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808-931-8000
P.O. Box 8559
Honolulu, HI 96830

Sheraton Hawaii Credit Union is headquartered in Honolulu and is the 51st largest credit union in the state of Hawaii. It is also the 3,474th largest credit union in the nation. It was established in 1959 and as of December of 2013, it had grown to 3 employees and 2,372 members. Sheraton Hawaii Credit Union has a B health rating.

Field of Membership Restrictions

Membership in Sheraton Hawaii FCU is open to: 1. Employees of Starwood Hotels and Resorts Worldwide, Inc. in Hawaii. 2. Employees of hotels which are operated under management contracts with Starwood Hotels and Resorts Worldwide, Inc. in Hawaii. 3. Employees of Kyo-ya Hotels and Resorts, LP and Kyo-ya Management Co., Ltd. who work in Hawaii. 4. Members of the immediate families of the above. - See Details

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Health

Data for Q4 2013

Institution Health

B
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Sheraton Hawaii Credit Union has a low asset base.

Texas Ratio

GRADE:
A+

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 Sheraton Hawaii Credit Union had $23,000 in non-current loans and owned real-estate with $2.74 million in equity and loan loss allowances on hand to cover it. This gives Sheraton Hawaii Credit Union a Texas Ratio of 0.84% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Sheraton Hawaii Credit Union experienced no significant changes from 0.75% as of December 31, 2012 to 0.84% as of December 31, 2013, resulting in a negative change of 12.04%. This indicates that the balance sheet and financial strength for Sheraton Hawaii Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
C+

In the past year, Sheraton Hawaii Credit Union has decreased its total deposits by $-110,000, resulting in -0.61% 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

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. Sheraton Hawaii Credit Union has $20.59 million in assets with $2.74 million in equity, resulting in a capitalization level of 13.30%, which is excellent.

Institution Statistics

Overall
NCUA #13001
Year Chartered1959
Employees3
Primary Regulator
Assets and Liabilities
Assets$20.59 million
Loans$4.65 million
Deposits$17.87 million
Equity Capital$2.66 million
Loan Loss Allowance$76,000
Unbacked Noncurrent Loans$23,000
Real Estate Owned$0
Historic Data - December 2012
Assets$20.77 million
Equity Capital$2.75 million
Loan Loss Allowance$57,000
Unbacked Noncurrent Loans$23,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin6.92%
Return on Assets-0.39%
Return on Equity-3.04%
Interest Income$460,000
Rates
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Sheraton Hawaii Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.05%$50-Regular Share Account
0.05%$50-Secondary Share Account
0.05%$50-Christmas Saving Account

Sheraton Hawaii Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.00%$20-Share Draft (Checking) Account
Locations


Sheraton Hawaii Credit Union Locations
Branch Office2255 Kalakaua Ave Ste 3505Honolulu, HI 96815-2515