Federal credit union · Wailuku, Hawaii · NCUA charter #1817
Maui Teachers
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $35.6M
- Total assets
- 1,278
- Members
- 17.6%
- Net-worth ratio
Maui Teachers scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $35.6M; members 1,278; net-worth ratio 17.56%; health rank #2,695 of 4,374; healthier than 36th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,695 of 4,374 health · 2025Q4Maui Teachers · health 80/100 · $35.6M · 2025Q4
- ASSETS 80/100
- MEM 17.6%
- RANK 0.00%
- PHOTO 0.58%
- BOOK $35.6M
- CHARTER 1,278
- NCUSIF #2,695/4,374
- CAMELS HANIN
- HEALTH 1817
Call Report peers
Maui Teachers in the assets neighbourhood
Maui Teachers's $35.6M assets sit next to HANIN ($35.6M) 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 Teachers 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
80 36th percentile higher than 36% 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 Teachers - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #1817. See our deposit-insurance coverage note.
Peer-gap read for Maui Teachers
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +2.70 pp (17.56% vs 14.86%).
- Loan-to-Share Ratio trails the peer set - 38.28% here, 59.80% peer average (-21.52 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Maui Teachers: in-state Call Report ranks
- In Hawaii, health place is #31 of 45 on the same NCUA-ratio sort used nationally.
- Assets rank #36 of 45 inside Hawaii ($35.6M reported).
- Membership ranks #42 of 45 among Hawaii CUs with a reported count (1,278 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.
How Maui Teachers's 5300 filing moved
Maui Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $35.6M (2025Q4) to $36.5M (2026Q1).
- Net-worth ratio shifted -0.28 pp (17.84% → 17.56%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 17.56% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.2 pts
- Loan-to-Share Ratio 9.8 pts
Maui Teachers vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.56% | +2.70 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 0.58% | -0.12 pp |
| Member Growth | -4.91% | - |
| Loan-to-Share Ratio | 38.28% | -21.52 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Maui Teachers quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $36.5M | - |
| 2025Q4 | $35.6M | 1,278 |
| 2024Q4 | $31.7M | 1,344 |
| 2023Q4 | $32.7M | 1,421 |
Credit Union Details
- Charter Number
- 1817
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $10M–$50M
- State
- Hawaii
- City
- Wailuku
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Maui Teachers runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Maui Teachers FCU (Main Office) | Wailuku, HI |
| CU*Answers | Grand Rapids, MI |
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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Maui Teachers, 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 ($35.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- Maui Teachers ranks #2,695 of 4,374 nationally on financial health and #31 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Hawaiian Electric Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Hawaiian Electric Employees
- 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 Teachers financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Maui Teachers carries a financial health score of 80/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,695 of 4,374; by total assets it ranks #2,708 of 4,374 nationally (same basis as /rankings/largest); and #36 of 45 within Hawaii. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 17.56% net worth ratio and a 0.00% delinquency rate.
How does Maui Teachers compare to other credit unions?
Maui Teachers scores 80/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Teachers?
Maui Teachers is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Maui Teachers directly to confirm eligibility.
Is my money safe at Maui Teachers?
Federal credit unions like Maui Teachers 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 Teachers's net worth ratio of 17.56% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Maui Teachers offer compared to banks?
Credit unions like Maui Teachers 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 Teachers 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.