Federal credit union · Waialua, Hawaii · NCUA charter #2049
WAIALUA
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $46.7M
- Total assets
- 2,973
- Members
- 17.6%
- Net-worth ratio
WAIALUA scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $46.7M; members 2,973; net-worth ratio 17.58%; health rank #2,220 of 4,374; healthier than 46th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,220 of 4,374 health · 2025Q4WAIALUA · health 83/100 · $46.7M · 2025Q4
Call Report peers
WAIALUA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
WAIALUA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); WAIALUA sits in 80-84 with 767 others.
83 46th percentile higher than 46% 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 WAIALUA
- Largest favorable gap: Net Worth Ratio at 17.58% vs peer 14.86% (+2.72 pp).
- Loan-to-Share Ratio trails the peer set - 49.03% here, 59.80% peer average (-10.77 pp).
WAIALUA: in-state Call Report ranks
- Health composite ranks #23 of 45 among scored Hawaii credit unions.
- By total assets, WAIALUA is #31 of 45 in Hawaii.
- Member book place in Hawaii: #33 of 45.
- One place up in Hawaii, Hawaiian Electric Employees (#22) ties at 83/100; one place down, EWA (#24) scores 82/100, 1 point lower.
How WAIALUA's 5300 filing moved
WAIALUA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $46.7M (2025Q4) to $47.6M (2026Q1).
- Net-worth ratio shifted -0.12 pp (17.70% → 17.58%).
17.58% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
WAIALUA gives up 17 points in total. Member Growth costs the most, 8.2 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 11.0 pts
- Member Growth 6.8 pts
- Loan-to-Share Ratio 10.2 pts
Call Report ratios for WAIALUA
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.58% | +2.72 pp |
| Delinquency Rate | 0.14% | -1.01 pp |
| Return on Assets | 0.23% | -0.47 pp |
| Member Growth | -1.20% | - |
| Loan-to-Share Ratio | 49.03% | -10.77 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - WAIALUA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $47.6M | - |
| 2025Q4 | $46.7M | 2,973 |
| 2024Q4 | $47.2M | 3,009 |
| 2023Q4 | $49.4M | 3,203 |
Credit Union Details
- Charter Number
- 2049
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Hawaii
- City
- Waialua
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, WAIALUA runs one office.
| Office | City |
|---|---|
| Waialua Federal Credit Union (Main Office) | Waialua, 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.
Cross-state Call Report peers for WAIALUA
Using this data
- WAIALUA ranks #2,220 of 4,374 nationally on financial health and #23 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HELCO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HELCO
Frequently Asked Questions
Is WAIALUA financially healthy?
On its 2025Q4 NCUA 5300 filing, WAIALUA scores 83/100 (Excellent), with a 17.58% net worth ratio and 0.14% of loans delinquent. It ranks #2,220 of 4,374 nationally on health and #23 of 45 in Hawaii.
How does WAIALUA compare to other credit unions?
WAIALUA scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (17.58% vs 14.86%). Its widest shortfall is loan-to-share ratio (49.03% vs 59.80%).
How can I join WAIALUA?
WAIALUA 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 WAIALUA directly for the exact boundaries and application steps.
Is my money safe at WAIALUA?
WAIALUA 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. WAIALUA's net worth ratio of 17.58% 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.