West Oahu Community Credit Union

West Oahu Community Credit Union is headquartered in Waianae and is the 44^th largest credit union in the state of Hawaii. It is also the 2,818^st largest credit union in the nation. It was established in 1949 and as of December of 2012, it had grown to 10 employees and 5,403 members. West Oahu Community Credit Union has a 5-star health rating.

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Data for Q4 2012

Institution Statistics WEST OAHU COMMUNITY NCUA # 5978 BankRate Report View Year Chartered 1949 Employees 10 Primary Regulator Assets and Liabilities Assets $32.80 million Loans $7.44 million Deposits $27.23 million Equity Capital $4.60 million Loan Loss Allowance $191,000 Unbacked Noncurrent Loans $140,000 Historic Data - December 2011 Assets $31.19 million Equity Capital $4.71 million Loan Loss Allowance $211,000 Unbacked Noncurrent Loans $112,000 Profit Margin - Quarterly Net Interest Margin 7.44% Return on Assets -0.33% Return on Equity -2.35% Interest Income $781,000 Non-Interest Income $664,000

Institution Health Overall Score: 5 out of 5 Texas Ratio 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, 2012 West Oahu Community Credit Union had $140,000 in non-current loans and owned real-estate with $4.79 million in equity and loan loss allowances on hand to cover it. This gives West Oahu Community Credit Union a Texas Ratio of 2.92% 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 West Oahu Community Credit Union held steady from 2.28% as of December 31, 2011 to 2.92% as of December 31, 2012, resulting in a negative change of 28.37%. This indicates that the balance sheet and financial strength for West Oahu Community Credit Union has held steady in recent periods. Deposit Growth In the past year, West Oahu Community Credit Union has increased its total deposits by $1.95 million, resulting in 7.73% 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 Oahu Community Credit Union has shown is excellent. Capitalization 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 Oahu Community Credit Union has $32.8 million in assets with $4.79 million in equity, resulting in a capitalization level of 14.59%, which is excellent.

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