Ots Employees Credit Union

Ots Employees Credit Union is headquartered in HONOLULU and is the 62^nd largest credit union in the state of Hawaii. It is also the 4,196^th largest credit union in the nation. It was established in 1937 and as of December of 2012, it had grown to 4 employees and 2,048 members. Ots Employees Credit Union's savings rates are 44% higher than the national average, and it has a 4-star health rating.

Ots Employees Credit Union Checking Account Rates

Ots Employees Credit Union Savings Account Rates

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Ots Employees Credit Union IRA Rates

Data for Q4 2012

Institution Statistics OTS EMPLOYEES NCUA # 1868 BankRate Report View Year Chartered 1937 Employees 4 Primary Regulator Assets and Liabilities Assets $12.89 million Loans $7.78 million Deposits $10.65 million Equity Capital $1.23 million Loan Loss Allowance $756,000 Unbacked Noncurrent Loans $201,000 Historic Data - December 2011 Assets $12.49 million Equity Capital $1.67 million Loan Loss Allowance $222,000 Unbacked Noncurrent Loans $124,000 Profit Margin - Quarterly Net Interest Margin 7.29% Return on Assets -3.39% Return on Equity -35.44% Interest Income $776,000 Non-Interest Income $103,000

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 December 31, 2012 Ots Employees Credit Union had $201,000 in non-current loans and owned real-estate with $1.99 million in equity and loan loss allowances on hand to cover it. This gives Ots Employees Credit Union a Texas Ratio of 10.11% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Ots Employees Credit Union held steady from 6.55% as of December 31, 2011 to 10.11% as of December 31, 2012, resulting in a negative change of 54.35%. This indicates that the balance sheet and financial strength for Ots Employees Credit Union has held steady in recent periods. Deposit Growth In the past year, Ots Employees Credit Union has decreased its total deposits by $-22,000, resulting in -0.21% 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 Ots Employees Credit Union has shown is 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. Ots Employees Credit Union has $12.89 million in assets with $1.99 million in equity, resulting in a capitalization level of 15.43%, which is excellent.

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