Federal credit union · Honolulu, Hawaii · NCUA charter #2403
HAWAII
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $104.1M
- Total assets
- 11,643
- Members
- 14.7%
- Net-worth ratio
HAWAII scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $104.1M; members 11,643; net-worth ratio 14.68%; health rank #597 of 4,374; healthier than 84th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#597 of 4,374 health · 2025Q4HAWAII · health 93/100 · $104.1M · 2025Q4
Call Report peers
HAWAII in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
HAWAII vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); HAWAII sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
HAWAII vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 84.14% vs peer 72.20% (+11.94 pp).
HAWAII in Hawaii
- Hawaii health ordinal: #4 of 45.
- By total assets, HAWAII is #23 of 45 in Hawaii.
- Hawaii membership ordinal: #17 of 45.
- One place up in Hawaii, Kauai Ohana (#3) scores 95/100, 2 points higher; one place down, HONOLULU (#5) scores 91/100, 2 points lower.
Quarter path for HAWAII
HAWAII: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $104.1M (2025Q4) to $105.4M (2026Q1).
- Net-worth ratio shifted +0.18 pp (14.50% → 14.68%).
14.68% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
HAWAII gives up 7 points in total. Member Growth costs the most, 7.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.8 pts
- Loan-to-Share Ratio 15.2 pts
HAWAII health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.68% | +2.57 pp |
| Delinquency Rate | 0.40% | -0.50 pp |
| Return on Assets | 0.65% | +0.02 pp |
| Member Growth | -0.69% | - |
| Loan-to-Share Ratio | 84.14% | +11.94 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - HAWAII
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $105.4M | - |
| 2025Q4 | $104.1M | 11,643 |
| 2024Q4 | $105.2M | 11,724 |
| 2023Q4 | $103.9M | 11,885 |
Credit Union Details
- Charter Number
- 2403
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Hawaii
- City
- Honolulu
- Data Quarter
- 2025Q4
Branch Location
HAWAII operates a single office in Honolulu, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Honolulu, 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
Using this data
- HAWAII ranks #597 of 4,374 nationally on financial health and #4 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MCBRYDE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MCBRYDE
Frequently Asked Questions
Is HAWAII financially healthy?
HAWAII has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #597 of 4,374 nationally on health and #4 of 45 in Hawaii. Its net worth ratio is 14.68% and its delinquency rate 0.40%.
How does HAWAII compare to other credit unions?
HAWAII scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (84.14% vs 72.20%).
How can I join HAWAII?
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 HAWAII directly for the exact boundaries and application steps.
Is my money safe at HAWAII?
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. HAWAII's net worth ratio of 14.68% 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.