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P.O. Box 1888
Kaunakakai, HI 96748

Molokai Community Credit Union is headquartered in Kaunakakai and is the 53rd largest credit union in the state of Hawaii. It is also the 3,552nd largest credit union in the nation. It was established in 1951 and as of December of 2013, it had grown to 9 employees and 3,904 members. Molokai Community Credit Union's savings rates are 83% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school on the Island of Molokai. - See Details

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Molokai Community Credit Union has a low asset base.

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, 2013 Molokai Community Credit Union had $332,000 in non-current loans and owned real-estate with $2.29 million in equity and loan loss allowances on hand to cover it. This gives Molokai Community Credit Union a Texas Ratio of 14.47% 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 experienced no significant changes from 14.89% as of December 31, 2012 to 14.47% as of December 31, 2013, resulting in a positive change of 2.79%.This indicates that the balance sheet and financial strength for Molokai Community Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Molokai Community Credit Union has increased its total deposits by $1.19 million, resulting in 7.32% 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 excellent.



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 $19.51 million in assets with $2.29 million in equity, resulting in a capitalization level of 11.76%, which is excellent.

Institution Statistics

NCUA #7471
Year Chartered1951
Primary Regulator
Assets and Liabilities
Assets$19.51 million
Loans$8.31 million
Deposits$17.42 million
Equity Capital$1.93 million
Loan Loss Allowance$360,000
Unbacked Noncurrent Loans$332,000
Real Estate Owned$0
Historic Data - December 2012
Assets$18.37 million
Equity Capital$1.99 million
Loan Loss Allowance$359,000
Unbacked Noncurrent Loans$332,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin7.84%
Return on Assets0.24%
Return on Equity2.43%
Interest Income$898,000
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Molokai Community Credit Union Savings Account Rates

0.95%$25-Traditional IRA
0.95%$25-Roth IRA
0.20%--Christmas Club Account
0.05%$100-Regular Share Account
0.05%$100-Subsidiary Share Account

Molokai Community Credit Union Checking Account Rates

0.00%$20-Share Draft Account

Molokai Community Credit Union CD Rates

0.90%$500-60 Month Share Certificate
0.80%$500-36 Month Share Certificate
0.40%$500-24 Month Share Certificate
0.30%$500-12 Month Share Certificate
0.20%$500-6 Month Share Certificate

Molokai Community Credit Union Locations
Branch Office135 Puali PlaceKaunakakai, HI 96748