Mccabe Hamilton & Renny Credit Union

Mccabe Hamilton & Renny Credit Union Locations
1130 North Nimitz Hwy #A265
Honolulu, HI 96817

NCUA


Mccabe Hamilton & Renny Credit Union is headquartered in HONOLULU and is the 68th largest credit union in the state of Hawaii. It is also the 5,243rd largest credit union in the nation. It was established in 1967 and as of December of 2012, it had grown to 2 employees and 627 members. Mccabe Hamilton & Renny Credit Union has a 3-star health rating.


Data for Q4 2012


Institution Statistics


MCCABE HAMILTON & RENNY
NCUA #17989
BankRate ReportView
Year Chartered1967
Employees2
Primary Regulator

Assets and Liabilities

Assets$5.89 million
Loans$4.03 million
Deposits$4.97 million
Equity Capital$900,000
Loan Loss Allowance$48,000
Unbacked Noncurrent Loans$212,000

Historic Data - December 2011

Assets$5.96 million
Equity Capital$815,000
Loan Loss Allowance$44,000
Unbacked Noncurrent Loans$144,000

Profit Margin - Quarterly

Net Interest Margin7.31%
Return on Assets1.44%
Return on Equity9.44%
Interest Income$341,000
Non-Interest Income$7,000

Institution Health


Overall Score:
3 out of 5
3
Texas Ratio3
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, 2012 Mccabe Hamilton & Renny Credit Union had $212,000 in non-current loans and owned real-estate with $948,000 in equity and loan loss allowances on hand to cover it. This gives Mccabe Hamilton & Renny Credit Union a Texas Ratio of 22.36% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend2
The Texas Ratio for Mccabe Hamilton & Renny Credit Union increased slightly from 16.76% as of December 31, 2011 to 22.36% as of December 31, 2012, resulting in a negative change of 33.40%. This indicates that the balance sheet and financial strength for Mccabe Hamilton & Renny Credit Union has declined slightly in recent periods.
Deposit Growth2
In the past year, Mccabe Hamilton & Renny Credit Union has decreased its total deposits by $-146,000, resulting in -2.86% 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 Mccabe Hamilton & Renny Credit Union has shown is below average.
Capitalization5
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. Mccabe Hamilton & Renny Credit Union has $5.89 million in assets with $948,000 in equity, resulting in a capitalization level of 16.10%, which is excellent.
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