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
- CAMELS 91/100
- HEALTH 12.6%
- NW 0.87%
- DELQ 0.95%
- ROA $405.8M
- ASSETS 19,611
- MEM #933/4,374
- RANK Fort Community
- PHOTO 1830
Call Report peers
HONOLULU in the assets neighbourhood
HONOLULU's $405.8M assets sit next to Fort Community ($405.9M) 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.
HONOLULU 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
91 Top 23% higher than 77% 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
HONOLULU - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #1830. See our deposit-insurance coverage note.
Where HONOLULU diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 85.05% vs peer 72.20% (+12.85 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for HI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
HONOLULU Call Report trajectory
HONOLULU: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $405.8M (2025Q4) to $418.1M (2026Q1).
- Net-worth ratio shifted -0.09 pp (12.70% → 12.61%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for HONOLULU, both outside Hawaii so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($405.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
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
- 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 HONOLULU financially healthy?
HONOLULU has a financial health score of 91/100 (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 #933 of 4,374; by total assets it ranks #860 of 4,374 nationally (same basis as /rankings/largest); and #13 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 12.61% and delinquency rate of 0.87%.
How does HONOLULU compare to other credit unions?
On PlainCU's health composite, HONOLULU lands at 91/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 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?
Federal credit unions like HONOLULU 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. HONOLULU's net worth ratio of 12.61% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does HONOLULU offer compared to banks?
Credit unions like HONOLULU 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 HONOLULU 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.