Federal credit union · Kailua Kona, Hawaii · NCUA charter #1719
Hawaii Community
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $782.5M
- Total assets
- 46,106
- Members
- 9.6%
- Net-worth ratio
Hawaii Community scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $782.5M; members 46,106; net-worth ratio 9.60%; health rank #1,703 of 4,374; healthier than 60th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,703 of 4,374 health · 2025Q4Hawaii Community · health 87/100 · $782.5M · 2025Q4
Call Report peers
Hawaii Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Hawaii Community vs every NCUA-scored credit union
Hawaii Community sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% 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
Where Hawaii Community diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Delinquency Rate: -0.15 pp (0.73% vs 0.87%).
- Loan-to-Share Ratio trails the peer set - 56.91% here, 83.90% peer average (-26.99 pp).
Hawaii Community: in-state Call Report ranks
- Health composite ranks #12 of 45 among scored Hawaii credit unions.
- Hawaii assets place: #8 of 45.
- Hawaii membership ordinal: #6 of 45.
- One place up in Hawaii, University of Hawaii (#11) ties at 87/100; one place down, HAWAIIUSA (#13) scores 86/100, 1 point lower.
Hawaii Community Call Report trajectory
Hawaii Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $782.5M (2025Q4) to $805.0M (2026Q1).
- Net-worth ratio shifted -0.11 pp (9.71% → 9.60%).
At 9.60%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Hawaii Community gives up 13 points in total. Member Growth costs the most, 3.4 of its 15; Net Worth Ratio loses the least, 1.
- Net Worth Ratio 29.0 pts
- Delinquency Rate 22.7 pts
- Return on Assets 12.1 pts
- Member Growth 11.6 pts
- Loan-to-Share Ratio 11.6 pts
Call Report ratios for Hawaii Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.60% | -1.58 pp |
| Delinquency Rate | 0.73% | -0.15 pp |
| Return on Assets | 0.31% | -0.20 pp |
| Member Growth | 2.15% | - |
| Loan-to-Share Ratio | 56.91% | -26.99 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $805.0M | - |
| 2025Q4 | $782.5M | 46,106 |
| 2024Q4 | $739.8M | 45,136 |
| 2023Q4 | $735.6M | 46,991 |
Credit Union Details
- Charter Number
- 1719
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Hawaii
- City
- Kailua Kona
- Data Quarter
- 2025Q4
Branch Locations (10)
Hawaii Community operates 10 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Kaloko Facility (Main Office) | Kailua Kona, HI |
| Hilo Branch | Hilo, HI |
| Honoka'a Branch | Honokaa, HI |
| Kailua Branch | Kailua Kona, HI |
| Kaloko Branch | Kailua Kona, HI |
| Kealakehe Student Credit Union | KAILUA KONA, HI |
| Kohala Branch | Kapaau, HI |
| Kohala Student Credit Union | Kapaau, HI |
| Kealakekua Branch | Kealakekua, HI |
| Konawaena Student Credit Union | Kealakekua, HI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Hawaii
Other federally-insured credit unions in Hawaii, closest first by peer group and asset size.
Hawaii Community nationwide neighbourhoods
Similar total assets
Using this data
- Hawaii Community ranks #1,703 of 4,374 nationally on financial health and #12 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LOKAHI is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LOKAHI
Frequently Asked Questions
Is Hawaii Community financially healthy?
Hawaii Community has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,703 of 4,374 nationally on health and #12 of 45 in Hawaii. Its net worth ratio is 9.60% and its delinquency rate 0.73%.
How does Hawaii Community compare to other credit unions?
Hawaii Community scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.73% vs 0.87%). Its widest shortfall is loan-to-share ratio (56.91% vs 83.90%).
How can I join Hawaii Community?
Hawaii Community 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 Community directly for the exact boundaries and application steps.
Is my money safe at Hawaii Community?
Hawaii Community 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 Community's net worth ratio of 9.60% 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.