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
Call Report peers
Maui County in the assets neighbourhood
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Maui County vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Maui County sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Hawaii, MAUI (#35) ties at 77/100; one place down, HAMAKUA (#37) scores 76/100, 1 point lower.
Quarter path for Maui County
Maui County: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $475.5M (2025Q4) to $479.5M (2026Q1).
- Net-worth ratio shifted +0.05 pp (13.95% → 14.00%).
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
Maui County gives up 23 points in total. Delinquency Rate costs the most, 13.1 of its 25; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Maui County financially healthy?
Maui County has a financial health score of 77/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,078 of 4,374 nationally on health and #36 of 45 in Hawaii. Its net worth ratio is 14.00% and its delinquency rate 2.10%.
How does Maui County compare to other credit unions?
Maui County scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (14.00% vs 12.11%). Its widest shortfall is loan-to-share ratio (55.47% vs 72.20%).
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?
Maui County 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. Maui County's net worth ratio of 14.00% 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.