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
Call Report peers
Hawaii Central in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Hawaii Central sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Hawaii Central
- Widest shortfall vs peers is Loan-to-Share Ratio: -7.60 pp (64.60% vs 72.20%).
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.
- One place up in Hawaii, KO`OLAU (#33) scores 79/100, 1 point higher; one place down, MAUI (#35) scores 77/100, 1 point lower.
Hawaii Central Call Report trajectory
Hawaii Central: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.8% from $299.8M (2025Q4) to $311.3M (2026Q1).
- Net-worth ratio shifted -0.21 pp (9.91% → 9.70%).
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
Hawaii Central gives up 22 points in total. Delinquency Rate costs the most, 7.2 of its 25; Net Worth Ratio loses the least, 0.8.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Hawaii Central financially healthy?
Hawaii Central has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,011 of 4,374 nationally on health and #34 of 45 in Hawaii. Its net worth ratio is 9.70% and its delinquency rate 1.29%.
How does Hawaii Central compare to other credit unions?
Hawaii Central scores 78/100, higher than 31% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (64.60% vs 72.20%).
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?
Hawaii Central 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 Central's net worth ratio of 9.70% 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.