Federal credit union · Honolulu, Hawaii · NCUA charter #1717
Hawaiian Financial
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $1.10B
- Total assets
- 52,228
- Members
- 11.7%
- Net-worth ratio
Hawaiian Financial scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.10B; members 52,228; net-worth ratio 11.73%; health rank #2,118 of 4,374; healthier than 50th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,118 of 4,374 health · 2025Q4Hawaiian Financial · health 84/100 · $1.10B · 2025Q4
Call Report peers
Hawaiian Financial in the assets neighbourhood
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Hawaiian Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Hawaiian Financial sits in 80-84 with 767 others.
84 Top 50% higher than 50% 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 Hawaiian Financial
- Largest favorable gap: Delinquency Rate at 0.08% vs peer 0.87% (-0.80 pp).
- Largest lag: Loan-to-Share Ratio at 60.06% vs peer 83.90% (-23.84 pp).
Hawaii standing for Hawaiian Financial
- In Hawaii, health place is #21 of 45 on the same NCUA-ratio sort used nationally.
- Assets rank #4 of 45 inside Hawaii ($1.10B reported).
- Hawaii membership ordinal: #5 of 45.
- One place up in Hawaii, Valley Isle Community (#20) scores 85/100, 1 point higher; one place down, Hawaiian Electric Employees (#22) scores 83/100, 1 point lower.
Quarter path for Hawaiian Financial
Hawaiian Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $1.10B (2025Q4) to $1.11B (2026Q1).
- Net-worth ratio shifted +0.12 pp (11.61% → 11.73%).
11.73% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
Hawaiian Financial gives up 16 points in total. Member Growth costs the most, 12.3 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.2 pts
- Member Growth 2.7 pts
- Loan-to-Share Ratio 13.1 pts
Hawaiian Financial vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.73% | +0.55 pp |
| Delinquency Rate | 0.08% | -0.80 pp |
| Return on Assets | 0.38% | -0.13 pp |
| Member Growth | -3.51% | - |
| Loan-to-Share Ratio | 60.06% | -23.84 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Hawaiian Financial quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.11B | - |
| 2025Q4 | $1.10B | 52,228 |
| 2024Q4 | $1.02B | 54,129 |
| 2023Q4 | $963.2M | 55,664 |
Credit Union Details
- Charter Number
- 1717
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Hawaii
- City
- Honolulu
- Data Quarter
- 2025Q4
Branch Locations (10)
Per its most recent NCUA branch filing, Hawaiian Financial runs 10 offices in 5 different cities.
| Office | City |
|---|---|
| Main (Main Office) | Honolulu, HI |
| Kaimuki | Honolulu, HI |
| Sheraton | Honolulu, HI |
| Board of Water Supply | Honolulu, HI |
| Hawaiian Airlines | Honolulu, HI |
| Kuakini | Honolulu, HI |
| Maui | Kahului, HI |
| Kapolei | Kapolei, HI |
| Pearl City | Pearl City, HI |
| Kunia | Waipahu, HI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Hawaii
Other federally-insured credit unions in Hawaii, closest first by peer group and asset size.
Cross-state Call Report peers for Hawaiian Financial
Similar total assets
Using this data
- Hawaiian Financial ranks #2,118 of 4,374 nationally on financial health and #21 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HFS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HFS
Frequently Asked Questions
Is Hawaiian Financial financially healthy?
Hawaiian Financial has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,118 of 4,374 nationally on health and #21 of 45 in Hawaii. Its net worth ratio is 11.73% and its delinquency rate 0.08%.
How does Hawaiian Financial compare to other credit unions?
Hawaiian Financial scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.08% vs 0.87%). Its widest shortfall is loan-to-share ratio (60.06% vs 83.90%).
How can I join Hawaiian Financial?
Hawaiian Financial operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Hawaiian Financial directly for the exact boundaries and application steps.
Is my money safe at Hawaiian Financial?
Hawaiian Financial 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. Hawaiian Financial's net worth ratio of 11.73% 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.