Federal credit union · WAHIAWA, Hawaii · NCUA charter #7423
SCHOFIELD
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $34.8M
- Total assets
- 1,991
- Members
- 16.8%
- Net-worth ratio
SCHOFIELD scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $34.8M; members 1,991; net-worth ratio 16.83%; health rank #2,826 of 4,374; healthier than 33rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,826 of 4,374 health · 2025Q4SCHOFIELD · health 79/100 · $34.8M · 2025Q4
Call Report peers
SCHOFIELD in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SCHOFIELD vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SCHOFIELD sits in 75-79 with 502 others.
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
SCHOFIELD: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 74.38% vs peer 59.80% (+14.58 pp).
- Largest lag: Return on Assets at 0.13% vs peer 0.70% (-0.57 pp).
Where SCHOFIELD sits in Hawaii
- Health composite ranks #32 of 45 among scored Hawaii credit unions.
- By total assets, SCHOFIELD is #38 of 45 in Hawaii.
- Membership ranks #36 of 45 among Hawaii CUs with a reported count (1,991 members).
- One place up in Hawaii, Maui Teachers (#31) scores 80/100, 1 point higher; one place down, KO`OLAU (#33) ties at 79/100.
Quarter path for SCHOFIELD
SCHOFIELD: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.9% from $34.8M (2025Q4) to $34.5M (2026Q1).
- Net-worth ratio shifted +0.20 pp (16.63% → 16.83%).
This credit union's 16.83% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 79/100 score is built
SCHOFIELD gives up 21 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.5 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.83% | +1.97 pp |
| Delinquency Rate | 0.26% | -0.88 pp |
| Return on Assets | 0.13% | -0.57 pp |
| Member Growth | -6.66% | - |
| Loan-to-Share Ratio | 74.38% | +14.58 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
SCHOFIELD filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $34.5M | - |
| 2025Q4 | $34.8M | 1,991 |
| 2024Q4 | $31.5M | 2,133 |
| 2023Q4 | $33.1M | 2,144 |
Credit Union Details
- Charter Number
- 7423
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Hawaii
- City
- WAHIAWA
- Data Quarter
- 2025Q4
Branch Location
SCHOFIELD operates a single office in Wahiawa, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | Wahiawa, HI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Hawaii
More federally-insured credit unions based in Hawaii, ordered by peer group match and asset size.
SCHOFIELD nationwide neighbourhoods
Using this data
- SCHOFIELD ranks #2,826 of 4,374 nationally on financial health and #32 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
Frequently Asked Questions
Is SCHOFIELD financially healthy?
SCHOFIELD has a financial health score of 79/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,826 of 4,374 nationally on health and #32 of 45 in Hawaii. Its net worth ratio is 16.83% and its delinquency rate 0.26%.
How does SCHOFIELD compare to other credit unions?
SCHOFIELD scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (74.38% vs 59.80%). Its widest shortfall is return on assets (0.13% vs 0.70%).
How can I join SCHOFIELD?
SCHOFIELD 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 SCHOFIELD directly for the exact boundaries and application steps.
Is my money safe at SCHOFIELD?
SCHOFIELD 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. SCHOFIELD's net worth ratio of 16.83% 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.