West Maui Community Credit Union is headquartered in Lahaina and is the 41st largest credit union in the state of Hawaii. It is also the 2,785th largest credit union in the nation. It was established in 1938 and as of June of 2013, it had grown to 4 employees and 2,654 members. West Maui Community Credit Union has a A+ health rating.
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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 June 30, 2013 West Maui Community Credit Union had $0 in non-current loans and owned real-estate with $7.97 million in equity and loan loss allowances on hand to cover it. This gives West Maui Community Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for West Maui Community Credit Union increased slightly from 0.11% as of June 30, 2012 to 0.00% as of June 30, 2013, resulting in a positive change of 100.00%.This indicates that the balance sheet and financial strength for West Maui Community Credit Union has declined slightly in recent periods.
In the past year, West Maui Community Credit Union has increased its total deposits by $2.84 million, resulting in 12.09% 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 excellent.
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 $34.45 million in assets with $7.97 million in equity, resulting in a capitalization level of 23.13%, which is excellent.
|Assets and Liabilities|
|Equity Capital||$7.92 million|
|Loan Loss Allowance||$50,000|
|Real Estate Owned||$0|
|Historic Data - June 2012|
|Equity Capital||$7.97 million|
|Loan Loss Allowance||$63,000|
|Unbacked Noncurrent Loans||$0|
|Real Estate Owned||$0|
|Profit Margin - Quarterly|
|Net Interest Margin||2.49%|
|Return on Assets||-0.48%|
|Return on Equity||-2.07%|
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|West Maui Community Credit Union Locations|
|Branch Office||349 Lahainaluna Rd||Lahaina, HI 96761-1424|