TellerScore

Headquartered in Hilo, Hawaii, CU Hawaii Federal Credit Union is a federal credit union with $460.3M in total assets and $401.1M in member shares and deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1955.

CU Hawaii Federal Credit Union has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 63% of its 1,341 credit unions with $100 million – $1 billion. Among 45 credit unions headquartered in Hawaii, it ranks 23rd. Funding & liquidity contributes the most (100/100, 53% loans-to-deposits, 9% uninsured); earnings contributes the least (43/100, 0.58%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Net worth ratio: 10.97%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.33%
Earnings43/100
Return on assets (annualized): 0.58%
Funding & liquidity100/100
Loans ÷ shares: 52.9% · 8.7% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.41%

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

From Q2 2025 to Q2 2026, the score fell 3 points (77 → 74), mostly because the earnings component weakened by 6 points.

TellerScore
727578Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202476
Q4 202475
Q1 202578
Q2 202577
Q3 202576
Q4 202573
Q1 202673
Q2 202674
Net worth ratio
7.00%9.29%11.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.21%
Q3 202411.57%
Q4 202411.45%
Q1 202511.33%
Q2 202511.49%
Q3 202511.39%
Q4 202511.19%
Q1 202610.95%
Q2 202610.97%
Delinquent loans (60+ days)
0.18%0.33%0.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.41%
Q3 20240.36%
Q4 20240.37%
Q1 20250.18%
Q2 20250.22%
Q3 20250.26%
Q4 20250.48%
Q1 20260.20%
Q2 20260.33%
Return on assets
0.41%0.62%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.41%
Q3 20240.62%
Q4 20240.64%
Q1 20250.83%
Q2 20250.73%
Q3 20250.69%
Q4 20250.57%
Q1 20260.41%
Q2 20260.58%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$460.3M10.97%0.33%0.58%52.9%
Q1 202673$453.2M10.95%0.20%0.41%54.8%
Q4 202573$439.6M11.19%0.48%0.57%52.2%
Q3 202576$430.0M11.39%0.26%0.69%47.5%
Q2 202577$420.3M11.49%0.22%0.73%48.8%
Q1 202578$420.5M11.33%0.18%0.83%48.7%
Q4 202475$408.5M11.45%0.37%0.64%51.3%
Q3 202476$398.1M11.57%0.36%0.62%53.5%
Q2 202472$402.8M11.21%0.41%0.41%49.6%

1,341 peers · $100 million – $1 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 ratio10.97%
43rd
Problem loans0.33%
79th
Net charge-offs0.16%
77th
Return on assets0.58%
37th
Loans to deposits52.9%
87th
Uninsured deposits8.7%
24th
Loan-loss reserves0.00%
50th
Texas ratio1.4%
84th

Similar-size credit unions in Hawaii

InstitutionScoreAssetsCapitalProblem loansCompare
Maui County Federal Credit UnionCredit union Wailuku, HI68 out of 100, Moderate$487.5M14.0%2.09%vs
Honolulu Federal Credit UnionCredit union Honolulu, HI70 out of 100, Strong$423.3M12.8%1.36%vs
Pearl Hawaii Federal Credit UnionCredit union Waipahu, HI77 out of 100, Strong$545.1M10.2%0.42%vs
Hawaii Central Federal Credit UnionCredit union Honolulu, HI62 out of 100, Moderate$307.6M10.1%1.43%vs
Hawaii Law Enforcement Federal Credit UnionCredit union Honolulu, HI78 out of 100, Strong$230.3M13.2%0.50%vs
Lokahi Federal Credit UnionCredit union Honolulu, HI66 out of 100, Moderate$701.9M9.5%0.39%vs

Deposit insurance

Is my money safe at CU Hawaii Federal Credit Union?

Yes. CU Hawaii Federal Credit Union is a federally insured credit union (NCUA charter #24630). 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 8.7% of shares and deposits ($34.7M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.97%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

CU Hawaii Federal Credit Union lists 6 offices in 4 cities. Most locations:

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
CU Hawaii Classic/Gold/Platinum MasterCard11.00% – 17.25%$0—0.0%

All Cu Hawaii Federal Credit Union card terms

Identity & history

Profile

Legal name
CU Hawaii Federal Credit Union
Type
Federal credit union
NCUA charter #
24630
RSSD ID
640095
Primary regulator
NCUA
Established
1955
Headquarters
476 Hinano St, Hilo, HI 96720
Employees
111

Quick answers

CU Hawaii Federal Credit Union: common questions

Is CU Hawaii Federal Credit Union NCUA insured?

Yes. CU Hawaii Federal Credit Union is a federally insured credit union (NCUA charter #24630). 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 CU Hawaii Federal Credit Union's TellerScore?

74 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 CU Hawaii Federal Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Hilo

InstitutionScoreAssetsCapitalProblem loansCompare
Hawaii County Employees Federal Credit UnionCredit union Hilo, HI93 out of 100, Very strong$148.0M15.2%0.21%vs
Hamakua Federal Credit UnionCredit union Pepeekeo, HI90 out of 100, Very strong$23.4M14.5%0.38%vs
Helco Federal Credit UnionCredit union Hilo, HI84 out of 100, Strong$46.5M18.8%0.14%vs
Hawaii National BankBank Honolulu, HI72 out of 100, Strong$871.7M11.0%0.05%vs
American Savings Bank, National AssociationBank Honolulu, HI71 out of 100, Strong$9.0B9.1%0.19%vs
Big Island Federal Credit UnionCredit union Hilo, HI71 out of 100, Strong$194.5M9.3%0.16%vs