Windward Community Credit Union

Windward Community Credit Union is headquartered in KAILUA and is the 19^st largest credit union in the state of Hawaii. It is also the 1,690^th largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 29 employees and 10,152 members. Windward Community Credit Union's savings rates are 25% higher than the national average, and it has a 4-star health rating.

Windward Community Credit Union Checking Account Rates

Windward Community Credit Union Savings Account Rates

Windward Community Credit Union Money Market Rates

Windward Community Credit Union CD Rates

Windward Community Credit Union IRA Rates

Data for Q4 2011

Institution Statistics WINDWARD COMMUNITY NCUA # 8435 BankRate Report View Year Chartered 1953 Employees 29 Primary Regulator Assets and Liabilities Assets $77.77 million Loans $44.88 million Deposits $71.18 million Equity Capital $5.98 million Loan Loss Allowance $487,000 Unbacked Noncurrent Loans $793,000 Historic Data - December 2010 Assets $71.46 million Equity Capital $5.55 million Loan Loss Allowance $416,000 Unbacked Noncurrent Loans $397,000 Profit Margin - Quarterly Net Interest Margin 6.46% Return on Assets 0.54% Return on Equity 7.06% Interest Income $3.36 million Non-Interest Income $1.54 million

Institution Health Overall Score: 4 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, 2011 Windward Community Credit Union had $793,000 in non-current loans and owned real-estate with $6.46 million in equity and loan loss allowances on hand to cover it. This gives Windward Community Credit Union a Texas Ratio of 12.27% which is above average. 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 increased slightly from 6.65% as of December 31, 2010 to 12.27% as of December 31, 2011, resulting in a negative change of 84.51%. This indicates that the balance sheet and financial strength for Windward Community Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Windward Community Credit Union has increased its total deposits by $5.79 million, resulting in 8.86% 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 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. Windward Community Credit Union has $77.77 million in assets with $6.46 million in equity, resulting in a capitalization level of 8.31%, which is average.

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