State overview · Q4 2025

Hawaii Credit Unions

All 45 federally-insured credit unions in Hawaii, ranked by financial health, from NCUA 5300 Call Reports.

45
Credit unions
876K
Members
$17.0B
Combined assets
82/100
Avg health
45 CUs · avg health 82/100

Hawaii has 45 federally insured credit unions averaging 82/100 health on NCUA 5300 Call Report aggregates. Combined assets $17.0B; 31 score Excellent (80+). State leader: ONOMEA at 96/100.

  • Mean delinquency rank #27 of 52 (lower DQ better)
  • Mean ROA rank #32 of 52
  • Data vintage 2026-09-06

Hawaii vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

45 37th of 54 higher than 17 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. 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 · Q4 2025

Health-score distribution

How Hawaii's 45 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)31 CUsGood (60–79)14 CUsFair (40–59)0 CUsWeak (<40)0 CUs

Hawaii Call Report component averages

Mean NCUA 5300 ratios across 45 federally insured credit unions in Hawaii, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
1.22%
National rank #27 of 52 · lower DQ better
Mean ROA
0.52%
National rank #32 of 52
Mean loan-to-share
54.4%
Mean net worth 13.8% · well-capitalized (≥7%) 100.0%
Largest CU share of state assets
16.8%
Dispersed book, largest charter holds under 25% of combined Hawaii CU assets · concentration rank #13 of 52 (lower share = more dispersed) · largest by assets on this board: Hawaii State

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). Hawaii is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

Hawaii vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Hawaii highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18% 0%0.5%1%1.5%2%2.5% Net worth ratio Delinquency rate Hawaii vs. a national sample of states' credit-union sectors AL - 16.25%, 1.743%AK - 11.69%, 0.876%AR - 16.34%, 1.809%CO - 11.98%, 1.045%DE - 15.7%, 1.799%DC - 14.99%, 2.364%GA - 15.97%, 1.181%IL - 15.55%, 1.098%IA - 15.09%, 1.429%KS - 14.31%, 1.456%LA - 17.25%, 1.888%MD - 13.25%, 1.269%MI - 12.62%, 0.909%MN - 13.98%, 0.886%MO - 11.87%, 1.299%NE - 13.77%, 1.06%NH - 11.15%, 0.746%NJ - 16.56%, 1.74%NY - 14.23%, 1.635%ND - 15.1%, 0.95%OK - 13.44%, 1.238%OR - 13.17%, 1.122%RI - 12.53%, 0.533%SD - 12.58%, 0.791%TX - 15.62%, 1.279%VI - 15.23%, 1.532%VT - 11.83%, 1.399%WA - 12.92%, 0.882%WI - 13.48%, 1.468%HI - 13.78%, 1.224%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Hawaii highlighted.

All Credit Unions in Hawaii

Credit Union Health
ONOMEA PAPAIKOU 96
WAILUKU KAHULUI 96
Kauai Ohana Lihue 95
HAWAII Honolulu 93
Cu Hawaii Hilo 91
HONOLULU Honolulu 91
Honolulu Fire Department Honolulu 90
Hawaii County Employees Hilo 89
GATHER Lihue 88
Hawaii State Honolulu 88
Hawaii Community Kailua Kona 87
University of Hawaii Honolulu 87
Aloha Pacific Honolulu 86
HAWAIIUSA Honolulu 86
Pearl Hawaii WAIPAHU 86
Garden Island Lihue 85
Hawaii Law Enforcement Honolulu 85
KAHULUI KAHULUI 85
LANAI Lanai City 85
Valley Isle Community Kahului 85
Hawaiian Financial Honolulu 84
Hawaiian Electric Employees Honolulu 83
WAIALUA Waialua 83
EWA Ewa Beach 82
HFS HILO 82
Big Island HILO 81
Hawaii Schools Honolulu 81
Molokai Community Kaunakakai 81
GLOVER Honolulu 80
HELCO HILO 80
Maui Teachers Wailuku 80
KO`OLAU KAILUA 79
SCHOFIELD WAHIAWA 79
Hawaii Central Honolulu 78
MAUI KAHULUI 77
Maui County Wailuku 77
HAMAKUA Pepeekeo 76
LOKAHI Honolulu 75
KAHUKU Kahuku 73
Hotel and Travel Industry Honolulu 72
Hawaii First Kamuela 69
KAUAI Lihue 63
Local Union 1186 Ibew HONOLULU 62
Plumbers & Fitters Local 675 Honolulu 62
MCBRYDE Eleele 61

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

What This Data Says About Credit Unions in Hawaii

Hawaii is home to 45 federally-insured credit unions collectively serving 876K members with $17.0B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 82/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. ONOMEA of PAPAIKOU currently leads the cohort with a health score of 96/100, while the full distribution spans 45 institutions ranked below.

The health distribution breaks into four bands: 31 credit unions score 80–100 (Excellent), 14 score 60–79 (Good), 0 score 40–59 (Fair), and 0 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across Hawaii's 45 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for Hawaii: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($17.0B here).

Louisiana $16.9B Kentucky $16.1B Connecticut $15.4B New Jersey $15.4B

Similar credit-union inventory

Nearest states by federally-insured credit-union count (45 here).

South Carolina 46 CUs Arkansas 48 CUs Maine 48 CUs Oregon 48 CUs

Frequently Asked Questions

How many credit unions are in Hawaii?

There are 45 federally-insured credit unions in Hawaii as of Q4 2025, with a combined 876K members and $17.0B in total assets. That places Hawaii at #30 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, Hawaii ranks #26 of 54. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in Hawaii?

Based on NCUA Q4 2025 data, ONOMEA in PAPAIKOU ranks highest in Hawaii with a health score of 96/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Using Hawaii's data

  • ONOMEA in PAPAIKOU is the healthiest scored credit union in Hawaii at 96/100 -- look up its full composite before assuming it fits your situation. View full profile
  • Hawaii's credit unions rank #27 of 52 nationally on delinquency rate (mid-pack) and #32 of 52 on return on assets (mid-pack) -- both factor into the health score above, but they can move independently. National health rankings
  • Hawaii ranks #26 of 54 by average health score and #30 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Read our methodology - how this data is sourced, computed, and verified.