Federal credit union · Honolulu, Hawaii · NCUA charter #9115
Hotel and Travel Industry
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $39.3M
- Total assets
- 4,537
- Members
- 8.9%
- Net-worth ratio
Hotel and Travel Industry scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $39.3M; members 4,537; net-worth ratio 8.89%; health rank #3,493 of 4,374; healthier than 20th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,493 of 4,374 health · 2025Q4Hotel and Travel Industry · health 72/100 · $39.3M · 2025Q4
- NW 72/100
- DELQ 8.9%
- ROA 1.22%
- ASSETS 0.14%
- MEM $39.3M
- RANK 4,537
- PHOTO #3,493/4,374
- BOOK Blackhawk Area
- CHARTER 9115
Call Report peers
Hotel and Travel Industry in the assets neighbourhood
Hotel and Travel Industry's $39.3M assets sit next to Blackhawk Area ($39.3M) 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.
Hotel and Travel Industry 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
72 20th percentile higher than 20% 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
Hotel and Travel Industry - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #9115. See our deposit-insurance coverage note.
Peer-gap read for Hotel and Travel Industry
- Widest shortfall vs peers is Loan-to-Share Ratio: -14.41 pp (45.39% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Hawaii standing for Hotel and Travel Industry
- In Hawaii, health place is #40 of 45 on the same NCUA-ratio sort used nationally.
- Hawaii assets place: #33 of 45.
- Hawaii membership ordinal: #27 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.
How Hotel and Travel Industry's 5300 filing moved
Hotel and Travel Industry: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $39.3M (2025Q4) to $40.2M (2026Q1).
- Net-worth ratio shifted -0.15 pp (9.04% → 8.89%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.89%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 72/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 72.
- Net Worth Ratio 27.2 pts
- Delinquency Rate 18.4 pts
- Return on Assets 9.7 pts
- Member Growth 6.5 pts
- Loan-to-Share Ratio 10.2 pts
Hotel and Travel Industry health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.89% | -5.97 pp |
| Delinquency Rate | 1.22% | +0.07 pp |
| Return on Assets | 0.14% | -0.56 pp |
| Member Growth | -1.39% | - |
| Loan-to-Share Ratio | 45.39% | -14.41 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $40.2M | - |
| 2025Q4 | $39.3M | 4,537 |
| 2024Q4 | $39.7M | 4,601 |
| 2023Q4 | $38.6M | 4,665 |
Credit Union Details
- Charter Number
- 9115
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Hawaii
- City
- Honolulu
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Hotel and Travel Industry runs one office.
| Office | City |
|---|---|
| Main - Hotel and Travel Industry FCU (Main Office) | Honolulu, 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.
Hotel and Travel Industry nationwide neighbourhoods
Two NCUA Call Report peer sets for Hotel and Travel Industry, 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 ($39.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (72/100 here).
Using this data
- Hotel and Travel Industry ranks #3,493 of 4,374 nationally on financial health and #40 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Molokai Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Molokai Community
- 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 Hotel and Travel Industry financially healthy?
Hotel and Travel Industry scores 72/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,493 of 4,374; by total assets it ranks #2,624 of 4,374 nationally (same basis as /rankings/largest); and #33 of 45 within Hawaii. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.89% net worth ratio and a 1.22% delinquency rate.
How does Hotel and Travel Industry compare to other credit unions?
72/100 is Hotel and Travel Industry's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Hotel and Travel Industry?
Hotel and Travel Industry 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 Hotel and Travel Industry directly for the exact boundaries and application steps.
Is my money safe at Hotel and Travel Industry?
Federal credit unions like Hotel and Travel Industry 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. Hotel and Travel Industry's net worth ratio of 8.89% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Hotel and Travel Industry offer compared to banks?
Credit unions like Hotel and Travel Industry 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 Hotel and Travel Industry 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.