Federal credit union · Honolulu, Hawaii · NCUA charter #1733
LOKAHI
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $698.9M
- Total assets
- 45,797
- Members
- 9.3%
- Net-worth ratio
LOKAHI scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $698.9M; members 45,797; net-worth ratio 9.30%; health rank #3,292 of 4,374; healthier than 24th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,292 of 4,374 health · 2025Q4LOKAHI · health 75/100 · $698.9M · 2025Q4
Call Report peers
LOKAHI in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
LOKAHI vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); LOKAHI sits in 75-79 with 502 others.
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
LOKAHI: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Delinquency Rate: -0.36 pp (0.51% vs 0.87%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -21.57 pp (62.33% vs 83.90%).
Where LOKAHI sits in Hawaii
- Hawaii health ordinal: #38 of 45.
- Hawaii assets place: #9 of 45.
- Membership ranks #7 of 45 among Hawaii CUs with a reported count (45,797 members).
- One place up in Hawaii, HAMAKUA (#37) scores 76/100, 1 point higher; one place down, KAHUKU (#39) scores 73/100, 2 points lower.
How LOKAHI's 5300 filing moved
LOKAHI: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $698.9M (2025Q4) to $709.3M (2026Q1).
- Net-worth ratio shifted -0.08 pp (9.38% → 9.30%).
9.30% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 75/100 score is built
LOKAHI gives up 25 points in total. Return on Assets costs the most, 11.2 of its 15; Delinquency Rate loses the least, 0.1.
- Net Worth Ratio 28.2 pts
- Delinquency Rate 24.9 pts
- Return on Assets 3.8 pts
- Member Growth 4.3 pts
- Loan-to-Share Ratio 13.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.30% | -1.88 pp |
| Delinquency Rate | 0.51% | -0.36 pp |
| Return on Assets | -0.08% | -0.58 pp |
| Member Growth | -2.61% | - |
| Loan-to-Share Ratio | 62.33% | -21.57 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
LOKAHI quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $709.3M | - |
| 2025Q4 | $698.9M | 45,797 |
| 2024Q4 | $673.7M | 47,025 |
| 2023Q4 | $673.0M | 48,157 |
Credit Union Details
- Charter Number
- 1733
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Hawaii
- City
- Honolulu
- Data Quarter
- 2025Q4
Branch Locations (7)
LOKAHI operates 7 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Pearl City Main (Main Office) | Pearl City, HI |
| Pearlridge | Aiea, HI |
| Kahala | Honolulu, HI |
| Kaneohe | Kaneohe, HI |
| Kapolei | Kapolei, HI |
| Mililani | Mililani, HI |
| Pearl City | Pearl City, HI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Hawaii
A look at other Hawaii credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- LOKAHI ranks #3,292 of 4,374 nationally on financial health and #38 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Hawaii Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Hawaii Community
Frequently Asked Questions
Is LOKAHI financially healthy?
On its 2025Q4 NCUA 5300 filing, LOKAHI scores 75/100 (Very Good), with a 9.30% net worth ratio and 0.51% of loans delinquent. It ranks #3,292 of 4,374 nationally on health and #38 of 45 in Hawaii.
How does LOKAHI compare to other credit unions?
LOKAHI scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.51% vs 0.87%). Its widest shortfall is loan-to-share ratio (62.33% vs 83.90%).
How can I join LOKAHI?
LOKAHI 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 LOKAHI directly for the exact boundaries and application steps.
Is my money safe at LOKAHI?
LOKAHI 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. LOKAHI's net worth ratio of 9.30% 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.