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
Call Report peers
Hawaii Schools in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Hawaii Schools sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Hawaii, Molokai Community (#26) ties at 81/100; one place down, Big Island (#28) ties at 81/100.
Hawaii Schools: 2025Q4 → 2026Q1
Hawaii Schools: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $75.2M (2025Q4) to $76.7M (2026Q1).
- Net-worth ratio shifted -0.06 pp (13.51% → 13.45%).
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
Hawaii Schools gives up 19 points in total. Member Growth costs the most, 13.3 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Hawaii Schools financially healthy?
Hawaii Schools has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,574 of 4,374 nationally on health and #27 of 45 in Hawaii. Its net worth ratio is 13.45% and its delinquency rate 0.14%.
How does Hawaii Schools compare to other credit unions?
Hawaii Schools scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.14% vs 0.96%). Its widest shortfall is loan-to-share ratio (34.54% vs 62.60%).
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?
Hawaii Schools 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 Schools's net worth ratio of 13.45% 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.