Federal credit union · Honolulu, Hawaii · NCUA charter #1845
Aloha Pacific
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $1.48B
- Total assets
- 70,349
- Members
- 9.6%
- Net-worth ratio
Aloha Pacific scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.48B; members 70,349; net-worth ratio 9.55%; health rank #1,853 of 4,374; healthier than 57th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,853 of 4,374 health · 2025Q4Aloha Pacific · health 86/100 · $1.48B · 2025Q4
- MEM 86/100
- RANK 9.6%
- PHOTO 0.31%
- BOOK 0.16%
- CHARTER $1.48B
- NCUSIF 70,349
- CAMELS #1,853/4,374
- HEALTH Sierra Central
- NW 1845
Call Report peers
Aloha Pacific in the assets neighbourhood
Aloha Pacific's $1.48B assets sit next to Sierra Central ($1.48B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Aloha Pacific vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Aloha Pacific - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #1845. See our deposit-insurance coverage note.
Aloha Pacific: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.31% vs peer 0.87% (-0.57 pp).
- Loan-to-Share Ratio trails the peer set - 58.67% here, 83.90% peer average (-25.23 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Aloha Pacific in Hawaii
- Health composite ranks #15 of 45 among scored Hawaii credit unions.
- By total assets, Aloha Pacific is #3 of 45 in Hawaii.
- Member book place in Hawaii: #3 of 45.
In-state ordinals use the live credit_unions table for HI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Aloha Pacific's 5300 filing moved
Aloha Pacific: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $1.48B (2025Q4) to $1.53B (2026Q1).
- Net-worth ratio shifted -0.18 pp (9.73% → 9.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.55% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 28.9 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.8 pts
- Member Growth 9.4 pts
- Loan-to-Share Ratio 12.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.55% | -1.63 pp |
| Delinquency Rate | 0.31% | -0.57 pp |
| Return on Assets | 0.16% | -0.35 pp |
| Member Growth | 0.32% | - |
| Loan-to-Share Ratio | 58.67% | -25.23 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.53B | - |
| 2025Q4 | $1.48B | 70,349 |
| 2024Q4 | $1.35B | 70,126 |
| 2023Q4 | $1.30B | 66,611 |
Credit Union Details
- Charter Number
- 1845
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Over $500M
- State
- Hawaii
- City
- Honolulu
- Data Quarter
- 2025Q4
Branch Locations (13)
Per its most recent NCUA branch filing, Aloha Pacific runs 13 offices in 8 different cities across 2 states.
| Office | City |
|---|---|
| Kaimuki Plaza (Main Office) | Honolulu, HI |
| Waimalu | Aiea, HI |
| Hotel St | Honolulu, HI |
| Fort St | Honolulu, HI |
| Kaimuki Branch | Honolulu, HI |
| Pauoa Branch | Honolulu, HI |
| Kahului Branch | Kahului, HI |
| Kailua Branch | Kailua, HI |
| Kapolei Branch | Kapolei, HI |
| Kekaha Branch | Kekaha, HI |
| Henderson Branch | Las Vegas, NV |
| Rebels CU | Las Vegas, NV |
| Waikele | Waipahu, HI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Hawaii
Other federally-insured credit unions in Hawaii, closest first by peer group and asset size.
Aloha Pacific nationwide neighbourhoods
Cross-state asset and health neighbours for Aloha Pacific - kept outside Hawaii; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.48B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- Aloha Pacific ranks #1,853 of 4,374 nationally on financial health and #15 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Hawaiian Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Hawaiian Financial
- Rates and health both vary by institution, not just by state -- see how Hawaii credit unions compare overall before assuming this one is typical. Hawaii state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Aloha Pacific financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Aloha Pacific carries a financial health score of 86/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,853 of 4,374; by total assets it ranks #323 of 4,374 nationally (same basis as /rankings/largest); and #3 of 45 within Hawaii. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.55% net worth ratio and a 0.31% delinquency rate.
How does Aloha Pacific compare to other credit unions?
On PlainCU's health composite, Aloha Pacific lands at 86/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Aloha Pacific?
Aloha Pacific serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Aloha Pacific directly for the current list of qualifying groups.
Is my money safe at Aloha Pacific?
Federal credit unions like Aloha Pacific are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Aloha Pacific's net worth ratio of 9.55% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Aloha Pacific offer compared to banks?
Credit unions like Aloha Pacific are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Aloha Pacific directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.