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Overview / Commentary
6699 Mokapu Rd
Kailua, HI 96734

Windward Community Credit Union is headquartered in KAILUA and is the 20th largest credit union in the state of Hawaii. It is also the 1,668th largest credit union in the nation. It was established in 1953 and as of March of 2014, it had grown to 31 employees and 9,754 members. Windward Community Credit Union has a B health rating.

Field of Membership Restrictions

Must live, work, worship or go to school in the community which stretches from Makapuu Point to Chinaman's Hat. - 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. Windward Community 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 Windward Community Credit Union had $631,000 in non-current loans and owned real-estate with $7.63 million in equity and loan loss allowances on hand to cover it. This gives Windward Community Credit Union a Texas Ratio of 8.27% 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 Windward Community Credit Union decreased slightly from 9.60% as of March 31, 2013 to 8.27% as of March 31, 2014, resulting in a positive change of 13.85%.This indicates that the balance sheet and financial strength for Windward Community Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Windward Community Credit Union has increased its total deposits by $1.94 million, resulting in 2.5% 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 Windward Community Credit Union has shown is above 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. Windward Community Credit Union has $86.87 million in assets with $7.63 million in equity, resulting in a capitalization level of 8.78%, which is average.

Institution Statistics

NCUA #8435
Year Chartered1953
Primary Regulator
Assets and Liabilities
Assets$86.87 million
Loans$39.06 million
Deposits$79.39 million
Equity Capital$6.93 million
Loan Loss Allowance$698,000
Unbacked Noncurrent Loans$631,000
Real Estate Owned$0
Historic Data - March 2013
Assets$84.92 million
Equity Capital$6.73 million
Loan Loss Allowance$612,000
Unbacked Noncurrent Loans$631,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.61%
Return on Assets0.37%
Return on Equity4.62%
Interest Income$750,000

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Windward Community Credit Union Savings Account Rates

0.50%$100-IRA Shares
0.15%$100-Regular Share
0.15%$100-Vacation Account
0.15%$100-Keiki Account
0.15%$100-Christmas Account

Windward Community Credit Union Money Market Rates

0.35%$100k-Money Market Accounts

Windward Community Credit Union Checking Account Rates

0.10%$20k-Checking Accounts

Windward Community Credit Union CD Rates

1.10%$5k-5 Year CD
0.85%$5k-4 Year CD
0.65%$5k-3 Year CD
0.50%$5k-2 Year CD
0.40%$5k-1 Year CD
0.35%$5k-6 Month CD

Windward Community Credit Union IRA Rates

1.20%$5k-5 Years IRA
0.95%$5k-4 Years IRA
0.75%$5k-3 Years IRA
0.60%$5k-2 Years IRA
0.50%$5k-13 Months IRA

Windward Community Credit Union Locations
Branch Office45-480 KANEOHE BAY DR # 1AE2KANEOHE, HI 96744
Branch Office6699 Mokapu RdKAILUA, HI 96734
Branch Office151 HEKILI ST STE 101KAILUA, HI 96734