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
Call Report peers
Hawaii First in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Hawaii First sits in 65-69 with 275 others.
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: 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%).
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.
- One place up in Hawaii, Hotel and Travel Industry (#40) scores 72/100, 3 points higher; one place down, KAUAI (#42) scores 63/100, 6 points lower.
Hawaii First: 2025Q4 → 2026Q1
Hawaii First: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.5% from $73.9M (2025Q4) to $77.2M (2026Q1).
- Net-worth ratio shifted -0.12 pp (9.26% → 9.14%).
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
Hawaii First gives up 31 points in total. Delinquency Rate costs the most, 25 of its 25; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Hawaii First financially healthy?
Hawaii First has a financial health score of 69/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,667 of 4,374 nationally on health and #41 of 45 in Hawaii. Its net worth ratio is 9.14% and its delinquency rate 4.93%.
How does Hawaii First compare to other credit unions?
Hawaii First scores 69/100, higher than 16% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (79.46% vs 62.60%). Its widest shortfall is net worth ratio (9.14% vs 13.62%).
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?
Hawaii First 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 First's net worth ratio of 9.14% 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.