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West Maui Community Credit Union

West Maui Community Credit Union
Overview / Commentary
808-661-4825
270 Lahainaluna Rd
Lahaina, HI 96761-1525

West Maui Community Credit Union is headquartered in Lahaina and is the 40th largest credit union in the state of Hawaii. It is also the 2,784th largest credit union in the nation. It was established in 1938 and as of March of 2014, it had grown to 5 employees and 2,696 members. West Maui Community Credit Union has a B+ health rating.

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Health

Data for Q1 2014

Institution Health

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

Texas Ratio

GRADE:
A+

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 West Maui Community Credit Union had $89,000 in non-current loans and owned real-estate with $7.92 million in equity and loan loss allowances on hand to cover it. This gives West Maui Community Credit Union a Texas Ratio of 1.12% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth

GRADE:
B+

In the past year, West Maui Community Credit Union has increased its total deposits by $554,000, resulting in 2.13% 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 West Maui Community Credit Union has shown is above average.

Capitalization

GRADE:
A+

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. West Maui Community Credit Union has $34.52 million in assets with $7.92 million in equity, resulting in a capitalization level of 22.94%, which is excellent.

Institution Statistics

Overall
NCUA #2563
Year Chartered1938
Employees5
Primary Regulator
Assets and Liabilities
Assets$34.52 million
Loans$2.43 million
Deposits$26.51 million
Equity Capital$7.87 million
Loan Loss Allowance$46,000
Unbacked Noncurrent Loans$89,000
Real Estate Owned$0
Historic Data - March 2013
Assets$34.02 million
Equity Capital$7.92 million
Loan Loss Allowance$51,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.19%
Return on Assets-0.29%
Return on Equity-1.27%
Interest Income$136,000
Rates

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Locations


West Maui Community Credit Union Locations
Branch Office349 Lahainaluna RdLahaina, HI 96761-1424