Federal credit union · Honolulu, Hawaii · NCUA charter #10465
University of Hawaii
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $926.3M
- Total assets
- 34,987
- Members
- 11.2%
- Net-worth ratio
University of Hawaii scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $926.3M; members 34,987; net-worth ratio 11.19%; health rank #1,674 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,674 of 4,374 health · 2025Q4University of Hawaii · health 87/100 · $926.3M · 2025Q4
Call Report peers
University of Hawaii in the assets neighbourhood
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University of Hawaii vs every NCUA-scored credit union
University of Hawaii sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% 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 University of Hawaii
- Largest favorable gap: Delinquency Rate at 0.22% vs peer 0.87% (-0.65 pp).
- Largest lag: Loan-to-Share Ratio at 41.80% vs peer 83.90% (-42.10 pp).
University of Hawaii in Hawaii
- Health composite ranks #11 of 45 among scored Hawaii credit unions.
- By total assets, University of Hawaii is #6 of 45 in Hawaii.
- Member book place in Hawaii: #9 of 45.
- One place up in Hawaii, Hawaii State (#10) scores 88/100, 1 point higher; one place down, Hawaii Community (#12) ties at 87/100.
Quarter path for University of Hawaii
University of Hawaii: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.3% from $926.3M (2025Q4) to $956.7M (2026Q1).
- Net-worth ratio shifted +0.08 pp (11.11% → 11.19%).
11.19% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
University of Hawaii gives up 13 points in total. Loan-to-Share Ratio costs the most, 5.2 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.7 pts
- Member Growth 11.4 pts
- Loan-to-Share Ratio 9.9 pts
Call Report ratios for University of Hawaii
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.19% | +0.01 pp |
| Delinquency Rate | 0.22% | -0.65 pp |
| Return on Assets | 0.21% | -0.30 pp |
| Member Growth | 1.96% | - |
| Loan-to-Share Ratio | 41.80% | -42.10 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
University of Hawaii quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $956.7M | - |
| 2025Q4 | $926.3M | 34,987 |
| 2024Q4 | $889.5M | 34,314 |
| 2023Q4 | $885.8M | 33,380 |
Credit Union Details
- Charter Number
- 10465
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Hawaii
- City
- Honolulu
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for University of Hawaii, spread across 2 cities.
| Office | City |
|---|---|
| McCully Branch (Main Office) | Honolulu, HI |
| McCully Branch | Honolulu, HI |
| Campus Center Branch | Honolulu, HI |
| Manoa Marketplace Branch | Honolulu, HI |
| Kapolei Commons Branch | Kapolei, 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.
Nationwide credit unions with similar profiles
Using this data
- University of Hawaii ranks #1,674 of 4,374 nationally on financial health and #11 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GATHER is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GATHER
Frequently Asked Questions
Is University of Hawaii financially healthy?
On its 2025Q4 NCUA 5300 filing, University of Hawaii scores 87/100 (Excellent), with a 11.19% net worth ratio and 0.22% of loans delinquent. It ranks #1,674 of 4,374 nationally on health and #11 of 45 in Hawaii.
How does University of Hawaii compare to other credit unions?
University of Hawaii scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.22% vs 0.87%). Its widest shortfall is loan-to-share ratio (41.80% vs 83.90%).
How can I join University of Hawaii?
University of Hawaii 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 University of Hawaii directly for the exact boundaries and application steps.
Is my money safe at University of Hawaii?
University of Hawaii 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. University of Hawaii's net worth ratio of 11.19% 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.