Federal credit union · Pepeekeo, Hawaii · NCUA charter #2280
HAMAKUA
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $21.3M
- Total assets
- 1,783
- Members
- 15.3%
- Net-worth ratio
HAMAKUA scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $21.3M; members 1,783; net-worth ratio 15.30%; health rank #3,160 of 4,374; healthier than 26th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,160 of 4,374 health · 2025Q4HAMAKUA · health 76/100 · $21.3M · 2025Q4
Call Report peers
HAMAKUA in the assets neighbourhood
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HAMAKUA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); HAMAKUA sits in 75-79 with 502 others.
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
HAMAKUA vs $10M–$50M peers
- Largest favorable gap: Return on Assets at 1.16% vs peer 0.70% (+0.46 pp).
- Loan-to-Share Ratio trails the peer set - 53.52% here, 59.80% peer average (-6.28 pp).
HAMAKUA: in-state Call Report ranks
- Hawaii health ordinal: #37 of 45.
- Assets rank #40 of 45 inside Hawaii ($21.3M reported).
- Membership ranks #39 of 45 among Hawaii CUs with a reported count (1,783 members).
- One place up in Hawaii, Maui County (#36) scores 77/100, 1 point higher; one place down, LOKAHI (#38) scores 75/100, 1 point lower.
HAMAKUA Call Report trajectory
HAMAKUA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $21.3M (2025Q4) to $21.9M (2026Q1).
- Net-worth ratio shifted +0.10 pp (15.20% → 15.30%).
This credit union's 15.30% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 76/100 score is built
HAMAKUA gives up 24 points in total. Delinquency Rate costs the most, 17.5 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 7.5 pts
- Return on Assets 15.0 pts
- Member Growth 12.0 pts
- Loan-to-Share Ratio 11.5 pts
Call Report ratios for HAMAKUA
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.30% | +0.44 pp |
| Delinquency Rate | 2.80% | +1.65 pp |
| Return on Assets | 1.16% | +0.46 pp |
| Member Growth | 2.47% | - |
| Loan-to-Share Ratio | 53.52% | -6.28 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - HAMAKUA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $21.9M | - |
| 2025Q4 | $21.3M | 1,783 |
| 2024Q4 | $18.7M | 1,740 |
| 2023Q4 | $18.4M | 1,635 |
Credit Union Details
- Charter Number
- 2280
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Hawaii
- City
- Pepeekeo
- Data Quarter
- 2025Q4
Branch Location
HAMAKUA operates a single office in Pepeekeo, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Pepeekeo, 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 HAMAKUA
Similar total assets
Using this data
- HAMAKUA ranks #3,160 of 4,374 nationally on financial health and #37 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ONOMEA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ONOMEA
Frequently Asked Questions
Is HAMAKUA financially healthy?
On its 2025Q4 NCUA 5300 filing, HAMAKUA scores 76/100 (Very Good), with a 15.30% net worth ratio and 2.80% of loans delinquent. It ranks #3,160 of 4,374 nationally on health and #37 of 45 in Hawaii.
How does HAMAKUA compare to other credit unions?
HAMAKUA scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (1.16% vs 0.70%). Its widest shortfall is loan-to-share ratio (53.52% vs 59.80%).
How can I join HAMAKUA?
HAMAKUA 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 HAMAKUA directly for the exact boundaries and application steps.
Is my money safe at HAMAKUA?
HAMAKUA 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. HAMAKUA's net worth ratio of 15.30% 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.