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
- RANK 79/100
- PHOTO 9.1%
- BOOK 0.14%
- CHARTER 0.21%
- NCUSIF $98.5M
- CAMELS 6,285
- HEALTH #2,898/4,374
- NW SERVE
- DELQ 8435
Call Report peers
KO`OLAU in the assets neighbourhood
KO`OLAU's $98.5M assets sit next to SERVE ($98.5M) 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.
KO`OLAU 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
79 33rd percentile higher than 33% 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
KO`OLAU - Share Insurance Coverage
Charter #8435'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.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for HI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for KO`OLAU
KO`OLAU: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.4% from $98.5M (2025Q4) to $104.8M (2026Q1).
- Net-worth ratio shifted -0.31 pp (9.39% → 9.08%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- 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 |
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).
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
Two NCUA Call Report peer sets for KO`OLAU, 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 ($98.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
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
- 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 KO`OLAU financially healthy?
A 9.08% net worth ratio and a 0.14% delinquency rate feed into KO`OLAU's financial health score of 79/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,898 of 4,374; by total assets it ranks #1,834 of 4,374 nationally (same basis as /rankings/largest); and #25 of 45 within Hawaii. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does KO`OLAU compare to other credit unions?
Five weighted metrics from NCUA filings produce KO`OLAU's 79/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like KO`OLAU 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. KO`OLAU's net worth ratio of 9.08% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does KO`OLAU offer compared to banks?
Credit unions like KO`OLAU 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 KO`OLAU 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.