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Overview / Commentary
808-946-1904
740 Kohou St Ste A
Honolulu, HI 96817

Prince Kuhio Credit Union is headquartered in Honolulu and is the 64th largest credit union in the state of Hawaii. It is also the 4,627th largest credit union in the nation. It was established in 1970 and as of March of 2014, it had grown to 3 employees and 1,539 members. Prince Kuhio Credit Union has a C+ health rating.

Field of Membership Restrictions

Must be a member of the ILWU Local 142 or 160 or be an employee of its Law and Accounting firm. Also open to employees of HOPACO-Boise Cascade in the State of Hawaii, Now Office Max and other select groups. - See Details

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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. Prince Kuhio 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 Prince Kuhio Credit Union had $24,000 in non-current loans and owned real-estate with $813,000 in equity and loan loss allowances on hand to cover it. This gives Prince Kuhio Credit Union a Texas Ratio of 2.95% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Prince Kuhio Credit Union decreased dramatically from 8.87% as of March 31, 2013 to 2.95% as of March 31, 2014, resulting in a positive change of 66.73%.This indicates that the balance sheet and financial strength for Prince Kuhio Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
D

In the past year, Prince Kuhio Credit Union has decreased its total deposits by $-530,000, resulting in -6.12% 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 Prince Kuhio Credit Union has shown is below 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. Prince Kuhio Credit Union has $8.93 million in assets with $540,000 in equity, resulting in a capitalization level of 6.05%, which is below average.

Institution Statistics

Overall
NCUA #20187
Year Chartered1970
Employees3
Primary Regulator
Assets and Liabilities
Assets$8.93 million
Loans$3.47 million
Deposits$8.13 million
Equity Capital$401,000
Secondary Capital$273,000
Loan Loss Allowance$139,000
Unbacked Noncurrent Loans$24,000
Real Estate Owned$0
Historic Data - March 2013
Assets$9.59 million
Equity Capital$432,000
Loan Loss Allowance$109,000
Unbacked Noncurrent Loans$24,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin2.53%
Return on Assets-0.04%
Return on Equity-1%
Interest Income$105,000
Rates
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Prince Kuhio Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.25%$100-Christmas Share Account
0.25%$100-IRA Share Account
0.15%$100-Regular Share Account
0.15%$100-Trust Share Account
0.15%$100-Club Share Account
0.15%$500-Monarch SD Account

Prince Kuhio Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.00%--Share Draft Account

Prince Kuhio Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.00%$1k-36 Month Share Certificate
0.40%$1k-12 Month Share Certificate
0.30%$1k-6 Month Share Certificate

Prince Kuhio Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.85%$1k-60 Month IRA Certificate
1.00%$1k-36 Month IRA Certificate
0.75%$1k-24 Month IRA Certificate
0.40%$1k-12 Month IRA Certificate
Locations


Prince Kuhio Credit Union Locations
Branch Office740 Kohou St Ste AHonolulu, HI 96817