Federal credit union · Honolulu, Hawaii · NCUA charter #1880
Honolulu Fire Department
Health score 90/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $87.9M
- Total assets
- 6,214
- Members
- 10.8%
- Net-worth ratio
Honolulu Fire Department - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #1880, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Honolulu Fire Department - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)89
- Earnings (ROA)77
- Member growth77
- Liquidity (loan-to-share)100
Weighted composite: 90/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.76% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.76% | 30% |
| Delinquency Rate | 0.78% | 25% |
| Return on Assets | 0.27% | 15% |
| Member Growth | 2.07% | 15% |
| Loan-to-Share Ratio | 72.73% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $87.9M | 6,214 |
| 2024Q4 | $88.5M | 6,088 |
| 2023Q4 | $92.7M | 5,966 |
Credit Union Details
- Charter Number
- 1880
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $50M–$100M
- State
- Hawaii
- City
- Honolulu
- Data Quarter
- 2025Q4
What This Data Says About Honolulu Fire Department
Headquartered in Honolulu, Hawaii, Honolulu Fire Department is a federal credit union with 6,214 members, $87.9M in total assets, and $56.0M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 90/100 (Excellent), driven in part by a net worth ratio of 10.76% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #1880 and reports within peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
0.78% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Deposit deployment is captured by the 72.73% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.27% on net income of $234K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 2.07%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Multiple Common Bond) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Hawaii
A look at other Hawaii credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Honolulu Fire Department financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Honolulu Fire Department carries a financial health score of 90/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.76% net worth ratio and a 0.78% delinquency rate.
How does Honolulu Fire Department compare to other credit unions?
Honolulu Fire Department scores 90/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Fire Department?
Honolulu Fire Department 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 Fire Department directly for the current list of qualifying groups.
Is my money safe at Honolulu Fire Department?
Federal credit unions like Honolulu Fire Department 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 Fire Department's net worth ratio of 10.76% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Honolulu Fire Department offer compared to banks?
Credit unions like Honolulu Fire Department 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 Fire Department directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.