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
- NW 81/100
- DELQ 9.1%
- ROA 0.54%
- ASSETS 0.57%
- MEM $188.3M
- RANK 9,581
- PHOTO #2,652/4,374
- BOOK Beach Municipal
- CHARTER 1607
Call Report peers
Big Island in the assets neighbourhood
Big Island's $188.3M assets sit next to Beach Municipal ($188.3M) 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.
Big Island 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
81 39th percentile higher than 39% 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
Big Island - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #1607, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for HI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Big Island Call Report trajectory
Big Island: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $188.3M (2025Q4) to $194.1M (2026Q1).
- Net-worth ratio shifted -0.13 pp (9.27% → 9.14%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for Big Island - kept outside Hawaii; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($188.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
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
- 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 Big Island financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Big Island carries a financial health score of 81/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,652 of 4,374; by total assets it ranks #1,309 of 4,374 nationally (same basis as /rankings/largest); and #17 of 45 within Hawaii. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.14% net worth ratio and a 0.54% delinquency rate.
How does Big Island compare to other credit unions?
Five weighted metrics from NCUA filings produce Big Island's 81/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like Big Island 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. Big Island's net worth ratio of 9.14% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Big Island offer compared to banks?
Credit unions like Big Island 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 Big Island 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.