Mccabe Hamilton & Renny Credit Union

Mccabe Hamilton & Renny Credit Union is headquartered in HONOLULU and is the 68^th largest credit union in the state of Hawaii. It is also the 5,243^rd 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 Report View Year Chartered 1967 Employees 2 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 Margin 7.31% Return on Assets 1.44% Return on Equity 9.44% Interest Income $341,000 Non-Interest Income $7,000

Institution Health Overall Score: 3 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, 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 Trend 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 Growth 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. 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. 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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