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2145 Wells St Ste 101
Wailuku, HI 96793

Maui Teachers Credit Union is headquartered in Wailuku and is the 41st largest credit union in the state of Hawaii. It is also the 2,792nd largest credit union in the nation. It was established in 1936 and as of March of 2014, it had grown to 3 employees and 1,756 members. Maui Teachers Credit Union has a B health rating.

Field of Membership Restrictions

All must be within the County of Maui and must be: --Permanent Full & Part-time employees of the Department of Education, certified, employed substitute teachers; --Students attending public schools (and/or their immediate family members) within the Department of Education; --Contract employees who work regularly for the Department of Education; --Spouses of persons who died while within the field of membership of this credit union; --Employees of this credit union, persons retired as pensioners or annuitants from the above employment, and organizations of such persons. --Immediate family members of a member or potential member may join our credit union. - See Details

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Data for Q1 2014

Institution Health

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

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Maui Teachers Credit Union had $2,000 in non-current loans and owned real-estate with $3.41 million in equity and loan loss allowances on hand to cover it. This gives Maui Teachers Credit Union a Texas Ratio of 0.06% 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 Maui Teachers Credit Union decreased dramatically from 0.54% as of March 31, 2013 to 0.06% as of March 31, 2014, resulting in a positive change of 89.06%.This indicates that the balance sheet and financial strength for Maui Teachers Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Maui Teachers Credit Union has decreased its total deposits by $-504,000, resulting in -1.61% 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 Teachers Credit Union has shown is average.



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 Teachers Credit Union has $34.28 million in assets with $3.41 million in equity, resulting in a capitalization level of 9.96%, which is above average.

Institution Statistics

NCUA #1817
Year Chartered1936
Primary Regulator
Assets and Liabilities
Assets$34.28 million
Loans$5.23 million
Deposits$30.85 million
Equity Capital$3.40 million
Loan Loss Allowance$13,000
Unbacked Noncurrent Loans$2,000
Real Estate Owned$0
Historic Data - March 2013
Assets$34.95 million
Equity Capital$3.53 million
Loan Loss Allowance$16,000
Unbacked Noncurrent Loans$2,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin0.84%
Return on Assets0.68%
Return on Equity6.82%
Interest Income$188,000
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Maui Teachers Credit Union Savings Account Rates


Maui Teachers Credit Union Locations
Branch Office1888 Wili Pa LoopWailuku, HI 96793
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Branch Office2145 Wells St Ste 101Wailuku, HI 96793
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