Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
808-848-4408
811 Middle Street
Honolulu, HI 96819

Ots Employees Credit Union is headquartered in HONOLULU and is the 62nd largest credit union in the state of Hawaii. It is also the 4,184th largest credit union in the nation. It was established in 1937 and as of December of 2013, it had grown to 3 employees and 2,064 members. Ots Employees Credit Union has a C+ health rating.

Field of Membership Restrictions

Must be an OTS employee or retiree. - See Details

No reviews have been left for this bank yet. Be the first to review.



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. Ots Employees Credit Union has a low asset base.

Texas Ratio

GRADE:
B+

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 Ots Employees Credit Union had $279,000 in non-current loans and owned real-estate with $2.07 million in equity and loan loss allowances on hand to cover it. This gives Ots Employees Credit Union a Texas Ratio of 13.49% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Ots Employees Credit Union experienced no significant changes from 10.11% as of December 31, 2012 to 13.49% as of December 31, 2013, resulting in a negative change of 33.50%. This indicates that the balance sheet and financial strength for Ots Employees Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
C

In the past year, Ots Employees Credit Union has decreased its total deposits by $-189,000, resulting in -1.77% 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

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. Ots Employees Credit Union has $12.33 million in assets with $2.07 million in equity, resulting in a capitalization level of 16.77%, which is excellent.

Institution Statistics

Overall
NCUA #1868
Year Chartered1937
Employees3
Primary Regulator
Assets and Liabilities
Assets$12.33 million
Loans$7.51 million
Deposits$10.46 million
Equity Capital$1.71 million
Loan Loss Allowance$356,000
Unbacked Noncurrent Loans$279,000
Real Estate Owned$0
Historic Data - December 2012
Assets$12.89 million
Equity Capital$1.23 million
Loan Loss Allowance$756,000
Unbacked Noncurrent Loans$279,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin7.07%
Return on Assets5.66%
Return on Equity40.77%
Interest Income$668,000
Rates
Skip to rates for:

Always verify rates and promotions with the bank or credit union. We are not Ots Employees Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Ots Employees Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.50%$500-IRA Share
0.25%$10k-Share Account
0.10%--Christmas Share

Ots Employees Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%--Share Drafts (Checking) Account

Ots Employees Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.25%$500-60 Month CD
1.00%$500-36 Month CD
0.75%$500-24 Month CD
0.50%$500-12 Month CD
0.35%$500-6 Month CD

Ots Employees Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.25%$500-60 Month IRA
1.00%$500-36 Month IRA
Locations


Ots Employees Credit Union Locations
Branch Office811 Middle StHonolulu, HI 96819