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Overview / Commentary
P.O. Box 937
Lahaina, HI 96767

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 2,755th largest credit union in the nation. It was established in 1938 and as of December of 2013, it had grown to 4 employees and 2,649 members. West Maui Community Credit Union has a B+ health rating.

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Health

Data for Q4 2013

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 funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 West Maui Community Credit Union had $32,000 in non-current loans and owned real-estate with $7.95 million in equity and loan loss allowances on hand to cover it. This gives West Maui Community Credit Union a Texas Ratio of 0.40% 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 West Maui Community Credit Union experienced no significant changes from 0.08% as of December 31, 2012 to 0.40% as of December 31, 2013, resulting in a negative change of 435.88%. This indicates that the balance sheet and financial strength for West Maui Community Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, West Maui Community Credit Union has increased its total deposits by $2.11 million, resulting in 8.92% 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.

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 $34.45 million in assets with $7.95 million in equity, resulting in a capitalization level of 23.07%, which is excellent.

Institution Statistics

Overall
NCUA #2563
Year Chartered1938
Employees4
Primary Regulator
Assets and Liabilities
Assets$34.45 million
Loans$2.62 million
Deposits$25.79 million
Equity Capital$7.90 million
Loan Loss Allowance$52,000
Unbacked Noncurrent Loans$32,000
Real Estate Owned$0
Historic Data - December 2012
Assets$31.82 million
Equity Capital$7.93 million
Loan Loss Allowance$59,000
Unbacked Noncurrent Loans$32,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.14%
Return on Assets-0.41%
Return on Equity-1.8%
Interest Income$614,000
Rates

Sorry, we do not have rate data for West Maui Community Credit Union

Locations


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