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Overview / Commentary
P.O. Box 3288
Honolulu, HI 96801

Oral Credit Union is headquartered in Honolulu and is the 71st largest credit union in the state of Hawaii. It is also the 5,803rd largest credit union in the nation. It was established in 1950 and as of March of 2014, it had grown to 326 members. Oral Credit Union has a C+ health rating.

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Data for Q1 2014

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. Oral Credit Union has a very low asset base.

Texas Ratio


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 Oral Credit Union had $0 in non-current loans and owned real-estate with $427,000 in equity and loan loss allowances on hand to cover it. This gives Oral Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, Oral Credit Union has increased its total deposits by $14,000, resulting in 0.69% 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 Oral Credit Union 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. Oral Credit Union has $2.47 million in assets with $427,000 in equity, resulting in a capitalization level of 17.28%, which is excellent.

Institution Statistics

NCUA #6663
Year Chartered1950
Primary Regulator
Assets and Liabilities
Assets$2.47 million
Deposits$2.05 million
Equity Capital$424,000
Loan Loss Allowance$3,000
Real Estate Owned$0
Historic Data - March 2013
Assets$2.50 million
Equity Capital$469,000
Loan Loss Allowance$2,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets-2.27%
Return on Equity-13.21%
Interest Income$9,000

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Oral Credit Union Locations
Branch Office1331 N Nimitz Hwy Pier 39/40Honolulu, HI 96817-4934