Federal credit union · KAHULUI, Hawaii · NCUA charter #10399
KAHULUI
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $79.7M
- Total assets
- 4,003
- Members
- 13.8%
- Net-worth ratio
KAHULUI scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $79.7M; members 4,003; net-worth ratio 13.76%; health rank #1,938 of 4,374; healthier than 54th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,938 of 4,374 health · 2025Q4KAHULUI · health 85/100 · $79.7M · 2025Q4
Call Report peers
KAHULUI in the assets neighbourhood
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KAHULUI vs every NCUA-scored credit union
KAHULUI sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
KAHULUI: Call Report deltas vs peers
- Strongest edge vs 584 $50M–$100M peers is Delinquency Rate: -0.87 pp (0.09% vs 0.96%).
- Loan-to-Share Ratio trails the peer set - 40.61% here, 62.60% peer average (-21.99 pp).
KAHULUI: in-state Call Report ranks
- Health composite ranks #16 of 45 among scored Hawaii credit unions.
- By total assets, KAHULUI is #27 of 45 in Hawaii.
- Membership ranks #29 of 45 among Hawaii CUs with a reported count (4,003 members).
- One place up in Hawaii, Aloha Pacific (#15) scores 86/100, 1 point higher; one place down, Garden Island (#17) ties at 85/100.
KAHULUI Call Report trajectory
KAHULUI: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.2% from $79.7M (2025Q4) to $79.5M (2026Q1).
- Net-worth ratio shifted +0.11 pp (13.65% → 13.76%).
At 13.76%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
KAHULUI gives up 15 points in total. Member Growth costs the most, 9.3 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.7 pts
- Loan-to-Share Ratio 9.3 pts
KAHULUI vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.76% | +0.14 pp |
| Delinquency Rate | 0.09% | -0.87 pp |
| Return on Assets | 0.71% | +0.06 pp |
| Member Growth | -1.82% | - |
| Loan-to-Share Ratio | 40.61% | -21.99 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - KAHULUI
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $79.5M | - |
| 2025Q4 | $79.7M | 4,003 |
| 2024Q4 | $73.8M | 4,077 |
| 2023Q4 | $78.0M | 3,604 |
Credit Union Details
- Charter Number
- 10399
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Hawaii
- City
- KAHULUI
- Data Quarter
- 2025Q4
Branch Location
KAHULUI operates a single office in Kahului, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Kahului FCU (Main Office) | Kahului, 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.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- KAHULUI ranks #1,938 of 4,374 nationally on financial health and #16 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Hawaii Schools is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Hawaii Schools
Frequently Asked Questions
Is KAHULUI financially healthy?
On its 2025Q4 NCUA 5300 filing, KAHULUI scores 85/100 (Excellent), with a 13.76% net worth ratio and 0.09% of loans delinquent. It ranks #1,938 of 4,374 nationally on health and #16 of 45 in Hawaii.
How does KAHULUI compare to other credit unions?
KAHULUI scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.09% vs 0.96%). Its widest shortfall is loan-to-share ratio (40.61% vs 62.60%).
How can I join KAHULUI?
KAHULUI 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 KAHULUI directly for the exact boundaries and application steps.
Is my money safe at KAHULUI?
KAHULUI 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. KAHULUI's net worth ratio of 13.76% 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.