Federal credit union · KAHULUI, Hawaii · NCUA charter #9924
WAILUKU
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $129.2M
- Total assets
- 5,362
- Members
- 12.4%
- Net-worth ratio
WAILUKU scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $129.2M; members 5,362; net-worth ratio 12.36%; health rank #252 of 4,374; healthier than 93rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#252 of 4,374 health · 2025Q4WAILUKU · health 96/100 · $129.2M · 2025Q4
Call Report peers
WAILUKU in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
WAILUKU vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); WAILUKU sits in 95-99 with 391 others.
96 Top 7% higher than 93% 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 WAILUKU
- Loan-to-Share Ratio leads the peer set - 77.50% here, 72.20% peer average (+5.30 pp).
WAILUKU in Hawaii
- Hawaii health ordinal: #2 of 45.
- By total assets, WAILUKU is #21 of 45 in Hawaii.
- Member book place in Hawaii: #26 of 45.
- One place up in Hawaii, ONOMEA (#1) ties at 96/100; one place down, Kauai Ohana (#3) scores 95/100, 1 point lower.
Quarter path for WAILUKU
WAILUKU: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $129.2M (2025Q4) to $132.1M (2026Q1).
- Net-worth ratio shifted +0.11 pp (12.25% → 12.36%).
12.36% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 96/100 score is built
WAILUKU gives up 4 points in total. Member Growth costs the most, 4.3 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.7 pts
- Loan-to-Share Ratio 15.3 pts
WAILUKU health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.36% | +0.25 pp |
| Delinquency Rate | 0.42% | -0.48 pp |
| Return on Assets | 0.96% | +0.34 pp |
| Member Growth | 1.40% | - |
| Loan-to-Share Ratio | 77.50% | +5.30 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
WAILUKU filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $132.1M | - |
| 2025Q4 | $129.2M | 5,362 |
| 2024Q4 | $117.9M | 5,288 |
| 2023Q4 | $111.0M | 5,191 |
Credit Union Details
- Charter Number
- 9924
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Hawaii
- City
- KAHULUI
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for WAILUKU, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Wailuku FCU (Main Office) | Kahului, HI |
| FISERV - Portico | Frisco, TX |
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.
WAILUKU nationwide neighbourhoods
Using this data
- WAILUKU ranks #252 of 4,374 nationally on financial health and #2 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Garden Island is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Garden Island
Frequently Asked Questions
Is WAILUKU financially healthy?
WAILUKU has a financial health score of 96/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #252 of 4,374 nationally on health and #2 of 45 in Hawaii. Its net worth ratio is 12.36% and its delinquency rate 0.42%.
How does WAILUKU compare to other credit unions?
WAILUKU scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (77.50% vs 72.20%).
How can I join WAILUKU?
WAILUKU 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 WAILUKU directly for the exact boundaries and application steps.
Is my money safe at WAILUKU?
WAILUKU 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. WAILUKU's net worth ratio of 12.36% 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.