Federal credit union · Honolulu, Hawaii · NCUA charter #1785
Hawaii Schools
Health score 81/100 (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 - 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.
Hawaii Schools - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth11
- Liquidity (loan-to-share)61
Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 13.46%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.46% | 30% |
| Delinquency Rate | 0.14% | 25% |
| Return on Assets | 0.54% | 15% |
| Member Growth | -4.07% | 15% |
| Loan-to-Share Ratio | 34.54% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Hawaii Schools
Hawaii Schools is a federal credit union headquartered in Honolulu, Hawaii, serving 3,345 members with $75.2M in total assets and $22.8M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 81/100 (Excellent), anchored by a net worth ratio of 13.46% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #1785 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.14% measures loans 60+ days past due against total loans outstanding - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. The loan-to-share ratio of 34.54% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.54% on net income of $405K 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 -4.07%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Single Common Bond) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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 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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.46% 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 13.46% 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.
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.