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Overview / Commentary
2219 Pauoa Road
Honolulu, HI 96813

Oahu CU is headquartered in HONOLULU and is the 31st largest credit union in the state of Hawaii. It is also the 2,290th largest credit union in the nation. It was established in 1936 and as of December of 2013, it had grown to 9 employees and 4,520 members. Oahu CU's savings rates are 44% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Individuals living or working in the area from Hawaii Kai to Mililani to Kapolei and down to Ewa Beach and all areas between are now eligible to join Oahu Federal Credit Union. - 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. Oahu CU 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 Oahu CU had $124,000 in non-current loans and owned real-estate with $5.28 million in equity and loan loss allowances on hand to cover it. This gives Oahu CU a Texas Ratio of 2.35% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Oahu CU decreased slightly from 3.21% as of December 31, 2012 to 2.35% as of December 31, 2013, resulting in a positive change of 26.86%.This indicates that the balance sheet and financial strength for Oahu CU has improved slightly in recent periods.

Deposit Growth


In the past year, Oahu CU has increased its total deposits by $622,000, resulting in 1.45% 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 Oahu CU has shown is above average.



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. Oahu CU has $49.05 million in assets with $5.28 million in equity, resulting in a capitalization level of 10.77%, which is above average.

Institution Statistics

NCUA #24830
Year Chartered1936
Primary Regulator
Assets and Liabilities
Assets$49.05 million
Loans$16.44 million
Deposits$43.38 million
Equity Capital$5.19 million
Loan Loss Allowance$90,000
Unbacked Noncurrent Loans$124,000
Real Estate Owned$0
Historic Data - December 2012
Assets$48.29 million
Equity Capital$5.15 million
Loan Loss Allowance$81,000
Unbacked Noncurrent Loans$124,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.83%
Return on Assets0.08%
Return on Equity0.73%
Interest Income$1.20 million
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Oahu CU Savings Account Rates

0.75%$100-IRA Account
0.75%$100-IRA - Conduit Rollover
0.75%$100-Roth IRA Rollover
0.75%$100-Traditional IRA Rollover
0.20%-$10kChristmas Club Account
0.10%$100-Primary Share
0.10%$25-Youth Club

Oahu CU Checking Account Rates

0.05%$1k-Share Draft

Oahu CU CD Rates

0.80%$1k-4 Year Share Certificate
0.65%$1k-3 Year Share Certificate
0.50%$1k-2 Year Share Certificate
0.35%$1k-1 Year Share Certificate
0.20%$1k-180 Day Share Certificate

Oahu CU Locations
Branch Office22 Inverness Center Pkwy Ste 400Birmingham, AL 35242-4879
Branch Office2219 PAUOA RdHONOLULU, HI 96813-1511
Branch Office1245 Kuala St Ste 109Pearl City, HI 96782-3900