Federal credit union · Hilo, Hawaii · NCUA charter #1784
Hawaii County Employees
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $141.6M
- Total assets
- 5,899
- Members
- 15.1%
- Net-worth ratio
Hawaii County Employees scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $141.6M; members 5,899; net-worth ratio 15.08%; health rank #1,215 of 4,374; healthier than 69th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,215 of 4,374 health · 2025Q4Hawaii County Employees · health 89/100 · $141.6M · 2025Q4
Call Report peers
Hawaii County Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Hawaii County Employees vs every NCUA-scored credit union
Hawaii County Employees sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Hawaii County Employees vs $100M–$500M peers
- Net Worth Ratio leads the peer set - 15.08% here, 12.11% peer average (+2.97 pp).
- Largest lag: Loan-to-Share Ratio at 38.50% vs peer 72.20% (-33.70 pp).
Hawaii County Employees in Hawaii
- In Hawaii, health place is #8 of 45 on the same NCUA-ratio sort used nationally.
- Hawaii assets place: #19 of 45.
- Hawaii membership ordinal: #25 of 45.
- One place up in Hawaii, Honolulu Fire Department (#7) scores 90/100, 1 point higher; one place down, GATHER (#9) scores 88/100, 1 point lower.
How Hawaii County Employees's 5300 filing moved
Hawaii County Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $141.6M (2025Q4) to $145.4M (2026Q1).
- Net-worth ratio shifted -0.07 pp (15.15% → 15.08%).
15.08% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Hawaii County Employees gives up 11 points in total. Loan-to-Share Ratio costs the most, 5.5 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.0 pts
- Loan-to-Share Ratio 9.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.08% | +2.97 pp |
| Delinquency Rate | 0.15% | -0.74 pp |
| Return on Assets | 0.98% | +0.36 pp |
| Member Growth | 0.85% | - |
| Loan-to-Share Ratio | 38.50% | -33.70 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Hawaii County Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $145.4M | - |
| 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
Branch Location
Per its most recent NCUA branch filing, Hawaii County Employees runs one office.
| Office | City |
|---|---|
| Main Office (Main Office) | Hilo, 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.
Other-state peers near Hawaii County Employees
Similar total assets
Similar health score
Using this data
- Hawaii County Employees ranks #1,215 of 4,374 nationally on financial health and #8 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MAUI is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MAUI
Frequently Asked Questions
Is Hawaii County Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Hawaii County Employees scores 89/100 (Excellent), with a 15.08% net worth ratio and 0.15% of loans delinquent. It ranks #1,215 of 4,374 nationally on health and #8 of 45 in Hawaii.
How does Hawaii County Employees compare to other credit unions?
Hawaii County Employees scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (15.08% vs 12.11%). Its widest shortfall is loan-to-share ratio (38.50% vs 72.20%).
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?
Hawaii County Employees 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 County Employees's net worth ratio of 15.08% 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.