North Hawaii Community Credit Union

North Hawaii Community Credit Union is headquartered in Honokaa and is the 54^th largest credit union in the state of Hawaii. It is also the 3,699^th largest credit union in the nation. It was established in 1955 and as of March of 2013, it had grown to 7 employees and 3,580 members. North Hawaii Community Credit Union has a 4-star health rating.

Data for Q1 2013

Institution Statistics NORTH HAWAII COMMUNITY NCUA # 10349 BankRate Report View Year Chartered 1955 Employees 7 Primary Regulator Assets and Liabilities Assets $18.67 million Loans $9.33 million Deposits $17.24 million Equity Capital $1.26 million Loan Loss Allowance $199,000 Unbacked Noncurrent Loans $332,000 Historic Data - March 2012 Assets $18.29 million Equity Capital $1.29 million Loan Loss Allowance $267,000 Unbacked Noncurrent Loans $621,000 Profit Margin - Quarterly Net Interest Margin 1.72% Return on Assets -0.02% Return on Equity -0.32% Interest Income $176,000 Non-Interest Income $61,000

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 March 31, 2013 North Hawaii Community Credit Union had $332,000 in non-current loans and owned real-estate with $1.46 million in equity and loan loss allowances on hand to cover it. This gives North Hawaii Community Credit Union a Texas Ratio of 22.77% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for North Hawaii Community Credit Union decreased significantly from 39.99% as of March 31, 2012 to 22.77% as of March 31, 2013, resulting in a positive change of 43.05%.This indicates that the balance sheet and financial strength for North Hawaii Community Credit Union has improved significantly in recent periods. Deposit Growth In the past year, North Hawaii Community Credit Union has increased its total deposits by $391,000, resulting in 2.32% 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 North Hawaii Community Credit Union has shown is above 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. North Hawaii Community Credit Union has $18.67 million in assets with $1.46 million in equity, resulting in a capitalization level of 7.81%, which is below average.

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