Sheraton Hawaii Credit Union

Sheraton Hawaii Credit Union is headquartered in Honolulu and is the 51^st largest credit union in the state of Hawaii. It is also the 3,518^st largest credit union in the nation. It was established in 1959 and as of March of 2013, it had grown to 3 employees and 2,439 members. Sheraton Hawaii Credit Union has a 5-star health rating.

Sheraton Hawaii Credit Union Checking Account Rates

Sheraton Hawaii Credit Union Savings Account Rates

Data for Q1 2013

Institution Statistics SHERATON HAWAII NCUA # 13001 BankRate Report View Year Chartered 1959 Employees 3 Primary Regulator Assets and Liabilities Assets $20.86 million Loans $4.73 million Deposits $18.07 million Equity Capital $2.75 million Loan Loss Allowance $54,000 Unbacked Noncurrent Loans $20,000 Historic Data - March 2012 Assets $20.76 million Equity Capital $2.78 million Loan Loss Allowance $41,000 Unbacked Noncurrent Loans $17,000 Profit Margin - Quarterly Net Interest Margin 1.6% Return on Assets 0.02% Return on Equity 0.15% Interest Income $111,000 Non-Interest Income $7,000

Institution Health Overall Score: 5 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 March 31, 2013 Sheraton Hawaii Credit Union had $20,000 in non-current loans and owned real-estate with $2.8 million in equity and loan loss allowances on hand to cover it. This gives Sheraton Hawaii Credit Union a Texas Ratio of 0.71% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Sheraton Hawaii Credit Union held steady from 0.60% as of March 31, 2012 to 0.71% as of March 31, 2013, resulting in a negative change of 18.49%. This indicates that the balance sheet and financial strength for Sheraton Hawaii Credit Union has held steady in recent periods. Deposit Growth In the past year, Sheraton Hawaii Credit Union has increased its total deposits by $143,000, resulting in 0.8% 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 Sheraton Hawaii 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. Sheraton Hawaii Credit Union has $20.86 million in assets with $2.8 million in equity, resulting in a capitalization level of 13.43%, which is excellent.

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