Headquartered in Pepeekeo, Hawaii, Hamakua Federal Credit Union is a federal credit union with $23.4M in total assets and $19.9M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1937.
Based on its Q2 2026 filing, Hamakua Federal Credit Union scores 90/100, which we describe as very strong. That is higher than 89% of 2,479 credit unions with under $100 million in assets. Among 45 credit unions headquartered in Hawaii, it ranks 4th. Its strongest component is funding & liquidity (100/100; 48% loans-to-deposits, 7% uninsured), and its lowest is earnings (77/100; 1.43%).
TellerScore · Q2 2026
Scorecard
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 rose 18 points (72 → 90), mostly because the loan quality component improved by 87 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 67 |
| Q4 2024 | 67 |
| Q1 2025 | 87 |
| Q2 2025 | 72 |
| Q3 2025 | 68 |
| Q4 2025 | 69 |
| Q1 2026 | 92 |
| Q2 2026 | 90 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 15.25% |
| Q3 2024 | 15.09% |
| Q4 2024 | 15.86% |
| Q1 2025 | 15.93% |
| Q2 2025 | 16.17% |
| Q3 2025 | 15.25% |
| Q4 2025 | 15.20% |
| Q1 2026 | 15.30% |
| Q2 2026 | 14.53% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.94% |
| Q3 2024 | 3.21% |
| Q4 2024 | 3.05% |
| Q1 2025 | 1.40% |
| Q2 2025 | 3.22% |
| Q3 2025 | 2.97% |
| Q4 2025 | 2.80% |
| Q1 2026 | 0.89% |
| Q2 2026 | 0.38% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.09% |
| Q3 2024 | 1.19% |
| Q4 2024 | 1.32% |
| Q1 2025 | 3.03% |
| Q2 2025 | 1.86% |
| Q3 2025 | 1.41% |
| Q4 2025 | 1.25% |
| Q1 2026 | 2.06% |
| Q2 2026 | 1.43% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 90 | $23.4M | 14.53% | 0.38% | 1.43% | 47.9% |
| Q1 2026 | 92 | $21.9M | 15.30% | 0.89% | 2.06% | 51.3% |
| Q4 2025 | 69 | $21.3M | 15.20% | 2.80% | 1.25% | 53.5% |
| Q3 2025 | 68 | $20.9M | 15.25% | 2.97% | 1.41% | 55.7% |
| Q2 2025 | 72 | $19.5M | 16.17% | 3.22% | 1.86% | 60.4% |
| Q1 2025 | 87 | $19.6M | 15.93% | 1.40% | 3.03% | 60.6% |
| Q4 2024 | 67 | $18.7M | 15.86% | 3.05% | 1.32% | 60.9% |
| Q3 2024 | 67 | $19.2M | 15.09% | 3.21% | 1.19% | 57.6% |
| Q2 2024 | 84 | $18.5M | 15.25% | 0.94% | 1.09% | 59.1% |
2,479 peers · Under $100 million in assets
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).
Similar-size credit unions in Hawaii
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Onomea Federal Credit UnionCredit union Papaikou, HI | 90 out of 100, Very strong | $26.0M | 18.3% | 0.46% | vs |
| Ewa Federal Credit UnionCredit union Ewa Beach, HI | 86 out of 100, Very strong | $13.1M | 23.9% | 0.65% | vs |
| Signia Federal Credit UnionCredit union Wahiawa, HI | 63 out of 100, Moderate | $34.0M | 17.2% | 2.28% | vs |
| Local Union 1186 Ibew Federal Credit UnionCredit union Honolulu, HI | 69 out of 100, Moderate | $12.8M | 14.9% | 1.98% | vs |
| Hawaiian Electric Employees Federal Credit UnionCredit union Honolulu, HI | 83 out of 100, Strong | $37.1M | 18.4% | 1.02% | vs |
| Lanai Federal Credit UnionCredit union Lanai City, HI | 78 out of 100, Strong | $38.2M | 11.9% | 0.88% | vs |
Deposit insurance
Is my money safe at Hamakua Federal Credit Union?
Yes. Hamakua Federal Credit Union is a federally insured credit union (NCUA charter #2280). 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 6.6% of shares and deposits ($1.3M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 14.53%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Hamakua Federal Credit Union lists 1 office in 1 city. Most locations:
- Pepeekeo, HI (1)
Identity & history
Profile
- Legal name
- Hamakua Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 2280
- RSSD ID
- 236573
- Primary regulator
- NCUA
- Established
- 1937
- Headquarters
- P.O. Box 848, Pepeekeo, HI 96783
- Employees
- 6
Quick answers
Hamakua Federal Credit Union: common questions
Is Hamakua Federal Credit Union NCUA insured?
Yes. Hamakua Federal Credit Union is a federally insured credit union (NCUA charter #2280). 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 Hamakua Federal Credit Union's TellerScore?
90 out of 100 (Very 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 Hamakua Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Pepeekeo
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Hawaii County Employees Federal Credit UnionCredit union Hilo, HI | 93 out of 100, Very strong | $148.0M | 15.2% | 0.21% | vs |
| Helco Federal Credit UnionCredit union Hilo, HI | 84 out of 100, Strong | $46.5M | 18.8% | 0.14% | vs |
| CU Hawaii Federal Credit UnionCredit union Hilo, HI | 74 out of 100, Strong | $460.3M | 11.0% | 0.33% | vs |
| Hawaii National BankBank Honolulu, HI | 72 out of 100, Strong | $871.7M | 11.0% | 0.05% | vs |
| American Savings Bank, National AssociationBank Honolulu, HI | 71 out of 100, Strong | $9.0B | 9.1% | 0.19% | vs |
| Big Island Federal Credit UnionCredit union Hilo, HI | 71 out of 100, Strong | $194.5M | 9.3% | 0.16% | vs |