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

Oral Credit Union is headquartered in Honolulu and is the 73rd largest credit union in the state of Hawaii. It is also the 5,830th largest credit union in the nation. It was established in 1950 and as of December of 2013, it had grown to 328 members. Oral 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. Oral Credit Union has a very low asset base.

Texas Ratio

GRADE:
A+

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 Oral Credit Union had $0 in non-current loans and owned real-estate with $442,000 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

GRADE:
C

In the past year, Oral Credit Union has decreased its total deposits by $-21,000, resulting in -1.03% 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 average.

Capitalization

GRADE:
A+

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 $2.46 million in assets with $442,000 in equity, resulting in a capitalization level of 18.00%, which is excellent.

Institution Statistics

Overall
NCUA #6663
Year Chartered1950
Employees0
Primary Regulator
Assets and Liabilities
Assets$2.46 million
Loans$542,000
Deposits$2.02 million
Equity Capital$439,000
Loan Loss Allowance$3,000
Real Estate Owned$0
Historic Data - December 2012
Assets$2.53 million
Equity Capital$487,000
Loan Loss Allowance$2,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.15%
Return on Assets-1.91%
Return on Equity-10.71%
Interest Income$36,000
Rates

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Locations


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