Federal credit union · HILO, Hawaii · NCUA charter #1829
HFS
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $1.07B
- Total assets
- 55,513
- Members
- 9.0%
- Net-worth ratio
HFS scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.07B; members 55,513; net-worth ratio 9.03%; health rank #2,479 of 4,374; healthier than 43rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,479 of 4,374 health · 2025Q4HFS · health 82/100 · $1.07B · 2025Q4
- MEM 82/100
- RANK 9.0%
- PHOTO 1.42%
- BOOK 0.68%
- CHARTER $1.07B
- NCUSIF 55,513
- CAMELS #2,479/4,374
- HEALTH VELOCITY
- NW 1829
HFS in the assets neighbourhood
HFS's $1.07B assets sit next to VELOCITY ($1.07B) 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.
HFS 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
82 43rd percentile higher than 43% 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
HFS - Share Insurance Coverage
Charter #1829'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.
Peer-gap read for HFS
- Return on Assets leads the peer set - 0.68% here, 0.51% peer average (+0.17 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -36.01 pp (47.89% 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 HFS
- Health composite ranks #25 of 45 among scored Hawaii credit unions.
- Assets rank #5 of 45 inside Hawaii ($1.07B reported).
- Hawaii membership ordinal: #4 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.
Quarter path for HFS
HFS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $1.07B (2025Q4) to $1.10B (2026Q1).
- Net-worth ratio shifted -0.02 pp (9.05% → 9.03%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.03% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 27.6 pts
- Delinquency Rate 16.9 pts
- Return on Assets 15.0 pts
- Member Growth 12.6 pts
- Loan-to-Share Ratio 9.9 pts
HFS health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.03% | -2.15 pp |
| Delinquency Rate | 1.42% | +0.54 pp |
| Return on Assets | 0.68% | +0.17 pp |
| Member Growth | 3.04% | - |
| Loan-to-Share Ratio | 47.89% | -36.01 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.10B | - |
| 2025Q4 | $1.07B | 55,513 |
| 2024Q4 | $927.6M | 53,875 |
| 2023Q4 | $861.4M | 52,563 |
Credit Union Details
- Charter Number
- 1829
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Hawaii
- City
- HILO
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for HFS, spread across 5 cities.
| Office | City |
|---|---|
| HILO OFFICE (Main Office) | HILO, HI |
| PRINCE KUHIO PLAZA OFFICE | HILO, HI |
| HONOKAA | HONOKAA, HI |
| KONA COAST SHOPPING CENTER OFFICE | KAILUA KONA, HI |
| WAIMEA CENTER OFFICE | KAMUELA, HI |
| KEA'AU OFFICE | KEAAU, 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.
HFS nationwide neighbourhoods
HFS's nationwide photo peers by assets and by health score, excluding Hawaii charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.07B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- HFS ranks #2,479 of 4,374 nationally on financial health and #25 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Hawaiian Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Hawaiian Financial
- 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 HFS financially healthy?
HFS has a financial health score of 82/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,479 of 4,374; by total assets it ranks #445 of 4,374 nationally (same basis as /rankings/largest); and #5 of 45 within Hawaii. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.03% and delinquency rate of 1.42%.
How does HFS compare to other credit unions?
PlainCU's health composite puts HFS at 82/100, 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 HFS?
HFS 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 HFS directly for the exact boundaries and application steps.
Is my money safe at HFS?
Federal credit unions like HFS 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. HFS's net worth ratio of 9.03% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does HFS offer compared to banks?
Credit unions like HFS 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 HFS 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.