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
- CHARTER 85/100
- NCUSIF 13.8%
- CAMELS 0.09%
- HEALTH 0.71%
- NW $79.7M
- DELQ 4,003
- ROA #1,938/4,374
- ASSETS Credit Union of Atlanta
- MEM 10399
Call Report peers
KAHULUI in the assets neighbourhood
KAHULUI's $79.7M assets sit next to Credit Union of Atlanta ($79.7M) 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.
KAHULUI 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
85 Top 46% higher than 54% 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
KAHULUI - Share Insurance Coverage
Charter #10399's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for HI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
KAHULUI Call Report trajectory
KAHULUI: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.2% from $79.7M (2025Q4) to $79.5M (2026Q1).
- Net-worth ratio shifted +0.11 pp (13.65% → 13.76%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Two NCUA Call Report peer sets for KAHULUI, 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 ($79.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
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
- 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 KAHULUI financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, KAHULUI carries a financial health score of 85/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,938 of 4,374; by total assets it ranks #2,021 of 4,374 nationally (same basis as /rankings/largest); and #27 of 45 within Hawaii. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.76% net worth ratio and a 0.09% delinquency rate.
How does KAHULUI compare to other credit unions?
On PlainCU's health composite, KAHULUI lands at 85/100, compared to a peer group average for $50M–$100M 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 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?
Federal credit unions like KAHULUI 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. KAHULUI's net worth ratio of 13.76% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does KAHULUI offer compared to banks?
Credit unions like KAHULUI 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 KAHULUI 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.