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P.O. Box 800
Waialua, HI 96791

Waialua Credit Union is headquartered in Waialua and is the 30th largest credit union in the state of Hawaii. It is also the 2,245th largest credit union in the nation. It was established in 1937 and as of March of 2014, it had grown to 4 employees and 3,144 members. Waialua Credit Union has a B+ health rating.

Field of Membership Restrictions

Must reside, work, attend school or worship in the zipcodes of 96791 or 96712, which extends from Ka'ena point to Crawford's Home. - 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. Waialua Credit Union has a relatively 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 Waialua Credit Union had $236,000 in non-current loans and owned real-estate with $6.24 million in equity and loan loss allowances on hand to cover it. This gives Waialua Credit Union a Texas Ratio of 3.78% 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 Waialua Credit Union decreased slightly from 4.40% as of March 31, 2013 to 3.78% as of March 31, 2014, resulting in a positive change of 14.03%.This indicates that the balance sheet and financial strength for Waialua Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Waialua Credit Union has decreased its total deposits by $-621,000, resulting in -1.33% 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 Waialua Credit Union has shown is average.



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. Waialua Credit Union has $52.3 million in assets with $6.24 million in equity, resulting in a capitalization level of 11.94%, which is excellent.

Institution Statistics

NCUA #2049
Year Chartered1937
Primary Regulator
Assets and Liabilities
Assets$52.30 million
Loans$9.15 million
Deposits$46.20 million
Equity Capital$6.06 million
Loan Loss Allowance$188,000
Unbacked Noncurrent Loans$236,000
Real Estate Owned$0
Historic Data - March 2013
Assets$52.72 million
Equity Capital$5.85 million
Loan Loss Allowance$151,000
Unbacked Noncurrent Loans$236,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.36%
Return on Equity3.1%
Interest Income$235,000

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Waialua Credit Union Locations
Branch Office67-292 Goodale Ave # A2Waialua, HI 96791-9664