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Meadow Gold Dairies Credit Union

Meadow Gold Dairies Credit Union
Overview / Commentary
P.O. Box 1880
Honolulu, HI 96805

Meadow Gold Dairies Credit Union is headquartered in HONOLULU and is the 72nd largest credit union in the state of Hawaii. It is also the 5,786th largest credit union in the nation. It was established in 1952 and as of December of 2013, it had grown to 571 members. Meadow Gold Dairies Credit Union has a C+ health rating.

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Health

Data for Q4 2013

Institution Health

C+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Meadow Gold Dairies Credit Union has a very 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 Meadow Gold Dairies Credit Union had $14,000 in non-current loans and owned real-estate with $345,000 in equity and loan loss allowances on hand to cover it. This gives Meadow Gold Dairies Credit Union a Texas Ratio of 4.06% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Meadow Gold Dairies Credit Union decreased dramatically from 7.42% as of December 31, 2012 to 4.06% as of December 31, 2013, resulting in a positive change of 45.29%.This indicates that the balance sheet and financial strength for Meadow Gold Dairies Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
C-

In the past year, Meadow Gold Dairies Credit Union has decreased its total deposits by $-106,000, resulting in -4.44% 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 Meadow Gold Dairies Credit Union has shown is below 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. Meadow Gold Dairies Credit Union has $2.62 million in assets with $345,000 in equity, resulting in a capitalization level of 13.17%, which is excellent.

Institution Statistics

Overall
NCUA #8186
Year Chartered1952
Employees0
Primary Regulator
Assets and Liabilities
Assets$2.62 million
Loans$1.32 million
Deposits$2.28 million
Equity Capital$336,000
Loan Loss Allowance$9,000
Unbacked Noncurrent Loans$14,000
Real Estate Owned$0
Historic Data - December 2012
Assets$2.74 million
Equity Capital$334,000
Loan Loss Allowance$30,000
Unbacked Noncurrent Loans$14,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.41%
Return on Assets0.08%
Return on Equity0.6%
Interest Income$86,000
Rates

Sorry, we do not have rate data for Meadow Gold Dairies Credit Union

Locations


Meadow Gold Dairies Credit Union Locations
Branch Office925 Cedar StHonolulu, HI 96814-2384