Federal credit union · Honolulu, Hawaii · NCUA charter #1870
Hawaii Law Enforcement
Health score 59/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $230.0M
- Total assets
- 14,196
- Members
- 1.4%
- Net-worth ratio
Hawaii Law Enforcement - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #1870, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Hawaii Law Enforcement - 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)11
- Asset quality (delinquency)100
- Earnings (ROA)97
- Member growth27
- Liquidity (loan-to-share)78
Weighted composite: 59/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 1.36%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 1.36% | 30% |
| Delinquency Rate | 0.27% | 25% |
| Return on Assets | 0.47% | 15% |
| Member Growth | -2.77% | 15% |
| Loan-to-Share Ratio | 55.40% | 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 | $230.0M | 14,196 |
| 2024Q4 | $210.9M | 14,600 |
| 2023Q4 | $209.0M | 14,597 |
Credit Union Details
- Charter Number
- 1870
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- Hawaii
- City
- Honolulu
- Data Quarter
- 2025Q4
What This Data Says About Hawaii Law Enforcement
Hawaii Law Enforcement is a federal credit union headquartered in Honolulu, Hawaii, serving 14,196 members with $230.0M in total assets and $111.2M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 59/100 (Fair), anchored by a net worth ratio of 1.36% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #1870 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
On loan book quality: 0.27% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Meanwhile a 55.40% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.47% on net income of $1.1M 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 -2.77%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Multiple Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Hawaii
A look at other Hawaii credit unions, ranked by how closely their peer group and asset size match this one.
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 Law Enforcement financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Hawaii Law Enforcement carries a financial health score of 59/100 (Fair). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 1.36% net worth ratio and a 0.27% delinquency rate.
How does Hawaii Law Enforcement compare to other credit unions?
Hawaii Law Enforcement scores 59/100 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 Law Enforcement?
Hawaii Law Enforcement 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 Law Enforcement directly for the current list of qualifying groups.
Is my money safe at Hawaii Law Enforcement?
Federal credit unions like Hawaii Law Enforcement 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 Law Enforcement's net worth ratio of 1.36% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Hawaii Law Enforcement offer compared to banks?
Credit unions like Hawaii Law Enforcement 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 Law Enforcement 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.