Federal credit union · KAILUA, Hawaii · NCUA charter #8435
KO`OLAU
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $98.5M
- Total assets
- 6,285
- Members
- 9.1%
- Net-worth ratio
KO`OLAU scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $98.5M; members 6,285; net-worth ratio 9.08%; health rank #2,898 of 4,374; healthier than 33rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,898 of 4,374 health · 2025Q4KO`OLAU · health 79/100 · $98.5M · 2025Q4
Call Report peers
KO`OLAU in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
KO`OLAU vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); KO`OLAU sits in 75-79 with 502 others.
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
KO`OLAU vs $50M–$100M peers
- Largest favorable gap: Loan-to-Share Ratio at 66.87% vs peer 62.60% (+4.27 pp).
- Largest lag: Net Worth Ratio at 9.08% vs peer 13.62% (-4.54 pp).
KO`OLAU in Hawaii
- In Hawaii, health place is #33 of 45 on the same NCUA-ratio sort used nationally.
- By total assets, KO`OLAU is #25 of 45 in Hawaii.
- Membership ranks #22 of 45 among Hawaii CUs with a reported count (6,285 members).
- One place up in Hawaii, SCHOFIELD (#32) ties at 79/100; one place down, Hawaii Central (#34) scores 78/100, 1 point lower.
Quarter path for KO`OLAU
KO`OLAU: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.4% from $98.5M (2025Q4) to $104.8M (2026Q1).
- Net-worth ratio shifted -0.31 pp (9.39% → 9.08%).
This credit union's 9.08% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 79/100 score is built
KO`OLAU gives up 21 points in total. Member Growth costs the most, 13.4 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 27.7 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.6 pts
- Member Growth 1.6 pts
- Loan-to-Share Ratio 14.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.08% | -4.54 pp |
| Delinquency Rate | 0.14% | -0.82 pp |
| Return on Assets | 0.21% | -0.45 pp |
| Member Growth | -4.09% | - |
| Loan-to-Share Ratio | 66.87% | +4.27 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $104.8M | - |
| 2025Q4 | $98.5M | 6,285 |
| 2024Q4 | $92.8M | 6,553 |
| 2023Q4 | $88.5M | 6,666 |
Credit Union Details
- Charter Number
- 8435
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Hawaii
- City
- KAILUA
- Data Quarter
- 2025Q4
Branch Locations (4)
KO`OLAU operates 4 offices across 3 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MAIN BRANCH (Main Office) | KAILUA, HI |
| Fiserv Portico Core | Brookfield, WI |
| DISASTER RECOVERY | HONOLULU, HI |
| KAILUA BRANCH | KAILUA, 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.
Cross-state Call Report peers for KO`OLAU
Using this data
- KO`OLAU ranks #2,898 of 4,374 nationally on financial health and #33 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Honolulu Fire Department is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Honolulu Fire Department
Frequently Asked Questions
Is KO`OLAU financially healthy?
KO`OLAU has a financial health score of 79/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,898 of 4,374 nationally on health and #33 of 45 in Hawaii. Its net worth ratio is 9.08% and its delinquency rate 0.14%.
How does KO`OLAU compare to other credit unions?
KO`OLAU scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (66.87% vs 62.60%). Its widest shortfall is net worth ratio (9.08% vs 13.62%).
How can I join KO`OLAU?
KO`OLAU 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 KO`OLAU directly for the exact boundaries and application steps.
Is my money safe at KO`OLAU?
KO`OLAU 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. KO`OLAU's net worth ratio of 9.08% 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.