TellerScore

Aloha Pacific Federal Credit Union is a federal credit union headquartered in Honolulu, Hawaii, in business for about 90 years. At the end of Q2 2026 it reported $1.5B in total assets and $1.3B in member shares and deposits, with 4 offices.

Based on its Q2 2026 filing, Aloha Pacific Federal Credit Union scores 70/100, which we describe as strong. That is higher than 58% of 454 credit unions with $1 billion – $10 billion. Among 45 credit unions headquartered in Hawaii, it ranks 28th. Its strongest component is funding & liquidity (100/100; 57% loans-to-deposits, 3% uninsured), and its lowest is capital cushion (48/100; 9.81%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Net worth ratio: 9.81%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.50%
Earnings53/100
Return on assets (annualized): 0.82%
Funding & liquidity100/100
Loans ÷ shares: 56.9% · 2.6% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.51%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (70 → 70).

TellerScore
656871Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202466
Q4 202465
Q1 202567
Q2 202570
Q3 202569
Q4 202571
Q1 202670
Q2 202670
Net worth ratio
7.00%8.55%10.11%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.04%
Q3 202410.11%
Q4 20249.96%
Q1 20259.67%
Q2 20259.84%
Q3 202510.05%
Q4 20259.73%
Q1 20269.55%
Q2 20269.81%
Delinquent loans (60+ days)
0.22%0.42%0.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.36%
Q3 20240.32%
Q4 20240.45%
Q1 20250.36%
Q2 20250.47%
Q3 20250.63%
Q4 20250.31%
Q1 20260.22%
Q2 20260.50%
Return on assets
0.07%0.45%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.18%
Q3 20240.07%
Q4 20240.17%
Q1 20250.28%
Q2 20250.80%
Q3 20250.73%
Q4 20250.67%
Q1 20260.53%
Q2 20260.82%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$1.5B9.81%0.50%0.82%56.9%
Q1 202670$1.5B9.55%0.22%0.53%56.4%
Q4 202571$1.5B9.73%0.31%0.67%58.7%
Q3 202569$1.4B10.05%0.63%0.73%60.5%
Q2 202570$1.4B9.84%0.47%0.80%60.2%
Q1 202567$1.4B9.67%0.36%0.28%61.2%
Q4 202465$1.3B9.96%0.45%0.17%65.2%
Q3 202466$1.3B10.11%0.32%0.07%68.7%
Q2 202466$1.3B10.04%0.36%0.18%67.2%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.81%
25th
Problem loans0.50%
70th
Net charge-offs0.12%
92nd
Return on assets0.82%
52nd
Loans to deposits56.9%
95th
Uninsured deposits2.6%
96th
Loan-loss reserves0.00%
50th
Texas ratio2.5%
81st

Similar-size credit unions in Hawaii

InstitutionScoreAssetsCapitalProblem loansCompare
Hawaiian Financial Federal Credit UnionCredit union Honolulu, HI75 out of 100, Strong$1.1B11.7%0.54%vs
Hfs Federal Credit UnionCredit union Hilo, HI61 out of 100, Moderate$1.1B9.3%1.41%vs
Hawaiiusa Federal Credit UnionCredit union Honolulu, HI73 out of 100, Strong$2.7B10.6%0.39%vs
Hawaii State Federal Credit UnionCredit union Honolulu, HI71 out of 100, Strong$2.9B10.0%1.07%vs

Deposit insurance

Is my money safe at Aloha Pacific Federal Credit Union?

Yes. Aloha Pacific Federal Credit Union is a federally insured credit union (NCUA charter #1845). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 2.6% of shares and deposits ($34.7M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 9.81%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Aloha Pacific Federal Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Aloha Pacific Federal Credit Union reported 401 home-loan applications under HMDA (LEI 549300TT6197INLGZW29): 255 originated ($63,855,000 total), 128 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 32.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Aloha Pacific Federal Credit Union
Type
Federal credit union
NCUA charter #
1845
RSSD ID
184571
Primary regulator
NCUA
Established
1936
Headquarters
3465 Waialae Ave. Ste 400, Honolulu, HI 96816
Employees
206

Quick answers

Aloha Pacific Federal Credit Union: common questions

Is Aloha Pacific Federal Credit Union NCUA insured?

Yes. Aloha Pacific Federal Credit Union is a federally insured credit union (NCUA charter #1845). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Aloha Pacific Federal Credit Union's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Aloha Pacific Federal Credit Union have?

4 offices as of the latest NCUA data.