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
Call Report peers
EWA in the assets neighbourhood
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EWA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); EWA sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Hawaii, WAIALUA (#23) scores 83/100, 1 point higher; one place down, HFS (#25) ties at 82/100.
Quarter path for EWA
EWA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $13.2M (2025Q4) to $13.2M (2026Q1).
- Net-worth ratio shifted +0.14 pp (23.11% → 23.25%).
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
EWA gives up 18 points in total. Member Growth costs the most, 8.7 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is EWA financially healthy?
On its 2025Q4 NCUA 5300 filing, EWA scores 82/100 (Excellent), with a 23.25% net worth ratio and 0.43% of loans delinquent. It ranks #2,372 of 4,374 nationally on health and #24 of 45 in Hawaii.
How does EWA compare to other credit unions?
EWA scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (23.25% vs 14.86%). Its widest shortfall is loan-to-share ratio (30.94% vs 59.80%).
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?
EWA 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. EWA's net worth ratio of 23.25% 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.