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
- PHOTO 95/100
- BOOK 8.7%
- CHARTER 0.47%
- NCUSIF 0.77%
- CAMELS $61.6M
- HEALTH 3,927
- NW #425/4,374
- DELQ CRANBERRY
- ROA 2577
Call Report peers
Kauai Ohana in the assets neighbourhood
Kauai Ohana's $61.6M assets sit next to CRANBERRY ($61.6M) 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.
Kauai Ohana 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
95 Top 10% higher than 90% 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
Kauai Ohana - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #2577 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for HI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Kauai Ohana: 2025Q4 → 2026Q1
Kauai Ohana: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $61.6M (2025Q4) to $63.2M (2026Q1).
- Net-worth ratio shifted -0.17 pp (8.87% → 8.70%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- 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 |
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).
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
Kauai Ohana's nationwide photo peers by assets and by health score, excluding Hawaii charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($61.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
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
- 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 Kauai Ohana financially healthy?
Kauai Ohana has a financial health score of 95/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #425 of 4,374; by total assets it ranks #2,235 of 4,374 nationally (same basis as /rankings/largest); and #30 of 45 within Hawaii. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.70% and delinquency rate of 0.47%.
How does Kauai Ohana compare to other credit unions?
On PlainCU's health composite, Kauai Ohana lands at 95/100, 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 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?
Federal credit unions like Kauai Ohana 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. Kauai Ohana's net worth ratio of 8.70% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Kauai Ohana offer compared to banks?
Credit unions like Kauai Ohana 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 Kauai Ohana 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.