Federal credit union · Ewa Beach, Hawaii · NCUA charter #1987
EWA
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $13.2M
- Total assets
- 1,564
- Members
- 23.3%
- Net-worth ratio
EWA scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.2M; members 1,564; net-worth ratio 23.25%; health rank #2,372 of 4,374; healthier than 43rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,372 of 4,374 health · 2025Q4EWA · health 82/100 · $13.2M · 2025Q4
- DELQ 82/100
- ROA 23.3%
- ASSETS 0.43%
- MEM 0.27%
- RANK $13.2M
- PHOTO 1,564
- BOOK #2,372/4,374
- CHARTER Dixie Line
- NCUSIF 1987
Call Report peers
EWA in the assets neighbourhood
EWA's $13.2M assets sit next to Dixie Line ($13.2M) 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.
EWA 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
82 43rd percentile higher than 43% 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
EWA - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #1987 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
EWA vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +8.39 pp (23.25% vs 14.86%).
- Loan-to-Share Ratio trails the peer set - 30.94% here, 59.80% peer average (-28.86 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Hawaii standing for EWA
- Hawaii health ordinal: #24 of 45.
- By total assets, EWA is #41 of 45 in Hawaii.
- Membership ranks #40 of 45 among Hawaii CUs with a reported count (1,564 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.
Quarter path for EWA
EWA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $13.2M (2025Q4) to $13.2M (2026Q1).
- Net-worth ratio shifted +0.14 pp (23.11% → 23.25%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
23.25% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.5 pts
- Member Growth 6.3 pts
- Loan-to-Share Ratio 9.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.25% | +8.39 pp |
| Delinquency Rate | 0.43% | -0.72 pp |
| Return on Assets | 0.27% | -0.44 pp |
| Member Growth | -1.51% | - |
| Loan-to-Share Ratio | 30.94% | -28.86 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - EWA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $13.2M | - |
| 2025Q4 | $13.2M | 1,564 |
| 2024Q4 | $13.3M | 1,588 |
| 2023Q4 | $14.3M | 1,603 |
Credit Union Details
- Charter Number
- 1987
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Hawaii
- City
- Ewa Beach
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, EWA runs one office.
| Office | City |
|---|---|
| Ewa Federal Credit Union (Main Office) | Ewa Beach, 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.
Other-state peers near EWA
Cross-state asset and health neighbours for EWA - kept outside Hawaii; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($13.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- EWA ranks #2,372 of 4,374 nationally on financial health and #24 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Local Union 1186 Ibew is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Local Union 1186 Ibew
- 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 EWA financially healthy?
Yes/no aside, the number is 82/100 (Excellent) - EWA's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,372 of 4,374; by total assets it ranks #3,399 of 4,374 nationally (same basis as /rankings/largest); and #41 of 45 within Hawaii. Above 80 reads excellent, below 50 warrants closer monitoring; a 23.25% net worth ratio and 0.43% delinquency rate are the key drivers.
How does EWA compare to other credit unions?
EWA scores 82/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 EWA?
EWA 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 EWA directly for the exact boundaries and application steps.
Is my money safe at EWA?
Federal credit unions like EWA 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. EWA's net worth ratio of 23.25% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does EWA offer compared to banks?
Credit unions like EWA 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 EWA 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.