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Overview / Commentary
4469 Waialo Road
Eleele, HI 96705

Mcbryde Credit Union is headquartered in Eleele and is the 21st largest credit union in the state of Hawaii. It is also the 1,707th largest credit union in the nation. It was established in 1938 and as of March of 2014, it had grown to 5 employees and 3,367 members. Mcbryde Credit Union has a A health rating.

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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. Mcbryde Credit Union has a relatively 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 Mcbryde Credit Union had $186,000 in non-current loans and owned real-estate with $19.49 million in equity and loan loss allowances on hand to cover it. This gives Mcbryde Credit Union a Texas Ratio of 0.95% 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 Mcbryde Credit Union experienced no significant changes from 0.99% as of March 31, 2013 to 0.95% as of March 31, 2014, resulting in a positive change of 3.35%.This indicates that the balance sheet and financial strength for Mcbryde Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Mcbryde Credit Union has increased its total deposits by $173,000, resulting in 0.27% 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 Mcbryde Credit Union has shown is above 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. Mcbryde Credit Union has $83.9 million in assets with $19.49 million in equity, resulting in a capitalization level of 23.23%, which is excellent.

Institution Statistics

NCUA #2713
Year Chartered1938
Primary Regulator
Assets and Liabilities
Assets$83.91 million
Loans$9.27 million
Deposits$64.52 million
Equity Capital$19.36 million
Loan Loss Allowance$134,000
Unbacked Noncurrent Loans$186,000
Real Estate Owned$0
Historic Data - March 2013
Assets$84.40 million
Equity Capital$20.02 million
Loan Loss Allowance$141,000
Unbacked Noncurrent Loans$186,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.9%
Return on Equity3.9%
Interest Income$554,000

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Mcbryde Credit Union Locations
Branch Office4469 Waialo RoadEleele, HI 96705