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Overview / Commentary
808-983-5500
P.O. Box 22070
Honolulu, HI 96823

University Of Hawaii Credit Union is headquartered in Honolulu and is the 4th largest credit union in the state of Hawaii. It is also the 400th largest credit union in the nation. It was established in 1955 and as of December of 2013, it had grown to 70 employees and 29,029 members. University Of Hawaii Credit Union's savings rates are 15% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must be an employee of the University of Hawai`i system or one of the several related organizations. - See Details

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Health

Data for Q4 2013

Institution Health

B+

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 University Of Hawaii Credit Union had $3.03 million in non-current loans and owned real-estate with $54.5 million in equity and loan loss allowances on hand to cover it. This gives University Of Hawaii Credit Union a Texas Ratio of 5.57% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for University Of Hawaii Credit Union decreased slightly from 6.64% as of December 31, 2012 to 5.57% as of December 31, 2013, resulting in a positive change of 16.12%.This indicates that the balance sheet and financial strength for University Of Hawaii Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
C+

In the past year, University Of Hawaii Credit Union has decreased its total deposits by -$2.12 million, resulting in -0.43% 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 University Of Hawaii Credit Union has shown is average.

Capitalization

GRADE:
B

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. University Of Hawaii Credit Union has $547.09 million in assets with $54.5 million in equity, resulting in a capitalization level of 9.96%, which is above average.

Institution Statistics

Overall
NCUA #10465
Year Chartered1955
Employees70
Primary Regulator
Assets and Liabilities
Assets$547.09 million
Loans$157.26 million
Deposits$491.80 million
Equity Capital$53.07 million
Loan Loss Allowance$1.43 million
Unbacked Noncurrent Loans$2.46 million
Real Estate Owned$572,000
Historic Data - December 2012
Assets$549.73 million
Equity Capital$54.02 million
Loan Loss Allowance$1.66 million
Unbacked Noncurrent Loans$2.46 million
Real Estate Owned$1.70 million
Profit Margin - Quarterly
Net Interest Margin4.9%
Return on Assets0.88%
Return on Equity9.05%
Interest Income$14.27 million
Rates

Always verify rates and promotions with the bank or credit union. We are not University Of Hawaii Credit Union, we are a rate comparison website and can not provide official rates or promotions.

University Of Hawaii Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.60%--IRA Account
0.60%--Roth IRA Account
0.50%--Christmas Club
0.20%$100-Savings Account
0.20%--Special Saving Account

University Of Hawaii Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.30%$100k-Mega Money Account

University Of Hawaii Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%--Share Draft (Checking) Account

University Of Hawaii Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.25%$500-5 Year CD
1.00%$500-4 Year CD
0.75%$500-3 Year CD
0.75%$1k-32 Month Bump-Up CD
0.50%$500-2 Year CD
0.50%$1k-21 Month Bump-Up CD
0.35%$500-1 Year CD
0.25%$500-6 Month CD

University Of Hawaii Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.25%$500-5 Year IRA (Traditional,Roth)
1.00%$500-4 Year IRA (Traditional,Roth)
0.75%$500-3 Year IRA (Traditional,Roth)
0.50%$500-2 Year IRA (Traditional,Roth)
0.35%$500-1 Year IRA (Traditional,Roth)
Locations


University Of Hawaii Credit Union Locations
Branch Office2465 Campus Rd # CC206Honolulu, HI 96822
Branch Office2019 S King StHonolulu, HI 96826
Branch Office2010 E West RdHonolulu, HI 96822
Branch Office2019 S King StHonolulu, HI 96826
Branch Office91-1031 Farrington Hwy Ste 138Kapolei, HI 96707