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
- CHARTER 87/100
- NCUSIF 11.2%
- CAMELS 0.22%
- HEALTH 0.21%
- NW $926.3M
- DELQ 34,987
- ROA #1,674/4,374
- ASSETS CAMPUS
- MEM 10465
Call Report peers
University of Hawaii in the assets neighbourhood
University of Hawaii's $926.3M assets sit next to CAMPUS ($925.7M) 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.
University of Hawaii 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
87 Top 40% higher than 60% 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
University of Hawaii - Share Insurance Coverage
Charter #10465's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for HI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for University of Hawaii
University of Hawaii: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $926.3M (2025Q4) to $956.7M (2026Q1).
- Net-worth ratio shifted +0.08 pp (11.11% → 11.19%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for University of Hawaii - kept outside Hawaii; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($926.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
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
- 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 University of Hawaii financially healthy?
University of Hawaii has a financial health score of 87/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,674 of 4,374; by total assets it ranks #494 of 4,374 nationally (same basis as /rankings/largest); and #6 of 45 within Hawaii. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.19% and delinquency rate of 0.22%.
How does University of Hawaii compare to other credit unions?
On PlainCU's health composite, University of Hawaii lands at 87/100, compared to a peer group average for Over $500M 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 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?
Federal credit unions like University of Hawaii 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. University of Hawaii's net worth ratio of 11.19% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does University of Hawaii offer compared to banks?
Credit unions like University of Hawaii 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 University of Hawaii 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.