Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
P.O. Box 477
Eleele, HI 96705

Mcbryde Credit Union is headquartered in Eleele and is the 20th largest credit union in the state of Hawaii. It is also the 1,684th largest credit union in the nation. It was established in 1938 and as of December of 2013, it had grown to 5 employees and 3,349 members. Mcbryde Credit Union has a A health rating.

No reviews have been left for this bank yet. Be the first to review.



Health

Data for Q4 2013

Institution Health

A
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

GRADE:
A+

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 Mcbryde Credit Union had $211,000 in non-current loans and owned real-estate with $18.92 million in equity and loan loss allowances on hand to cover it. This gives Mcbryde Credit Union a Texas Ratio of 1.12% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Mcbryde Credit Union decreased slightly from 1.38% as of December 31, 2012 to 1.12% as of December 31, 2013, resulting in a positive change of 19.22%.This indicates that the balance sheet and financial strength for Mcbryde Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Mcbryde Credit Union has increased its total deposits by $891,000, resulting in 1.4% 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.

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. Mcbryde Credit Union has $83.2 million in assets with $18.92 million in equity, resulting in a capitalization level of 22.74%, which is excellent.

Institution Statistics

Overall
NCUA #2713
Year Chartered1938
Employees5
Primary Regulator
Assets and Liabilities
Assets$83.20 million
Loans$9.53 million
Deposits$64.38 million
Equity Capital$18.78 million
Loan Loss Allowance$133,000
Unbacked Noncurrent Loans$211,000
Real Estate Owned$0
Historic Data - December 2012
Assets$83.29 million
Equity Capital$19.77 million
Loan Loss Allowance$148,000
Unbacked Noncurrent Loans$211,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin6.69%
Return on Assets1.23%
Return on Equity5.45%
Interest Income$2.34 million
Rates

Sorry, we do not have rate data for Mcbryde Credit Union

Locations


Mcbryde Credit Union Locations
Branch Office4469 Waialo RoadEleele, HI 96705