Federal credit union · Honolulu, Hawaii · NCUA charter #1845
Aloha Pacific
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $1.48B
- Total assets
- 70,349
- Members
- 8.9%
- Net-worth ratio
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 - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)90
- Asset quality (delinquency)100
- Earnings (ROA)66
- Member growth63
- Liquidity (loan-to-share)83
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
8.86% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.86% | 30% |
| Delinquency Rate | 0.31% | 25% |
| Return on Assets | 0.16% | 15% |
| Member Growth | 0.32% | 15% |
| Loan-to-Share Ratio | 58.67% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Aloha Pacific
Aloha Pacific is a federal credit union headquartered in Honolulu, Hawaii, serving 70,349 members with $1.48B in total assets and $747.6M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 84/100 (Excellent), anchored by a net worth ratio of 8.86% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #1845 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
0.31% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Deposit deployment is captured by the 58.67% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.16% on net income of $2.3M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.32%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Multiple Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Hawaii
Other federally-insured credit unions in Hawaii, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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 84/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.86% 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 84/100, 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 8.86% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.