Federal credit union · Hilo, Hawaii · NCUA charter #24630
Cu Hawaii
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $439.6M
- Total assets
- 29,394
- Members
- 10.9%
- Net-worth ratio
Cu Hawaii scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $439.6M; members 29,394; net-worth ratio 10.95%; health rank #962 of 4,374; healthier than 77th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#962 of 4,374 health · 2025Q4Cu Hawaii · health 91/100 · $439.6M · 2025Q4
Call Report peers
Cu Hawaii in the assets neighbourhood
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Cu Hawaii vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Cu Hawaii sits in 90-94 with 747 others.
91 Top 23% higher than 77% 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
Peer-gap read for Cu Hawaii
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.42 pp (0.48% vs 0.89%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -20.03 pp (52.17% vs 72.20%).
Cu Hawaii in Hawaii
- In Hawaii, health place is #6 of 45 on the same NCUA-ratio sort used nationally.
- Assets rank #12 of 45 inside Hawaii ($439.6M reported).
- Membership ranks #11 of 45 among Hawaii CUs with a reported count (29,394 members).
- One place up in Hawaii, HONOLULU (#5) ties at 91/100; one place down, Honolulu Fire Department (#7) scores 90/100, 1 point lower.
Quarter path for Cu Hawaii
Cu Hawaii: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $439.6M (2025Q4) to $453.2M (2026Q1).
- Net-worth ratio shifted -0.24 pp (11.19% → 10.95%).
This credit union's 10.95% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
Cu Hawaii gives up 9 points in total. Member Growth costs the most, 4.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.2 pts
- Loan-to-Share Ratio 10.8 pts
Call Report ratios for Cu Hawaii
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.95% | -1.16 pp |
| Delinquency Rate | 0.48% | -0.42 pp |
| Return on Assets | 0.60% | -0.03 pp |
| Member Growth | 1.01% | - |
| Loan-to-Share Ratio | 52.17% | -20.03 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Cu Hawaii filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $453.2M | - |
| 2025Q4 | $439.6M | 29,394 |
| 2024Q4 | $408.5M | 29,099 |
| 2023Q4 | $395.5M | 28,929 |
Credit Union Details
- Charter Number
- 24630
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Hawaii
- City
- Hilo
- Data Quarter
- 2025Q4
Branch Locations (10)
Per its most recent NCUA branch filing, Cu Hawaii runs 10 offices in 6 different cities.
| Office | City |
|---|---|
| Hilo (Main Office) | Hilo, HI |
| Puainako | Hilo, HI |
| Waiakea HS Student Branch | Hilo, HI |
| Kona | Kailua Kona, HI |
| Keaau | Keaau, HI |
| Kea'au HS Student Branch | Keaau, HI |
| Naalehu | Naalehu, HI |
| Pahala | Pahala, HI |
| Pahoa | Pahoa, HI |
| Pahoa HS Student Branch | Pahoa, HI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Hawaii
A look at other Hawaii credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- Cu Hawaii ranks #962 of 4,374 nationally on financial health and #6 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HONOLULU is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HONOLULU
Frequently Asked Questions
Is Cu Hawaii financially healthy?
On its 2025Q4 NCUA 5300 filing, Cu Hawaii scores 91/100 (Excellent), with a 10.95% net worth ratio and 0.48% of loans delinquent. It ranks #962 of 4,374 nationally on health and #6 of 45 in Hawaii.
How does Cu Hawaii compare to other credit unions?
Cu Hawaii scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.48% vs 0.89%). Its widest shortfall is loan-to-share ratio (52.17% vs 72.20%).
How can I join Cu Hawaii?
Cu Hawaii 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 Cu Hawaii directly for the exact boundaries and application steps.
Is my money safe at Cu Hawaii?
Cu Hawaii 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. Cu Hawaii's net worth ratio of 10.95% 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.