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Overview / Commentary
808-254-3566
6699 Mokapu Rd
Kailua, HI 96734

Windward Community Credit Union is headquartered in KAILUA and is the 19st 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 December of 2013, it had grown to 30 employees and 9,831 members. Windward Community Credit Union has a C+ 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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Health

Data for Q4 2013

Institution Health

C+
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

GRADE:
C+

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 Windward Community Credit Union had $1.72 million in non-current loans and owned real-estate with $7.55 million in equity and loan loss allowances on hand to cover it. This gives Windward Community Credit Union a Texas Ratio of 22.79% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B

The Texas Ratio for Windward Community Credit Union decreased slightly from 26.70% as of December 31, 2012 to 22.79% as of December 31, 2013, resulting in a positive change of 14.66%.This indicates that the balance sheet and financial strength for Windward Community Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Windward Community Credit Union has increased its total deposits by $1.6 million, 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 Windward Community Credit Union has shown is above average.

Capitalization

GRADE:
C

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 $83.96 million in assets with $7.55 million in equity, resulting in a capitalization level of 8.99%, which is average.

Institution Statistics

Overall
NCUA #8435
Year Chartered1953
Employees30
Primary Regulator
Assets and Liabilities
Assets$83.96 million
Loans$39.53 million
Deposits$76.61 million
Equity Capital$6.85 million
Loan Loss Allowance$695,000
Unbacked Noncurrent Loans$1.72 million
Real Estate Owned$0
Historic Data - December 2012
Assets$82.36 million
Equity Capital$6.60 million
Loan Loss Allowance$572,000
Unbacked Noncurrent Loans$1.72 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin6.89%
Return on Assets0.3%
Return on Equity3.69%
Interest Income$3.18 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Windward Community Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Windward Community Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
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

DetailsAPYMINMAXPRODUCT
0.35%$100k-Money Market Accounts

Windward Community Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$20k-Checking Accounts

Windward Community Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
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

DetailsAPYMINMAXPRODUCT
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
Locations


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