Federal credit union · HILO, Hawaii · NCUA charter #1607
Big Island
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $188.3M
- Total assets
- 9,581
- Members
- 9.1%
- Net-worth ratio
Big Island scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $188.3M; members 9,581; net-worth ratio 9.14%; health rank #2,652 of 4,374; healthier than 39th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,652 of 4,374 health · 2025Q4Big Island · health 81/100 · $188.3M · 2025Q4
Call Report peers
Big Island in the assets neighbourhood
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Big Island vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Big Island sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Big Island
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.36 pp (0.54% vs 0.89%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -47.49 pp (24.71% vs 72.20%).
Big Island: in-state Call Report ranks
- In Hawaii, health place is #28 of 45 on the same NCUA-ratio sort used nationally.
- Assets rank #17 of 45 inside Hawaii ($188.3M reported).
- Membership ranks #18 of 45 among Hawaii CUs with a reported count (9,581 members).
- One place up in Hawaii, Hawaii Schools (#27) ties at 81/100; one place down, GLOVER (#29) scores 80/100, 1 point lower.
Big Island Call Report trajectory
Big Island: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $188.3M (2025Q4) to $194.1M (2026Q1).
- Net-worth ratio shifted -0.13 pp (9.27% → 9.14%).
9.14% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
Big Island gives up 19 points in total. Member Growth costs the most, 9.3 of its 15; Return on Assets scores full marks.
- Net Worth Ratio 27.8 pts
- Delinquency Rate 24.6 pts
- Return on Assets 15.0 pts
- Member Growth 5.7 pts
- Loan-to-Share Ratio 7.9 pts
Call Report ratios for Big Island
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.14% | -2.97 pp |
| Delinquency Rate | 0.54% | -0.36 pp |
| Return on Assets | 0.57% | -0.06 pp |
| Member Growth | -1.82% | - |
| Loan-to-Share Ratio | 24.71% | -47.49 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Big Island quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $194.1M | - |
| 2025Q4 | $188.3M | 9,581 |
| 2024Q4 | $171.7M | 9,759 |
| 2023Q4 | $161.0M | 9,929 |
Credit Union Details
- Charter Number
- 1607
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Hawaii
- City
- HILO
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Big Island, spread across 3 cities.
| Office | City |
|---|---|
| Hilo Branch (Main Office) | Hilo, HI |
| Kona Branch | Kailua Kona, HI |
| Keaau Branch | Keaau, HI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Hawaii
More federally-insured credit unions based in Hawaii, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- Big Island ranks #2,652 of 4,374 nationally on financial health and #28 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- KAUAI is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with KAUAI
Frequently Asked Questions
Is Big Island financially healthy?
Big Island has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,652 of 4,374 nationally on health and #28 of 45 in Hawaii. Its net worth ratio is 9.14% and its delinquency rate 0.54%.
How does Big Island compare to other credit unions?
Big Island scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.54% vs 0.89%). Its widest shortfall is loan-to-share ratio (24.71% vs 72.20%).
How can I join Big Island?
Big Island operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Big Island directly for the exact boundaries and application steps.
Is my money safe at Big Island?
Big Island is a federal credit union; its shares are federally 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. Big Island's net worth ratio of 9.14% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.