Federal credit union · Lihue, Hawaii · NCUA charter #2577
Kauai Ohana
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $61.6M
- Total assets
- 3,927
- Members
- 8.7%
- Net-worth ratio
Kauai Ohana scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $61.6M; members 3,927; net-worth ratio 8.70%; health rank #425 of 4,374; healthier than 90th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#425 of 4,374 health · 2025Q4Kauai Ohana · health 95/100 · $61.6M · 2025Q4
Call Report peers
Kauai Ohana in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Kauai Ohana vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Kauai Ohana sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Kauai Ohana: Call Report deltas vs peers
- Strongest edge vs 584 $50M–$100M peers is Delinquency Rate: -0.50 pp (0.47% vs 0.96%).
- Widest shortfall vs peers is Net Worth Ratio: -4.92 pp (8.70% vs 13.62%).
Where Kauai Ohana sits in Hawaii
- In Hawaii, health place is #3 of 45 on the same NCUA-ratio sort used nationally.
- By total assets, Kauai Ohana is #30 of 45 in Hawaii.
- Membership ranks #30 of 45 among Hawaii CUs with a reported count (3,927 members).
- One place up in Hawaii, WAILUKU (#2) scores 96/100, 1 point higher; one place down, HAWAII (#4) scores 93/100, 2 points lower.
Kauai Ohana: 2025Q4 → 2026Q1
Kauai Ohana: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $61.6M (2025Q4) to $63.2M (2026Q1).
- Net-worth ratio shifted -0.17 pp (8.87% → 8.70%).
8.70% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 95/100 score is built
Kauai Ohana gives up 5 points in total. Net Worth Ratio costs the most, 3.3 of its 30; Delinquency Rate and Return on Assets and Member Growth score full marks.
- Net Worth Ratio 26.7 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.3 pts
Call Report ratios for Kauai Ohana
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.70% | -4.92 pp |
| Delinquency Rate | 0.47% | -0.50 pp |
| Return on Assets | 0.77% | +0.11 pp |
| Member Growth | 5.51% | - |
| Loan-to-Share Ratio | 61.74% | -0.86 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Kauai Ohana filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $63.2M | - |
| 2025Q4 | $61.6M | 3,927 |
| 2024Q4 | $52.5M | 3,722 |
| 2023Q4 | $48.0M | 3,528 |
Credit Union Details
- Charter Number
- 2577
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Hawaii
- City
- Lihue
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Kauai Ohana runs 2 offices.
| Office | City |
|---|---|
| Kauai Ohana FCU (Main Office) | Lihue, HI |
| Kauai FCU | Lihue, 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.
Nationwide credit unions with similar profiles
Using this data
- Kauai Ohana ranks #425 of 4,374 nationally on financial health and #3 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Hawaii First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Hawaii First
Frequently Asked Questions
Is Kauai Ohana financially healthy?
Kauai Ohana has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #425 of 4,374 nationally on health and #3 of 45 in Hawaii. Its net worth ratio is 8.70% and its delinquency rate 0.47%.
How does Kauai Ohana compare to other credit unions?
Kauai Ohana scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.47% vs 0.96%). Its widest shortfall is net worth ratio (8.70% vs 13.62%).
How can I join Kauai Ohana?
Kauai Ohana 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 Kauai Ohana directly for the exact boundaries and application steps.
Is my money safe at Kauai Ohana?
Kauai Ohana 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 Ohana's net worth ratio of 8.70% 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.