. Family members and employees of Select Employer Groups (SEG) are also eligible for membership. - See Details

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
B+

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 Maui County Credit Union had $5.16 million in non-current loans and owned real-estate with $35.08 million in equity and loan loss allowances on hand to cover it. This gives Maui County Credit Union a Texas Ratio of 14.71% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B

The Texas Ratio for Maui County Credit Union decreased slightly from 16.94% as of December 31, 2012 to 14.71% as of December 31, 2013, resulting in a positive change of 13.12%.This indicates that the balance sheet and financial strength for Maui County Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Maui County Credit Union has increased its total deposits by $4.07 million, resulting in 1.94% 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 Maui County Credit Union has shown is above average.

Capitalization

GRADE:
A+

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. Maui County Credit Union has $243.35 million in assets with $35.08 million in equity, resulting in a capitalization level of 14.41%, which is excellent.

Institution Statistics

Overall
NCUA #1866
Year Chartered1937
Employees40
Primary Regulator
Assets and Liabilities
Assets$243.35 million
Loans$133.56 million
Deposits$213.95 million
Equity Capital$28.56 million
Loan Loss Allowance$6.52 million
Unbacked Noncurrent Loans$5.16 million
Real Estate Owned$0
Historic Data - December 2012
Assets$237.22 million
Equity Capital$25.91 million
Loan Loss Allowance$7.43 million
Unbacked Noncurrent Loans$5.16 million
Real Estate Owned$16,000
Profit Margin - Quarterly
Net Interest Margin4.73%
Return on Assets1.05%
Return on Equity8.98%
Interest Income$8.07 million
Rates
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Maui County Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.50%--IRA-Traditional
0.50%--IRA-ROTH
0.50%--IRA-Coverdell ESA
0.20%--Regular Share
0.20%--Christmas Club

Maui County Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.50%-$25kMalama Rewards
0.10%$50-Share Draft
0.05%--Malama Rewards

Maui County Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.00%$1k-5-Year CD
0.75%$1k-4-Year CD
0.60%$1k-3-Year CD
0.50%$1k-2-Year CD
0.40%$1k-1-Year CD
0.30%$1k-6-Month CD
Locations


Maui County Credit Union Locations
Branch Office1888 Wili Pa LoopWailuku, HI 967931272
Branch Office270 Dairy Rd Ste 146Kahului, HI 967322986