Maui County Credit Union

Maui County Credit Union is headquartered in Wailuku and is the 11^st largest credit union in the state of Hawaii. It is also the 773^rd largest credit union in the nation. It was established in 1937 and as of December of 2011, it had grown to 39 employees and 14,142 members. Maui County Credit Union's savings rates are 2X the national average, and it has a 4-star health rating.

Maui County Credit Union Checking Account Rates

Maui County Credit Union Savings Account Rates

Maui County Credit Union CD Rates

Data for Q4 2011

Institution Statistics MAUI COUNTY NCUA # 1866 BankRate Report View Year Chartered 1937 Employees 39 Primary Regulator Assets and Liabilities Assets $234.36 million Loans $169.18 million Deposits $208.49 million Equity Capital $24.47 million Loan Loss Allowance $7.04 million Unbacked Noncurrent Loans $8.83 million Real Estate Owned $572,000 Historic Data - December 2010 Assets $243.14 million Equity Capital $26.44 million Loan Loss Allowance $4.51 million Unbacked Noncurrent Loans $12.23 million Real Estate Owned $1.18 million Profit Margin - Quarterly Net Interest Margin 4.52% Return on Assets -0.81% Return on Equity -7.71% Interest Income $10.29 million Non-Interest Income $924,000

Institution Health Overall Score: 4 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 Maui County Credit Union had $9.4 million in non-current loans and owned real-estate with $31.5 million in equity and loan loss allowances on hand to cover it. This gives Maui County Credit Union a Texas Ratio of 29.84% 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 Maui County Credit Union decreased slightly from 43.32% as of December 31, 2010 to 29.84% as of December 31, 2011, resulting in a positive change of 31.12%.This indicates that the balance sheet and financial strength for Maui County Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Maui County Credit Union has decreased its total deposits by -$7.56 million, resulting in -3.5% 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 below average. 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. Maui County Credit Union has $234.36 million in assets with $31.5 million in equity, resulting in a capitalization level of 13.44%, which is excellent.

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