Federal credit union · Honolulu, Hawaii · NCUA charter #1785
Hawaii Schools
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $75.2M
- Total assets
- 3,345
- Members
- 13.5%
- Net-worth ratio
Hawaii Schools scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $75.2M; members 3,345; net-worth ratio 13.45%; health rank #2,574 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,574 of 4,374 health · 2025Q4Hawaii Schools · health 81/100 · $75.2M · 2025Q4
- BOOK 81/100
- CHARTER 13.5%
- NCUSIF 0.14%
- CAMELS 0.54%
- HEALTH $75.2M
- NW 3,345
- DELQ #2,574/4,374
- ROA DILLON
- ASSETS 1785
Call Report peers
Hawaii Schools in the assets neighbourhood
Hawaii Schools's $75.2M assets sit next to DILLON ($75.3M) 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 Schools 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
81 39th percentile higher than 39% 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 Schools - Share Insurance Coverage
Charter #1785's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Hawaii Schools
- Strongest edge vs 584 $50M–$100M peers is Delinquency Rate: -0.82 pp (0.14% vs 0.96%).
- Loan-to-Share Ratio trails the peer set - 34.54% here, 62.60% peer average (-28.06 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Hawaii Schools: in-state Call Report ranks
- Hawaii health ordinal: #27 of 45.
- Assets rank #28 of 45 inside Hawaii ($75.2M reported).
- Hawaii membership ordinal: #31 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 Schools: 2025Q4 → 2026Q1
Hawaii Schools: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $75.2M (2025Q4) to $76.7M (2026Q1).
- Net-worth ratio shifted -0.06 pp (13.51% → 13.45%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.45%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 1.7 pts
- Loan-to-Share Ratio 9.3 pts
Hawaii Schools vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.45% | -0.17 pp |
| Delinquency Rate | 0.14% | -0.82 pp |
| Return on Assets | 0.54% | -0.12 pp |
| Member Growth | -4.07% | - |
| Loan-to-Share Ratio | 34.54% | -28.06 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $76.7M | - |
| 2025Q4 | $75.2M | 3,345 |
| 2024Q4 | $75.9M | 3,487 |
| 2023Q4 | $72.4M | 3,546 |
Credit Union Details
- Charter Number
- 1785
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $50M–$100M
- State
- Hawaii
- City
- Honolulu
- Data Quarter
- 2025Q4
Branch Location
Hawaii Schools operates a single office in Honolulu, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Hawaii Schools FCU - Main (Main Office) | Honolulu, HI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Other-state peers near Hawaii Schools
Cross-state asset and health neighbours for Hawaii Schools - kept outside Hawaii; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($75.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Hawaii Schools ranks #2,574 of 4,374 nationally on financial health and #27 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Hawaii First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Hawaii First
- 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 Schools financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Hawaii Schools carries a financial health score of 81/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,574 of 4,374; by total assets it ranks #2,071 of 4,374 nationally (same basis as /rankings/largest); and #28 of 45 within Hawaii. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.45% net worth ratio and a 0.14% delinquency rate.
How does Hawaii Schools compare to other credit unions?
Hawaii Schools scores 81/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 Schools?
Hawaii Schools is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Hawaii Schools directly to confirm eligibility.
Is my money safe at Hawaii Schools?
Federal credit unions like Hawaii Schools 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 Schools's net worth ratio of 13.45% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Hawaii Schools offer compared to banks?
Credit unions like Hawaii Schools 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 Schools 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.