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
- DELQ 86/100
- ROA 10.4%
- ASSETS 0.47%
- MEM 0.15%
- RANK $2.64B
- PHOTO 130,226
- BOOK #1,834/4,374
- CHARTER Connecticut State Employees
- NCUSIF 1815
Call Report peers
HAWAIIUSA in the assets neighbourhood
HAWAIIUSA's $2.64B assets sit next to Connecticut State Employees ($2.64B) 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.
HAWAIIUSA 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
86 Top 43% higher than 57% 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
HAWAIIUSA - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #1815, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for HI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
HAWAIIUSA: 2025Q4 → 2026Q1
HAWAIIUSA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $2.64B (2025Q4) to $2.67B (2026Q1).
- Net-worth ratio shifted +0.06 pp (10.32% → 10.38%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- 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 |
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).
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
HAWAIIUSA's nationwide photo peers by assets and by health score, excluding Hawaii charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.64B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
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
- 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 HAWAIIUSA financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, HAWAIIUSA carries a financial health score of 86/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,834 of 4,374; by total assets it ranks #195 of 4,374 nationally (same basis as /rankings/largest); and #2 of 45 within Hawaii. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.38% net worth ratio and a 0.47% delinquency rate.
How does HAWAIIUSA compare to other credit unions?
PlainCU's health composite puts HAWAIIUSA at 86/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like HAWAIIUSA 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. HAWAIIUSA's net worth ratio of 10.38% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does HAWAIIUSA offer compared to banks?
Credit unions like HAWAIIUSA 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 HAWAIIUSA 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.