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Overview / Commentary
3375 Koapaka St Ste D106
Honolulu, HI 96819

Times Credit Union is headquartered in Honolulu and is the 63rd largest credit union in the state of Hawaii. It is also the 4,539th largest credit union in the nation. It was established in 1959 and as of March of 2014, it had grown to 2 employees and 1,403 members. Times Credit Union has a C health rating.

Field of Membership Restrictions

Must be an employee of Teruya Brothers Ltd., Times Super Market, Fastop Convenience Store or Ilima Hotel. - See Details

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Data for Q1 2014

Institution Health

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

Texas Ratio


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 Times Credit Union had $0 in non-current loans and owned real-estate with $576,000 in equity and loan loss allowances on hand to cover it. This gives Times 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


In the past year, Times Credit Union has decreased its total deposits by -$2.2 million, resulting in -19.7% 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 Times Credit Union has shown is poor.



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. Times Credit Union has $9.5 million in assets with $576,000 in equity, resulting in a capitalization level of 6.06%, which is below average.

Institution Statistics

NCUA #12720
Year Chartered1959
Primary Regulator
Assets and Liabilities
Assets$9.50 million
Loans$3.09 million
Deposits$8.95 million
Equity Capital$454,000
Loan Loss Allowance$122,000
Real Estate Owned$0
Historic Data - March 2013
Assets$11.99 million
Equity Capital$634,000
Loan Loss Allowance$78,000
Unbacked Noncurrent Loans$0
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.17%
Return on Equity3.52%
Interest Income$64,000
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Times Credit Union Savings Account Rates

0.02%--Christmas Savings Account
0.01%$100-Share Savings Account

Times Credit Union CD Rates

0.05%$1k-1 Year CD
0.05%$1k-2 Year CD
0.05%$2,500-6 Month CD

Times Credit Union Locations
Branch Office3375 Koapaka St Ste D106Honolulu, HI 96819
Branch Office3375 Koapaka St Ste D106Honolulu, HI 96819