Federal credit union · Lihue, Hawaii · NCUA charter #5487
KAUAI
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $196.3M
- Total assets
- 7,769
- Members
- 8.3%
- Net-worth ratio
KAUAI scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $196.3M; members 7,769; net-worth ratio 8.35%; health rank #3,964 of 4,374; healthier than 9th of scored peers.
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NCUA 5300 Call Report Masthead
#3,964 of 4,374 health · 2025Q4KAUAI · health 63/100 · $196.3M · 2025Q4
Call Report peers
KAUAI in the assets neighbourhood
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KAUAI vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); KAUAI sits in 60-64 with 179 others.
63 9th percentile higher than 9% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where KAUAI diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +36.83 pp (109.03% vs 72.20%).
- Net Worth Ratio trails the peer set - 8.35% here, 12.11% peer average (-3.76 pp).
Where KAUAI sits in Hawaii
- In Hawaii, health place is #42 of 45 on the same NCUA-ratio sort used nationally.
- Assets rank #16 of 45 inside Hawaii ($196.3M reported).
- Membership ranks #19 of 45 among Hawaii CUs with a reported count (7,769 members).
- One place up in Hawaii, Hawaii First (#41) scores 69/100, 6 points higher; one place down, Plumbers & Fitters Local 675 (#43) scores 62/100, 1 point lower.
KAUAI Call Report trajectory
KAUAI: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $196.3M (2025Q4) to $197.7M (2026Q1).
- Net-worth ratio shifted +0.06 pp (8.29% → 8.35%).
At 8.35%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 63/100 score is built
KAUAI gives up 37 points in total. Return on Assets costs the most, 15 of its 15; Delinquency Rate loses the least, 3.8.
- Net Worth Ratio 25.9 pts
- Delinquency Rate 21.2 pts
- Return on Assets 0.0 pts
- Member Growth 8.5 pts
- Loan-to-Share Ratio 7.4 pts
KAUAI vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.35% | -3.76 pp |
| Delinquency Rate | 0.88% | -0.01 pp |
| Return on Assets | -1.28% | -1.90 pp |
| Member Growth | -0.27% | - |
| Loan-to-Share Ratio | 109.03% | +36.83 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
KAUAI quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $197.7M | - |
| 2025Q4 | $196.3M | 7,769 |
| 2024Q4 | $198.3M | 7,790 |
| 2023Q4 | $169.2M | 7,444 |
Credit Union Details
- Charter Number
- 5487
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- Hawaii
- City
- Lihue
- Data Quarter
- 2025Q4
Branch Locations (3)
KAUAI operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Branch (Main Office) | Lihue, HI |
| Kalukalu - Branch Kapaa | Kapaa, HI |
| Kilauea Branch | Kilauea, 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
Using this data
- KAUAI ranks #3,964 of 4,374 nationally on financial health and #42 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Big Island is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Big Island
Frequently Asked Questions
Is KAUAI financially healthy?
KAUAI has a financial health score of 63/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,964 of 4,374 nationally on health and #42 of 45 in Hawaii. Its net worth ratio is 8.35% and its delinquency rate 0.88%.
How does KAUAI compare to other credit unions?
KAUAI scores 63/100, higher than 9% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (109.03% vs 72.20%). Its widest shortfall is net worth ratio (8.35% vs 12.11%).
How can I join KAUAI?
KAUAI 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 KAUAI directly for the current list of qualifying groups.
Is my money safe at KAUAI?
KAUAI 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. KAUAI's net worth ratio of 8.35% 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.