Federal credit union · Wailuku, Hawaii · NCUA charter #1866
Maui County
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $475.5M
- Total assets
- 20,705
- Members
- 14.0%
- Net-worth ratio
Maui County scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $475.5M; members 20,705; net-worth ratio 14.00%; health rank #3,078 of 4,374; healthier than 28th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,078 of 4,374 health · 2025Q4Maui County · health 77/100 · $475.5M · 2025Q4
- BOOK 77/100
- CHARTER 14.0%
- NCUSIF 2.10%
- CAMELS 0.49%
- HEALTH $475.5M
- NW 20,705
- DELQ #3,078/4,374
- ROA Midsouth Community
- ASSETS 1866
Call Report peers
Maui County in the assets neighbourhood
Maui County's $475.5M assets sit next to Midsouth Community ($475.6M) 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.
Maui County 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
77 28th percentile higher than 28% 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
Maui County - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #1866: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Maui County vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +1.89 pp (14.00% vs 12.11%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -16.73 pp (55.47% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Maui County in Hawaii
- Health composite ranks #36 of 45 among scored Hawaii credit unions.
- Assets rank #11 of 45 inside Hawaii ($475.5M reported).
- Hawaii membership ordinal: #12 of 45.
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 Maui County
Maui County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $475.5M (2025Q4) to $479.5M (2026Q1).
- Net-worth ratio shifted +0.05 pp (13.95% → 14.00%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.00% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 11.9 pts
- Return on Assets 14.8 pts
- Member Growth 8.8 pts
- Loan-to-Share Ratio 11.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.00% | +1.89 pp |
| Delinquency Rate | 2.10% | +1.21 pp |
| Return on Assets | 0.49% | -0.14 pp |
| Member Growth | -0.11% | - |
| Loan-to-Share Ratio | 55.47% | -16.73 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $479.5M | - |
| 2025Q4 | $475.5M | 20,705 |
| 2024Q4 | $448.5M | 20,728 |
| 2023Q4 | $445.2M | 20,423 |
Credit Union Details
- Charter Number
- 1866
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Hawaii
- City
- Wailuku
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Maui County runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Wailuku Branch (Main Office) | Wailuku, HI |
| Branch Office - MMP | Kahului, 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.
Other-state peers near Maui County
Cross-state asset and health neighbours for Maui County - kept outside Hawaii; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($475.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- Maui County ranks #3,078 of 4,374 nationally on financial health and #36 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cu Hawaii is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cu Hawaii
- 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 Maui County financially healthy?
Yes/no aside, the number is 77/100 (Very Good) - Maui County's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,078 of 4,374; by total assets it ranks #777 of 4,374 nationally (same basis as /rankings/largest); and #11 of 45 within Hawaii. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.00% net worth ratio and 2.10% delinquency rate are the key drivers.
How does Maui County compare to other credit unions?
On PlainCU's health composite, Maui County lands at 77/100, compared to a peer group average for $100M–$500M 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 Maui County?
Maui County 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 Maui County directly for the exact boundaries and application steps.
Is my money safe at Maui County?
Federal credit unions like Maui County 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. Maui County's net worth ratio of 14.00% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Maui County offer compared to banks?
Credit unions like Maui County 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 Maui County 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.