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
- PHOTO 87/100
- BOOK 9.6%
- CHARTER 0.73%
- NCUSIF 0.31%
- CAMELS $782.5M
- HEALTH 46,106
- NW #1,703/4,374
- DELQ Service 1st
- ROA 1719
Call Report peers
Hawaii Community in the assets neighbourhood
Hawaii Community's $782.5M assets sit next to Service 1st ($782.6M) 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 Community 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
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
Hawaii Community - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #1719: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
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 Community Call Report trajectory
Hawaii Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $782.5M (2025Q4) to $805.0M (2026Q1).
- Net-worth ratio shifted -0.11 pp (9.71% → 9.60%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Hawaii Community's nationwide photo peers by assets and by health score, excluding Hawaii charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($782.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
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
- 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 Community financially healthy?
Hawaii Community has a financial health score of 87/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,703 of 4,374; by total assets it ranks #567 of 4,374 nationally (same basis as /rankings/largest); and #8 of 45 within Hawaii. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.60% and delinquency rate of 0.73%.
How does Hawaii Community compare to other credit unions?
PlainCU's health composite puts Hawaii Community at 87/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like Hawaii Community 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 Community's net worth ratio of 9.60% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Hawaii Community offer compared to banks?
Credit unions like Hawaii Community 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 Community 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.