Federal credit union · PAPAIKOU, Hawaii · NCUA charter #3050
ONOMEA
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $26.7M
- Total assets
- 1,836
- Members
- 17.3%
- Net-worth ratio
ONOMEA scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $26.7M; members 1,836; net-worth ratio 17.25%; health rank #220 of 4,374; healthier than 93rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#220 of 4,374 health · 2025Q4ONOMEA · health 96/100 · $26.7M · 2025Q4
Call Report peers
ONOMEA in the assets neighbourhood
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ONOMEA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ONOMEA sits in 95-99 with 391 others.
96 Top 7% higher than 93% 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 ONOMEA
- Loan-to-Share Ratio leads the peer set - 92.07% here, 59.80% peer average (+32.27 pp).
ONOMEA: in-state Call Report ranks
- Hawaii health ordinal: #1 of 45.
- By total assets, ONOMEA is #39 of 45 in Hawaii.
- Membership ranks #38 of 45 among Hawaii CUs with a reported count (1,836 members).
- No Hawaii credit union scores higher; the runner-up, WAILUKU (#2) ties at 96/100.
ONOMEA: 2025Q4 → 2026Q1
ONOMEA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $26.7M (2025Q4) to $26.8M (2026Q1).
- Net-worth ratio shifted +0.30 pp (16.95% → 17.25%).
At 17.25%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 96/100 score is built
ONOMEA gives up 4 points in total. Member Growth costs the most, 2.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.2 pts
- Loan-to-Share Ratio 13.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.25% | +2.39 pp |
| Delinquency Rate | 0.24% | -0.91 pp |
| Return on Assets | 1.33% | +0.62 pp |
| Member Growth | 2.68% | - |
| Loan-to-Share Ratio | 92.07% | +32.27 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
ONOMEA quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $26.8M | - |
| 2025Q4 | $26.7M | 1,836 |
| 2024Q4 | $24.5M | 1,788 |
| 2023Q4 | $25.1M | 1,687 |
Credit Union Details
- Charter Number
- 3050
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Hawaii
- City
- PAPAIKOU
- Data Quarter
- 2025Q4
Branch Location
ONOMEA operates a single office in Papaikou, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Onomea FCU (Main Office) | Papaikou, 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 ONOMEA
Using this data
- ONOMEA ranks #220 of 4,374 nationally on financial health and #1 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HAMAKUA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HAMAKUA
Frequently Asked Questions
Is ONOMEA financially healthy?
On its 2025Q4 NCUA 5300 filing, ONOMEA scores 96/100 (Excellent), with a 17.25% net worth ratio and 0.24% of loans delinquent. It ranks #220 of 4,374 nationally on health and #1 of 45 in Hawaii.
How does ONOMEA compare to other credit unions?
ONOMEA scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (92.07% vs 59.80%).
How can I join ONOMEA?
ONOMEA 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 ONOMEA directly for the exact boundaries and application steps.
Is my money safe at ONOMEA?
ONOMEA 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. ONOMEA's net worth ratio of 17.25% 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.