Federal credit union · Kahuku, Hawaii · NCUA charter #2275
KAHUKU
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $7.8M
- Total assets
- 2,099
- Members
- 14.8%
- Net-worth ratio
KAHUKU scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.8M; members 2,099; net-worth ratio 14.83%; health rank #3,398 of 4,374; healthier than 21st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,398 of 4,374 health · 2025Q4KAHUKU · health 73/100 · $7.8M · 2025Q4
Call Report peers
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KAHUKU vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); KAHUKU sits in 70-74 with 317 others.
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where KAHUKU diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 88.15% vs peer 63.60% (+24.55 pp).
- Largest lag: Delinquency Rate at 10.13% vs peer 1.81% (+8.32 pp).
Where KAHUKU sits in Hawaii
- Health composite ranks #39 of 45 among scored Hawaii credit unions.
- Assets rank #43 of 45 inside Hawaii ($7.8M reported).
- Membership ranks #34 of 45 among Hawaii CUs with a reported count (2,099 members).
- One place up in Hawaii, LOKAHI (#38) scores 75/100, 2 points higher; one place down, Hotel and Travel Industry (#40) scores 72/100, 1 point lower.
How KAHUKU's 5300 filing moved
KAHUKU: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $7.8M (2025Q4) to $8.0M (2026Q1).
- Net-worth ratio shifted -1.15 pp (15.98% → 14.83%).
14.83% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 73/100 score is built
KAHUKU gives up 27 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.3 pts
- Loan-to-Share Ratio 14.7 pts
Call Report ratios for KAHUKU
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.83% | -4.23 pp |
| Delinquency Rate | 10.13% | +8.32 pp |
| Return on Assets | 0.83% | +0.38 pp |
| Member Growth | 3.60% | - |
| Loan-to-Share Ratio | 88.15% | +24.55 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
KAHUKU quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.0M | - |
| 2025Q4 | $7.8M | 2,099 |
| 2024Q4 | $7.3M | 2,026 |
| 2023Q4 | $6.9M | 2,074 |
Credit Union Details
- Charter Number
- 2275
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Hawaii
- City
- Kahuku
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, KAHUKU runs one office.
| Office | City |
|---|---|
| Kahuku FCU (Main Office) | Kahuku, 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.
KAHUKU nationwide neighbourhoods
Similar health score
Using this data
- KAHUKU ranks #3,398 of 4,374 nationally on financial health and #39 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GLOVER is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GLOVER
Frequently Asked Questions
Is KAHUKU financially healthy?
KAHUKU has a financial health score of 73/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,398 of 4,374 nationally on health and #39 of 45 in Hawaii. Its net worth ratio is 14.83% and its delinquency rate 10.13%.
How does KAHUKU compare to other credit unions?
KAHUKU scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (88.15% vs 63.60%). Its widest shortfall is delinquency rate (10.13% vs 1.81%).
How can I join KAHUKU?
KAHUKU 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 KAHUKU directly for the exact boundaries and application steps.
Is my money safe at KAHUKU?
KAHUKU 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. KAHUKU's net worth ratio of 14.83% 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.