University Of Hawaii Credit Union

University Of Hawaii Credit Union is headquartered in Honolulu and is the 4^th largest credit union in the state of Hawaii. It is also the 384^th largest credit union in the nation. It was established in 1955 and as of December of 2012, it had grown to 72 employees and 25,793 members. University Of Hawaii Credit Union's savings rates are 15% higher than the national average, and it boasts a 5-star health rating.

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University Of Hawaii Credit Union Savings Account Rates

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University Of Hawaii Credit Union IRA Rates

Data for Q4 2012

Institution Statistics UNIVERSITY OF HAWAII NCUA # 10465 BankRate Report View Year Chartered 1955 Employees 72 Primary Regulator Assets and Liabilities Assets $549.73 million Loans $152.44 million Deposits $493.92 million Equity Capital $54.02 million Loan Loss Allowance $1.66 million Unbacked Noncurrent Loans $2.00 million Real Estate Owned $1.70 million Historic Data - December 2011 Assets $528.92 million Equity Capital $47.69 million Loan Loss Allowance $1.41 million Unbacked Noncurrent Loans $4.91 million Real Estate Owned $1.81 million Profit Margin - Quarterly Net Interest Margin 5.56% Return on Assets 0.91% Return on Equity 9.27% Interest Income $16.24 million Non-Interest Income $1.65 million

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 December 31, 2012 University Of Hawaii Credit Union had $3.7 million in non-current loans and owned real-estate with $55.67 million in equity and loan loss allowances on hand to cover it. This gives University Of Hawaii Credit Union a Texas Ratio of 6.64% 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 University Of Hawaii Credit Union decreased significantly from 13.69% as of December 31, 2011 to 6.64% as of December 31, 2012, resulting in a positive change of 51.53%.This indicates that the balance sheet and financial strength for University Of Hawaii Credit Union has improved significantly in recent periods. Deposit Growth In the past year, University Of Hawaii Credit Union has increased its total deposits by $14.47 million, resulting in 3.02% 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 above 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. University Of Hawaii Credit Union has $549.73 million in assets with $55.67 million in equity, resulting in a capitalization level of 10.13%, which is above average.

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