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North Hawaii Community Credit Union

North Hawaii Community Credit Union
Overview / Commentary
45-3600 Mamane St
Honokaa, HI 96727

North Hawaii Community Credit Union is headquartered in Honokaa and is the 56th largest credit union in the state of Hawaii. It is also the 3,679th largest credit union in the nation. It was established in 1955 and as of December of 2013, it had grown to 7 employees and 3,489 members. North Hawaii Community 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. North Hawaii Community Credit Union has a low asset base.

Texas Ratio

GRADE:
B

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 North Hawaii Community Credit Union had $215,000 in non-current loans and owned real-estate with $1.42 million in equity and loan loss allowances on hand to cover it. This gives North Hawaii Community Credit Union a Texas Ratio of 15.16% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for North Hawaii Community Credit Union decreased dramatically from 25.93% as of December 31, 2012 to 15.16% as of December 31, 2013, resulting in a positive change of 41.53%.This indicates that the balance sheet and financial strength for North Hawaii Community Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
C-

In the past year, North Hawaii Community Credit Union has decreased its total deposits by $-536,000, resulting in -3.16% 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 North Hawaii Community Credit Union has shown is below average.

Capitalization

GRADE:
C-

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. North Hawaii Community Credit Union has $17.85 million in assets with $1.42 million in equity, resulting in a capitalization level of 7.94%, which is below average.

Institution Statistics

Overall
NCUA #10349
Year Chartered1955
Employees7
Primary Regulator
Assets and Liabilities
Assets$17.85 million
Loans$9.41 million
Deposits$16.44 million
Equity Capital$1.27 million
Loan Loss Allowance$148,000
Unbacked Noncurrent Loans$215,000
Real Estate Owned$0
Historic Data - December 2012
Assets$18.36 million
Equity Capital$1.26 million
Loan Loss Allowance$217,000
Unbacked Noncurrent Loans$215,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin6.44%
Return on Assets0.05%
Return on Equity0.71%
Interest Income$665,000
Rates

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Locations


North Hawaii Community Credit Union Locations
Branch Office45-3600 Mamane StHonokaa, HI 96727-6971