Federal credit union · Honolulu, Hawaii · NCUA charter #1815
HAWAIIUSA
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $2.64B
- Total assets
- 130,226
- Members
- 10.4%
- Net-worth ratio
HAWAIIUSA scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.64B; members 130,226; net-worth ratio 10.38%; health rank #1,834 of 4,374; healthier than 57th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,834 of 4,374 health · 2025Q4HAWAIIUSA · health 86/100 · $2.64B · 2025Q4
Call Report peers
HAWAIIUSA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
HAWAIIUSA vs every NCUA-scored credit union
HAWAIIUSA sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% 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 HAWAIIUSA
- Delinquency Rate leads the peer set - 0.47% here, 0.87% peer average (-0.41 pp).
- Loan-to-Share Ratio trails the peer set - 64.91% here, 83.90% peer average (-18.99 pp).
HAWAIIUSA in Hawaii
- Health composite ranks #13 of 45 among scored Hawaii credit unions.
- By total assets, HAWAIIUSA is #2 of 45 in Hawaii.
- Hawaii membership ordinal: #2 of 45.
- One place up in Hawaii, Hawaii Community (#12) scores 87/100, 1 point higher; one place down, Pearl Hawaii (#14) ties at 86/100.
HAWAIIUSA: 2025Q4 → 2026Q1
HAWAIIUSA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $2.64B (2025Q4) to $2.67B (2026Q1).
- Net-worth ratio shifted +0.06 pp (10.32% → 10.38%).
This credit union's 10.38% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
HAWAIIUSA gives up 14 points in total. Member Growth costs the most, 7.3 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 9.8 pts
- Member Growth 7.7 pts
- Loan-to-Share Ratio 13.5 pts
HAWAIIUSA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.38% | -0.80 pp |
| Delinquency Rate | 0.47% | -0.41 pp |
| Return on Assets | 0.15% | -0.36 pp |
| Member Growth | -0.70% | - |
| Loan-to-Share Ratio | 64.91% | -18.99 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
HAWAIIUSA filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.67B | - |
| 2025Q4 | $2.64B | 130,226 |
| 2024Q4 | $2.58B | 131,142 |
| 2023Q4 | $2.40B | 131,656 |
Credit Union Details
- Charter Number
- 1815
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Hawaii
- City
- Honolulu
- Data Quarter
- 2025Q4
Branch Locations (15)
Per its most recent NCUA branch filing, HAWAIIUSA runs 15 offices in 11 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Honolulu, HI |
| Aiea Branch | Aiea, HI |
| IEG Branch | Hilo, HI |
| Main Branch | Honolulu, HI |
| Kakaako Financial Center | Honolulu, HI |
| Kahala Branch | Honolulu, HI |
| Kahului Branch | Kahului, HI |
| Kaneohe Branch | Kaneohe, HI |
| Kapolei Branch | Kapolei, HI |
| Kihei Branch | Kihei, HI |
| Lihue Branch | Lihue, HI |
| Mililani Branch | Mililani, HI |
| Pearl City Branch | Pearl City, HI |
| Virtual Branch | Pearl City, HI |
| Waipahu Branch | 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 HAWAIIUSA
Similar total assets
Similar health score
Using this data
- HAWAIIUSA ranks #1,834 of 4,374 nationally on financial health and #13 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Hawaii State is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Hawaii State
Frequently Asked Questions
Is HAWAIIUSA financially healthy?
On its 2025Q4 NCUA 5300 filing, HAWAIIUSA scores 86/100 (Excellent), with a 10.38% net worth ratio and 0.47% of loans delinquent. It ranks #1,834 of 4,374 nationally on health and #13 of 45 in Hawaii.
How does HAWAIIUSA compare to other credit unions?
HAWAIIUSA scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.47% vs 0.87%). Its widest shortfall is loan-to-share ratio (64.91% vs 83.90%).
How can I join HAWAIIUSA?
HAWAIIUSA 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 HAWAIIUSA directly for the exact boundaries and application steps.
Is my money safe at HAWAIIUSA?
HAWAIIUSA 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. HAWAIIUSA's net worth ratio of 10.38% 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.