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
- DELQ 81/100
- ROA 18.8%
- ASSETS 1.28%
- MEM 2.17%
- RANK $37.7M
- PHOTO 4,283
- BOOK #2,533/4,374
- CHARTER Midwest Family
- NCUSIF 7471
Call Report peers
Molokai Community in the assets neighbourhood
Molokai Community's $37.7M assets sit next to Midwest Family ($37.7M) 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.
Molokai Community 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
81 39th percentile higher than 39% 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
Molokai Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #7471. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for HI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Molokai Community Call Report trajectory
Molokai Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.3% from $37.7M (2025Q4) to $37.2M (2026Q1).
- Net-worth ratio shifted +0.65 pp (18.14% → 18.79%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- 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 |
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).
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
Cross-state asset and health neighbours for Molokai Community - kept outside Hawaii; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($37.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
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
- 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 Molokai Community financially healthy?
Molokai Community scores 81/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,533 of 4,374; by total assets it ranks #2,656 of 4,374 nationally (same basis as /rankings/largest); and #34 of 45 within Hawaii. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 18.79% net worth ratio and a 1.28% delinquency rate.
How does Molokai Community compare to other credit unions?
On PlainCU's health composite, Molokai Community lands at 81/100, compared to a peer group average for $10M–$50M 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 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?
Federal credit unions like Molokai Community 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. Molokai Community's net worth ratio of 18.79% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Molokai Community offer compared to banks?
Credit unions like Molokai Community 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 Molokai Community 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.