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
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
The busiest band is 85-89 (858 credit unions); HFS sits in 80-84 with 767 others.
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
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%).
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.
- One place up in Hawaii, EWA (#24) ties at 82/100; one place down, Molokai Community (#26) scores 81/100, 1 point lower.
Quarter path for HFS
HFS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $1.07B (2025Q4) to $1.10B (2026Q1).
- Net-worth ratio shifted -0.02 pp (9.05% → 9.03%).
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
HFS gives up 18 points in total. Delinquency Rate costs the most, 8.1 of its 25; Return on Assets scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is HFS financially healthy?
HFS has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,479 of 4,374 nationally on health and #25 of 45 in Hawaii. Its net worth ratio is 9.03% and its delinquency rate 1.42%.
How does HFS compare to other credit unions?
HFS scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is return on assets (0.68% vs 0.51%). Its widest shortfall is loan-to-share ratio (47.89% vs 83.90%).
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?
HFS 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. HFS's net worth ratio of 9.03% 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.