Federal credit union · Kamuela, Hawaii · NCUA charter #10938
Hawaii First
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $73.9M
- Total assets
- 6,100
- Members
- 9.1%
- Net-worth ratio
Hawaii First scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $73.9M; members 6,100; net-worth ratio 9.14%; health rank #3,667 of 4,374; healthier than 16th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,667 of 4,374 health · 2025Q4Hawaii First · health 69/100 · $73.9M · 2025Q4
- DELQ 69/100
- ROA 9.1%
- ASSETS 4.93%
- MEM 0.26%
- RANK $73.9M
- PHOTO 6,100
- BOOK #3,667/4,374
- CHARTER Northern Colorado
- NCUSIF 10938
Call Report peers
Hawaii First in the assets neighbourhood
Hawaii First's $73.9M assets sit next to Northern Colorado ($73.9M) 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 First 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
69 16th percentile higher than 16% 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 First - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #10938, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Hawaii First: Call Report deltas vs peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +16.86 pp (79.46% vs 62.60%).
- Widest shortfall vs peers is Net Worth Ratio: -4.48 pp (9.14% vs 13.62%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Hawaii First: in-state Call Report ranks
- In Hawaii, health place is #41 of 45 on the same NCUA-ratio sort used nationally.
- By total assets, Hawaii First is #29 of 45 in Hawaii.
- Hawaii membership ordinal: #24 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 First: 2025Q4 → 2026Q1
Hawaii First: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.5% from $73.9M (2025Q4) to $77.2M (2026Q1).
- Net-worth ratio shifted -0.12 pp (9.26% → 9.14%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.14% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 69/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 69.
- Net Worth Ratio 27.8 pts
- Delinquency Rate 0.0 pts
- Return on Assets 11.3 pts
- Member Growth 14.4 pts
- Loan-to-Share Ratio 15.5 pts
Hawaii First vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.14% | -4.48 pp |
| Delinquency Rate | 4.93% | +3.97 pp |
| Return on Assets | 0.26% | -0.40 pp |
| Member Growth | 4.47% | - |
| Loan-to-Share Ratio | 79.46% | +16.86 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Hawaii First filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $77.2M | - |
| 2025Q4 | $73.9M | 6,100 |
| 2024Q4 | $66.7M | 5,839 |
| 2023Q4 | $60.9M | 6,895 |
Credit Union Details
- Charter Number
- 10938
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Hawaii
- City
- Kamuela
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Hawaii First, spread across 2 cities.
| Office | City |
|---|---|
| Kamuela Branch (Main Office) | Kamuela, HI |
| Hilo Branch | Hilo, 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.
Cross-state Call Report peers for Hawaii First
Cross-state asset and health neighbours for Hawaii First - kept outside Hawaii; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($73.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (69/100 here).
Using this data
- Hawaii First ranks #3,667 of 4,374 nationally on financial health and #41 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Hawaii Schools is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Hawaii Schools
- 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 First financially healthy?
Yes/no aside, the number is 69/100 (Good) - Hawaii First's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,667 of 4,374; by total assets it ranks #2,083 of 4,374 nationally (same basis as /rankings/largest); and #29 of 45 within Hawaii. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.14% net worth ratio and 4.93% delinquency rate are the key drivers.
How does Hawaii First compare to other credit unions?
69/100 is Hawaii First's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 First?
Hawaii First 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 First directly for the exact boundaries and application steps.
Is my money safe at Hawaii First?
Federal credit unions like Hawaii First 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 First's net worth ratio of 9.14% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Hawaii First offer compared to banks?
Credit unions like Hawaii First 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 First 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.