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Pacific Island Energy Credit Union

Pacific Island Energy Credit Union
Overview / Commentary
808-845-3905
1259 Aala St Ste 206
Honolulu, HI 96817

Pacific Island Energy Credit Union is headquartered in Honolulu and is the 65th largest credit union in the state of Hawaii. It is also the 4,804th largest credit union in the nation. It was established in 1946 and as of March of 2014, it had grown to 3 employees and 823 members. Pacific Island Energy Credit Union has a C+ health rating.

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Health

Data for Q1 2014

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. Pacific Island Energy Credit Union has a very 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 Pacific Island Energy Credit Union had $0 in non-current loans and owned real-estate with $686,000 in equity and loan loss allowances on hand to cover it. This gives Pacific Island Energy 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, Pacific Island Energy Credit Union has decreased its total deposits by $-12,000, resulting in -0.17% 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 Pacific Island Energy Credit Union has shown is average.

Capitalization

GRADE:
C

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. Pacific Island Energy Credit Union has $7.78 million in assets with $686,000 in equity, resulting in a capitalization level of 8.82%, which is average.

Institution Statistics

Overall
NCUA #5368
Year Chartered1946
Employees3
Primary Regulator
Assets and Liabilities
Assets$7.78 million
Loans$3.29 million
Deposits$7.12 million
Equity Capital$649,000
Loan Loss Allowance$37,000
Real Estate Owned$0
Historic Data - March 2013
Assets$7.92 million
Equity Capital$773,000
Loan Loss Allowance$35,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.39%
Return on Assets-0.93%
Return on Equity-11.09%
Interest Income$52,000
Rates

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Locations


Pacific Island Energy Credit Union Locations
Branch Office2200 Kamehameha Hwy Ste 211Honolulu, HI 96819-2356