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Overview / Commentary
808-422-0577
4250 Radford Dr
Honolulu, HI 96818

NAVFAC Credit Union is headquartered in Honolulu and is the 45th largest credit union in the state of Hawaii. It is also the 2,927th largest credit union in the nation. It was established in 1951 and as of March of 2014, it had grown to 6 employees and 2,254 members. NAVFAC Credit Union has a B health rating.

Field of Membership Restrictions

Serving our Military, DOD Civilians, DOD Contractors and their Families - See Details

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Health

Data for Q1 2014

Institution Health

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

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 NAVFAC Credit Union had $24,000 in non-current loans and owned real-estate with $3.2 million in equity and loan loss allowances on hand to cover it. This gives NAVFAC Credit Union a Texas Ratio of 0.75% 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 NAVFAC Credit Union decreased dramatically from 1.26% as of March 31, 2013 to 0.75% as of March 31, 2014, resulting in a positive change of 40.36%.This indicates that the balance sheet and financial strength for NAVFAC Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
C-

In the past year, NAVFAC Credit Union has decreased its total deposits by -$1.18 million, resulting in -4.07% 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 NAVFAC Credit Union has shown is below average.

Capitalization

GRADE:
B+

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. NAVFAC Credit Union has $31.08 million in assets with $3.2 million in equity, resulting in a capitalization level of 10.30%, which is above average.

Institution Statistics

Overall
NCUA #7521
Year Chartered1951
Employees6
Primary Regulator
Assets and Liabilities
Assets$31.08 million
Loans$4.29 million
Deposits$27.88 million
Equity Capital$3.14 million
Loan Loss Allowance$67,000
Unbacked Noncurrent Loans$24,000
Real Estate Owned$0
Historic Data - March 2013
Assets$32.38 million
Equity Capital$3.27 million
Loan Loss Allowance$70,000
Unbacked Noncurrent Loans$24,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.08%
Return on Equity0.77%
Interest Income$153,000
Rates
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NAVFAC Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.15%--Share Account (Savings)
0.15%--IRA Share
0.15%--Christmas Club

NAVFAC Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.15%$5k-Share Draft (Checking)

NAVFAC Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.85%$1k-36 Month CD
0.65%$1k-24 Month CD
0.45%$1k-12 Month CD
0.30%$1k-6 Month CD

NAVFAC Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
0.85%$1k-36 Month IRA
0.65%$1k-24 Month IRA
0.45%$1k-12 Month IRA
0.30%$1k-6 Month IRA
Locations


NAVFAC Credit Union Locations
Branch Office4250 Radford DrHonolulu, HI 96818-3243