Federal credit union · Hilo, Hawaii · NCUA charter #1784
Hawaii County Employees
Health score 89/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $141.6M
- Total assets
- 5,899
- Members
- 14.0%
- Net-worth ratio
Hawaii County Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #1784, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Hawaii County Employees - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth67
- Liquidity (loan-to-share)63
Weighted composite: 89/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
13.97% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.97% | 30% |
| Delinquency Rate | 0.15% | 25% |
| Return on Assets | 0.98% | 15% |
| Member Growth | 0.85% | 15% |
| Loan-to-Share Ratio | 38.50% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $141.6M | 5,899 |
| 2024Q4 | $130.3M | 5,849 |
| 2023Q4 | $124.1M | 5,759 |
Credit Union Details
- Charter Number
- 1784
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- Hawaii
- City
- Hilo
- Data Quarter
- 2025Q4
What This Data Says About Hawaii County Employees
The five-factor composite scores Hawaii County Employees at 89/100 (Excellent), reflecting a net worth ratio of 13.97% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Hilo, Hawaii, reports 5,899 members, $141.6M in total assets, and $45.7M in outstanding loans as of Q4 2025 under charter #1784 (peer group $100M–$500M, a cohort of 1069 similarly-sized institutions).
0.15% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Deposit deployment is captured by the 38.50% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.98% on net income of $1.4M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.85%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Multiple Common Bond) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Hawaii
Other federally-insured credit unions in Hawaii, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Hawaii County Employees financially healthy?
Yes/no aside, the number is 89/100 (Excellent) - Hawaii County Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.97% net worth ratio and 0.15% delinquency rate are the key drivers.
How does Hawaii County Employees compare to other credit unions?
Hawaii County Employees scores 89/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 County Employees?
Hawaii County Employees serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Hawaii County Employees directly for the current list of qualifying groups.
Is my money safe at Hawaii County Employees?
Federal credit unions like Hawaii County Employees 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 County Employees's net worth ratio of 13.97% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Hawaii County Employees offer compared to banks?
Credit unions like Hawaii County Employees 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 County Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.