Federal credit union · Eleele, Hawaii · NCUA charter #2713
MCBRYDE
Health score 61/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 61
- Health / 100
- $102.4M
- Total assets
- 3,174
- Members
- 26.7%
- Net-worth ratio
MCBRYDE scores 61/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $102.4M; members 3,174; net-worth ratio 26.71%; health rank #4,015 of 4,374; healthier than 8th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,015 of 4,374 health · 2025Q4MCBRYDE · health 61/100 · $102.4M · 2025Q4
- CHARTER 61/100
- NCUSIF 26.7%
- CAMELS 4.51%
- HEALTH 1.06%
- NW $102.4M
- DELQ 3,174
- ROA #4,015/4,374
- ASSETS Great Lakes First
- MEM 2713
Call Report peers
MCBRYDE in the assets neighbourhood
MCBRYDE's $102.4M assets sit next to Great Lakes First ($102.3M) 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.
MCBRYDE 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
61 8th percentile higher than 8% 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
MCBRYDE - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #2713 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for MCBRYDE
- Net Worth Ratio leads the peer set - 26.71% here, 12.11% peer average (+14.60 pp).
- Loan-to-Share Ratio trails the peer set - 21.11% here, 72.20% peer average (-51.09 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Hawaii standing for MCBRYDE
- Health composite ranks #45 of 45 among scored Hawaii credit unions.
- By total assets, MCBRYDE is #24 of 45 in Hawaii.
- Hawaii membership ordinal: #32 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.
MCBRYDE Call Report trajectory
MCBRYDE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.1% from $102.4M (2025Q4) to $102.3M (2026Q1).
- Net-worth ratio shifted +0.33 pp (26.38% → 26.71%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 26.71% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 61/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 61.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.7 pts
- Loan-to-Share Ratio 8.3 pts
MCBRYDE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 26.71% | +14.60 pp |
| Delinquency Rate | 4.51% | +3.62 pp |
| Return on Assets | 1.06% | +0.44 pp |
| Member Growth | -0.72% | - |
| Loan-to-Share Ratio | 21.11% | -51.09 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).
MCBRYDE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $102.3M | - |
| 2025Q4 | $102.4M | 3,174 |
| 2024Q4 | $96.6M | 3,197 |
| 2023Q4 | $97.6M | 3,233 |
Credit Union Details
- Charter Number
- 2713
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Hawaii
- City
- Eleele
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for MCBRYDE.
| Office | City |
|---|---|
| McBryde FCU (Main Office) | Eleele, 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 MCBRYDE
Two NCUA Call Report peer sets for MCBRYDE, 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 ($102.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (61/100 here).
Using this data
- MCBRYDE ranks #4,015 of 4,374 nationally on financial health and #45 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HAWAII is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with 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 MCBRYDE financially healthy?
A 26.71% net worth ratio and a 4.51% delinquency rate feed into MCBRYDE's financial health score of 61/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,015 of 4,374; by total assets it ranks #1,801 of 4,374 nationally (same basis as /rankings/largest); and #24 of 45 within Hawaii. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does MCBRYDE compare to other credit unions?
PlainCU's health composite puts MCBRYDE at 61/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 MCBRYDE?
MCBRYDE 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 MCBRYDE directly for the exact boundaries and application steps.
Is my money safe at MCBRYDE?
Federal credit unions like MCBRYDE 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. MCBRYDE's net worth ratio of 26.71% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MCBRYDE offer compared to banks?
Credit unions like MCBRYDE 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 MCBRYDE 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.