Federal credit union · Kaunakakai, Hawaii · NCUA charter #7471
Molokai Community
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $37.7M
- Total assets
- 4,283
- Members
- 18.8%
- Net-worth ratio
Molokai Community scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $37.7M; members 4,283; net-worth ratio 18.79%; health rank #2,533 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,533 of 4,374 health · 2025Q4Molokai Community · health 81/100 · $37.7M · 2025Q4
Call Report peers
Molokai Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Molokai Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Molokai Community sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Molokai Community
- Net Worth Ratio leads the peer set - 18.79% here, 14.86% peer average (+3.93 pp).
- Loan-to-Share Ratio trails the peer set - 48.79% here, 59.80% peer average (-11.01 pp).
Molokai Community in Hawaii
- In Hawaii, health place is #26 of 45 on the same NCUA-ratio sort used nationally.
- Hawaii assets place: #34 of 45.
- Hawaii membership ordinal: #28 of 45.
- One place up in Hawaii, HFS (#25) scores 82/100, 1 point higher; one place down, Hawaii Schools (#27) ties at 81/100.
Molokai Community Call Report trajectory
Molokai Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.3% from $37.7M (2025Q4) to $37.2M (2026Q1).
- Net-worth ratio shifted +0.65 pp (18.14% → 18.79%).
At 18.79%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
Molokai Community gives up 19 points in total. Delinquency Rate costs the most, 7.1 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.9 pts
- Return on Assets 15.0 pts
- Member Growth 8.2 pts
- Loan-to-Share Ratio 9.9 pts
Molokai Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.79% | +3.93 pp |
| Delinquency Rate | 1.28% | +0.13 pp |
| Return on Assets | 2.17% | +1.46 pp |
| Member Growth | -0.44% | - |
| Loan-to-Share Ratio | 48.79% | -11.01 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Molokai Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $37.2M | - |
| 2025Q4 | $37.7M | 4,283 |
| 2024Q4 | $36.8M | 4,302 |
| 2023Q4 | $36.2M | 4,284 |
Credit Union Details
- Charter Number
- 7471
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Hawaii
- City
- Kaunakakai
- Data Quarter
- 2025Q4
Branch Locations (2)
Molokai Community operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Kaunakakai, HI |
| FHH Branch, Molokai Community FCU - DR | Hoolehua, HI |
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
Similar total assets
Using this data
- Molokai Community ranks #2,533 of 4,374 nationally on financial health and #26 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LANAI is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LANAI
Frequently Asked Questions
Is Molokai Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Molokai Community scores 81/100 (Excellent), with a 18.79% net worth ratio and 1.28% of loans delinquent. It ranks #2,533 of 4,374 nationally on health and #26 of 45 in Hawaii.
How does Molokai Community compare to other credit unions?
Molokai Community scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (18.79% vs 14.86%). Its widest shortfall is loan-to-share ratio (48.79% vs 59.80%).
How can I join Molokai Community?
Molokai Community 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 Molokai Community directly for the exact boundaries and application steps.
Is my money safe at Molokai Community?
Molokai Community 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. Molokai Community's net worth ratio of 18.79% 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.