Federal credit union · Honolulu, Hawaii · NCUA charter #24839
Hawaii Central
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $299.8M
- Total assets
- 16,339
- Members
- 9.7%
- Net-worth ratio
Hawaii Central scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $299.8M; members 16,339; net-worth ratio 9.70%; health rank #3,011 of 4,374; healthier than 31st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,011 of 4,374 health · 2025Q4Hawaii Central · health 78/100 · $299.8M · 2025Q4
- NCUSIF 78/100
- CAMELS 9.7%
- HEALTH 1.29%
- NW 0.09%
- DELQ $299.8M
- ROA 16,339
- ASSETS #3,011/4,374
- MEM GUARDIANS
- RANK 24839
Call Report peers
Hawaii Central in the assets neighbourhood
Hawaii Central's $299.8M assets sit next to GUARDIANS ($299.1M) 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.
Hawaii Central 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
78 31st percentile higher than 31% 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
Hawaii Central - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24839: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Hawaii Central
- Widest shortfall vs peers is Loan-to-Share Ratio: -7.60 pp (64.60% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Hawaii standing for Hawaii Central
- Hawaii health ordinal: #34 of 45.
- Hawaii assets place: #14 of 45.
- Member book place in Hawaii: #14 of 45.
In-state ordinals use the live credit_unions table for HI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Hawaii Central Call Report trajectory
Hawaii Central: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.8% from $299.8M (2025Q4) to $311.3M (2026Q1).
- Net-worth ratio shifted -0.21 pp (9.91% → 9.70%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.70% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 29.3 pts
- Delinquency Rate 17.8 pts
- Return on Assets 8.5 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 13.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.70% | -2.41 pp |
| Delinquency Rate | 1.29% | +0.39 pp |
| Return on Assets | 0.09% | -0.53 pp |
| Member Growth | 0.06% | - |
| Loan-to-Share Ratio | 64.60% | -7.60 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $311.3M | - |
| 2025Q4 | $299.8M | 16,339 |
| 2024Q4 | $293.6M | 16,329 |
| 2023Q4 | $303.8M | 16,856 |
Credit Union Details
- Charter Number
- 24839
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Hawaii
- City
- Honolulu
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Hawaii Central.
| Office | City |
|---|---|
| Hawaii Central Federal Credit Union (Main Office) | Honolulu, HI |
| First Hawaiian Bank | Honolulu, HI |
| Harkness Branch | 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.
Hawaii Central nationwide neighbourhoods
Hawaii Central's nationwide photo peers by assets and by health score, excluding Hawaii charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($299.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- Hawaii Central ranks #3,011 of 4,374 nationally on financial health and #34 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Hawaii Law Enforcement is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Hawaii Law Enforcement
- 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 Hawaii Central financially healthy?
A 9.70% net worth ratio and a 1.29% delinquency rate feed into Hawaii Central's financial health score of 78/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,011 of 4,374; by total assets it ranks #1,036 of 4,374 nationally (same basis as /rankings/largest); and #14 of 45 within Hawaii. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Hawaii Central compare to other credit unions?
Five weighted metrics from NCUA filings produce Hawaii Central's 78/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Hawaii Central?
Hawaii Central 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 Central directly for the exact boundaries and application steps.
Is my money safe at Hawaii Central?
Federal credit unions like Hawaii Central 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. Hawaii Central's net worth ratio of 9.70% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Hawaii Central offer compared to banks?
Credit unions like Hawaii Central 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 Hawaii Central 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.