Federal credit union · Honolulu, Hawaii · NCUA charter #1718
Hawaii State
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $2.86B
- Total assets
- 138,321
- Members
- 9.4%
- Net-worth ratio
Hawaii State scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.86B; members 138,321; net-worth ratio 9.44%; health rank #1,513 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,513 of 4,374 health · 2025Q4Hawaii State · health 88/100 · $2.86B · 2025Q4
- PHOTO 88/100
- BOOK 9.4%
- CHARTER 1.24%
- NCUSIF 0.64%
- CAMELS $2.86B
- HEALTH 138,321
- NW #1,513/4,374
- DELQ Selco Community
- ROA 1718
Call Report peers
Hawaii State in the assets neighbourhood
Hawaii State's $2.86B assets sit next to Selco Community ($2.90B) 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 State 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
88 Top 35% higher than 65% 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 State - Share Insurance Coverage
Charter #1718'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.
Where Hawaii State diverges from peer averages
- Return on Assets leads the peer set - 0.64% here, 0.51% peer average (+0.13 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -26.62 pp (57.28% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Hawaii standing for Hawaii State
- In Hawaii, health place is #10 of 45 on the same NCUA-ratio sort used nationally.
- Assets rank #1 of 45 inside Hawaii ($2.86B reported).
- Member book place in Hawaii: #1 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.
How Hawaii State's 5300 filing moved
Hawaii State: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.6% from $2.86B (2025Q4) to $2.88B (2026Q1).
- Net-worth ratio shifted +0.27 pp (9.17% → 9.44%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.44% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 28.6 pts
- Delinquency Rate 18.2 pts
- Return on Assets 15.0 pts
- Member Growth 14.5 pts
- Loan-to-Share Ratio 11.7 pts
Hawaii State health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.44% | -1.74 pp |
| Delinquency Rate | 1.24% | +0.37 pp |
| Return on Assets | 0.64% | +0.13 pp |
| Member Growth | 4.56% | - |
| Loan-to-Share Ratio | 57.28% | -26.62 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - Hawaii State
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.88B | - |
| 2025Q4 | $2.86B | 138,321 |
| 2024Q4 | $2.70B | 132,291 |
| 2023Q4 | $2.38B | 128,823 |
Credit Union Details
- Charter Number
- 1718
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Over $500M
- State
- Hawaii
- City
- Honolulu
- Data Quarter
- 2025Q4
Branch Locations (15)
The NCUA branch filing lists 15 physical offices for Hawaii State, spread across 9 cities.
| Office | City |
|---|---|
| Headquarters Building (Main Office) | Honolulu, HI |
| Pearlridge Branch | Aiea, HI |
| Ewa Branch | Ewa Beach, HI |
| Headquarters Branch | Honolulu, HI |
| Kaimuki Branch | Honolulu, HI |
| Salt Lake Branch | Honolulu, HI |
| Hawaii Kai Branch at Safeway | Honolulu, HI |
| Kapahulu Branch at Safeway | Honolulu, HI |
| Keeaumoku Branch | Honolulu, HI |
| Kahului Branch | Kahului, HI |
| Kaneohe Branch | Kaneohe, HI |
| Kapolei Branch | Kapolei, HI |
| Kihei Branch at Safeway | Kihei, HI |
| Mililani Mauka Branch | Mililani, HI |
| Waikele Branch at Safeway | Waipahu, 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 State
Cross-state asset and health neighbours for Hawaii State - kept outside Hawaii; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.86B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Hawaii State ranks #1,513 of 4,374 nationally on financial health and #10 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HAWAIIUSA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HAWAIIUSA
- 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 State financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - Hawaii State's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,513 of 4,374; by total assets it ranks #174 of 4,374 nationally (same basis as /rankings/largest); and #1 of 45 within Hawaii. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.44% net worth ratio and 1.24% delinquency rate are the key drivers.
How does Hawaii State compare to other credit unions?
Five weighted metrics from NCUA filings produce Hawaii State's 88/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 State?
Hawaii State 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 State directly for the current list of qualifying groups.
Is my money safe at Hawaii State?
Federal credit unions like Hawaii State 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 State's net worth ratio of 9.44% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Hawaii State offer compared to banks?
Credit unions like Hawaii State 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 State 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.