Federal credit union · Honolulu, Hawaii · NCUA charter #1830
HONOLULU
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $405.8M
- Total assets
- 19,611
- Members
- 12.6%
- Net-worth ratio
HONOLULU scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $405.8M; members 19,611; net-worth ratio 12.61%; health rank #933 of 4,374; healthier than 77th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#933 of 4,374 health · 2025Q4HONOLULU · health 91/100 · $405.8M · 2025Q4
Call Report peers
HONOLULU in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
HONOLULU vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); HONOLULU sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where HONOLULU diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 85.05% vs peer 72.20% (+12.85 pp).
Where HONOLULU sits in Hawaii
- In Hawaii, health place is #5 of 45 on the same NCUA-ratio sort used nationally.
- Assets rank #13 of 45 inside Hawaii ($405.8M reported).
- Membership ranks #13 of 45 among Hawaii CUs with a reported count (19,611 members).
- One place up in Hawaii, HAWAII (#4) scores 93/100, 2 points higher; one place down, Cu Hawaii (#6) ties at 91/100.
HONOLULU Call Report trajectory
HONOLULU: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $405.8M (2025Q4) to $418.1M (2026Q1).
- Net-worth ratio shifted -0.09 pp (12.70% → 12.61%).
At 12.61%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
HONOLULU gives up 9 points in total. Member Growth costs the most, 5.8 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.3 pts
- Return on Assets 15.0 pts
- Member Growth 9.2 pts
- Loan-to-Share Ratio 15.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.61% | +0.50 pp |
| Delinquency Rate | 0.87% | -0.03 pp |
| Return on Assets | 0.95% | +0.33 pp |
| Member Growth | 0.18% | - |
| Loan-to-Share Ratio | 85.05% | +12.85 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
HONOLULU quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $418.1M | - |
| 2025Q4 | $405.8M | 19,611 |
| 2024Q4 | $393.2M | 19,576 |
| 2023Q4 | $384.7M | 18,376 |
Credit Union Details
- Charter Number
- 1830
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- Hawaii
- City
- Honolulu
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for HONOLULU, spread across 2 cities.
| Office | City |
|---|---|
| Moiliili Branch (Main Office) | Honolulu, HI |
| Ewa Branch | Ewa Beach, HI |
| Federal Building | Honolulu, HI |
| Airport Branch | Honolulu, HI |
| Tripler Branch | Honolulu, 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 HONOLULU
Using this data
- HONOLULU ranks #933 of 4,374 nationally on financial health and #5 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cu Hawaii is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cu Hawaii
Frequently Asked Questions
Is HONOLULU financially healthy?
HONOLULU has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #933 of 4,374 nationally on health and #5 of 45 in Hawaii. Its net worth ratio is 12.61% and its delinquency rate 0.87%.
How does HONOLULU compare to other credit unions?
HONOLULU scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (85.05% vs 72.20%).
How can I join HONOLULU?
HONOLULU serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact HONOLULU directly for the current list of qualifying groups.
Is my money safe at HONOLULU?
HONOLULU 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. HONOLULU's net worth ratio of 12.61% 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.