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Overview / Commentary
808-877-3232
160 Paahana St
Kahului, HI 96732

Valley Isle Community Credit Union is headquartered in Kahului and is the 16st largest credit union in the state of Hawaii. It is also the 1,428th largest credit union in the nation. It was established in 1940 and as of December of 2013, it had grown to 21 employees and 12,668 members. Valley Isle Community Credit Union has a A health rating.

Field of Membership Restrictions

Must live or work on the island of Maui. - See Details

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Health

Data for Q4 2013

Institution Health

A

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 Valley Isle Community Credit Union had $538,000 in non-current loans and owned real-estate with $11.07 million in equity and loan loss allowances on hand to cover it. This gives Valley Isle Community Credit Union a Texas Ratio of 4.86% 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 Valley Isle Community Credit Union experienced no significant changes from 4.63% as of December 31, 2012 to 4.86% as of December 31, 2013, resulting in a negative change of 5.00%. This indicates that the balance sheet and financial strength for Valley Isle Community Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A

In the past year, Valley Isle Community Credit Union has increased its total deposits by $3.5 million, resulting in 3.9% 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 Valley Isle Community Credit Union has shown is excellent.

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. Valley Isle Community Credit Union has $106.21 million in assets with $11.07 million in equity, resulting in a capitalization level of 10.42%, which is above average.

Institution Statistics

Overall
NCUA #3574
Year Chartered1940
Employees21
Primary Regulator
Assets and Liabilities
Assets$106.21 million
Loans$33.60 million
Deposits$93.24 million
Equity Capital$10.61 million
Loan Loss Allowance$463,000
Unbacked Noncurrent Loans$538,000
Real Estate Owned$0
Historic Data - December 2012
Assets$102.21 million
Equity Capital$11.20 million
Loan Loss Allowance$313,000
Unbacked Noncurrent Loans$538,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.3%
Return on Assets-0.61%
Return on Equity-6.11%
Interest Income$2.66 million
Rates
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Valley Isle Community Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.05%--Share Savings
0.05%--Christmas Savings

Valley Isle Community Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.03%--Share Draft Checking Account

Valley Isle Community Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.75%--5 Year CD
0.50%--2 Years CD
0.35%--1 Year CD
0.25%--6 Month CD
Locations


Valley Isle Community Credit Union Locations
Branch Office34 Kupuohi St Ste 102Lahaina, HI 96761-2741
Branch Office1888 Wili Pa LoopWailuku, HI 96793
Branch Office2601 Network Blvd Ste 600Frisco, TX 75034-1919
Branch Office240 Lepoko PlWailuku, HI 96793
Branch Office25 W Kamehameha AveKahului, HI 96732
Branch Office349 Lahainaluna RdLahaina, HI 96761
Branch Office107 E Wakea AveKahului, HI 96732
Branch Office2145 Wells St Ste 101Wailuku, HI 96793
Branch Office160 Paahana StKahului, HI 96732