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Overview / Commentary
808-521-6727
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 2,328th largest credit union in the nation. It was established in 1936 and as of March of 2014, it had grown to 9 employees and 4,477 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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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. Oahu CU 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 Oahu CU had $123,000 in non-current loans and owned real-estate with $5.3 million in equity and loan loss allowances on hand to cover it. This gives Oahu CU a Texas Ratio of 2.32% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Oahu CU decreased slightly from 2.93% as of March 31, 2013 to 2.32% as of March 31, 2014, resulting in a positive change of 20.75%.This indicates that the balance sheet and financial strength for Oahu CU has improved slightly in recent periods.

Deposit Growth

GRADE:
B

In the past year, Oahu CU has increased its total deposits by $55,000, resulting in 0.13% 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.

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. Oahu CU has $48.78 million in assets with $5.3 million in equity, resulting in a capitalization level of 10.86%, which is above average.

Institution Statistics

Overall
NCUA #24830
Year Chartered1936
Employees9
Primary Regulator
Assets and Liabilities
Assets$48.78 million
Loans$15.88 million
Deposits$43.02 million
Equity Capital$5.21 million
Loan Loss Allowance$91,000
Unbacked Noncurrent Loans$123,000
Real Estate Owned$0
Historic Data - March 2013
Assets$48.32 million
Equity Capital$5.17 million
Loan Loss Allowance$85,000
Unbacked Noncurrent Loans$123,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.17%
Return on Assets0.1%
Return on Equity0.92%
Interest Income$270,000
Rates
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Oahu CU Savings Account Rates

DetailsAPYMINMAXPRODUCT
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

DetailsAPYMINMAXPRODUCT
0.05%$1k-Share Draft

Oahu CU CD Rates

DetailsAPYMINMAXPRODUCT
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
Locations


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