Molokai Community Credit Union

Molokai Community Credit Union is headquartered in Kaunakakai and is the 53^rd largest credit union in the state of Hawaii. It is also the 3,696^th largest credit union in the nation. It was established in 1951 and as of December of 2012, it had grown to 9 employees and 3,933 members. Molokai Community Credit Union's savings rates are 4X the national average, and it has a 4-star health rating.

Molokai Community Credit Union Checking Account Rates

Molokai Community Credit Union Savings Account Rates

Molokai Community Credit Union CD Rates

Data for Q4 2012

Institution Statistics MOLOKAI COMMUNITY NCUA # 7471 BankRate Report View Year Chartered 1951 Employees 9 Primary Regulator Assets and Liabilities Assets $18.37 million Loans $8.49 million Deposits $16.24 million Equity Capital $1.99 million Loan Loss Allowance $359,000 Unbacked Noncurrent Loans $350,000 Historic Data - December 2011 Assets $18.06 million Equity Capital $1.83 million Loan Loss Allowance $340,000 Unbacked Noncurrent Loans $500,000 Profit Margin - Quarterly Net Interest Margin 9.15% Return on Assets -0.18% Return on Equity -1.66% Interest Income $972,000 Non-Interest Income $402,000

Institution Health Overall Score: 4 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 Molokai Community Credit Union had $350,000 in non-current loans and owned real-estate with $2.35 million in equity and loan loss allowances on hand to cover it. This gives Molokai Community Credit Union a Texas Ratio of 14.89% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Molokai Community Credit Union decreased slightly from 23.08% as of December 31, 2011 to 14.89% as of December 31, 2012, resulting in a positive change of 35.51%.This indicates that the balance sheet and financial strength for Molokai Community Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Molokai Community Credit Union has increased its total deposits by $80,000, resulting in 0.5% 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 Molokai Community Credit Union has shown is 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. Molokai Community Credit Union has $18.37 million in assets with $2.35 million in equity, resulting in a capitalization level of 12.80%, which is excellent.

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