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
- RANK 83/100
- PHOTO 17.6%
- BOOK 0.14%
- CHARTER 0.23%
- NCUSIF $46.7M
- CAMELS 2,973
- HEALTH #2,220/4,374
- NW DIXIES
- DELQ 2049
Call Report peers
WAIALUA in the assets neighbourhood
WAIALUA's $46.7M assets sit next to DIXIES ($46.6M) 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.
WAIALUA 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
83 46th percentile higher than 46% 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
WAIALUA - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #2049 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for HI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How WAIALUA's 5300 filing moved
WAIALUA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $46.7M (2025Q4) to $47.6M (2026Q1).
- Net-worth ratio shifted -0.12 pp (17.70% → 17.58%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for WAIALUA - kept outside Hawaii; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($46.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
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
- 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 WAIALUA financially healthy?
WAIALUA scores 83/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,220 of 4,374; by total assets it ranks #2,452 of 4,374 nationally (same basis as /rankings/largest); and #31 of 45 within Hawaii. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 17.58% net worth ratio and a 0.14% delinquency rate.
How does WAIALUA compare to other credit unions?
83/100 is WAIALUA's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like WAIALUA 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. WAIALUA's net worth ratio of 17.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does WAIALUA offer compared to banks?
Credit unions like WAIALUA 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 WAIALUA 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.