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
Call Report peers
Hawaii State in the assets neighbourhood
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Hawaii State vs every NCUA-scored credit union
Hawaii State sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Hawaii, GATHER (#9) ties at 88/100; one place down, University of Hawaii (#11) scores 87/100, 1 point lower.
How Hawaii State's 5300 filing moved
Hawaii State: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $2.86B (2025Q4) to $2.88B (2026Q1).
- Net-worth ratio shifted +0.27 pp (9.17% → 9.44%).
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
Hawaii State gives up 12 points in total. Delinquency Rate costs the most, 6.8 of its 25; Return on Assets scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Hawaii State financially healthy?
On its 2025Q4 NCUA 5300 filing, Hawaii State scores 88/100 (Excellent), with a 9.44% net worth ratio and 1.24% of loans delinquent. It ranks #1,513 of 4,374 nationally on health and #10 of 45 in Hawaii.
How does Hawaii State compare to other credit unions?
Hawaii State scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is return on assets (0.64% vs 0.51%). Its widest shortfall is loan-to-share ratio (57.28% vs 83.90%).
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?
Hawaii State 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 State's net worth ratio of 9.44% 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.