TellerScore

Hawaii Central Federal Credit Union (NCUA charter #24839) is based in Honolulu, Hawaii. Its Q2 2026 call report shows $307.6M in total assets and $283.3M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Hawaii Central Federal Credit Union scores 62/100, which we describe as moderate. That is higher than only 26% of 1,341 credit unions with $100 million – $1 billion. Among 45 credit unions headquartered in Hawaii, it ranks 39th. Its strongest component is funding & liquidity (97/100; 63% loans-to-deposits, 9% uninsured), and its lowest is capital cushion (51/100; 10.06%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Net worth ratio: 10.06%
Loan quality52/100
Loans 60+ days delinquent ÷ total loans: 1.43%
Earnings52/100
Return on assets (annualized): 0.80%
Funding & liquidity97/100
Loans ÷ shares: 62.9% · 8.7% uninsured
Problem-loan coverage83/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.27%

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 6 points (68 → 62), mostly because the loan quality component weakened by 35 points.

TellerScore
556371Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202465
Q3 202464
Q4 202463
Q1 202571
Q2 202568
Q3 202555
Q4 202561
Q1 202661
Q2 202662
Net worth ratio
7.00%8.53%10.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20249.26%
Q3 20249.34%
Q4 20249.50%
Q1 20259.69%
Q2 20259.55%
Q3 20259.99%
Q4 20259.91%
Q1 20269.70%
Q2 202610.06%
Delinquent loans (60+ days)
0.11%1.11%2.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.34%
Q3 20240.38%
Q4 20240.47%
Q1 20250.11%
Q2 20250.39%
Q3 20252.11%
Q4 20251.29%
Q1 20261.22%
Q2 20261.43%
Return on assets
0.09%0.44%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.26%
Q3 20240.19%
Q4 20240.09%
Q1 20250.52%
Q2 20250.46%
Q3 20250.76%
Q4 20250.60%
Q1 20260.63%
Q2 20260.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$307.6M10.06%1.43%0.80%62.9%
Q1 202661$311.3M9.70%1.22%0.63%60.9%
Q4 202561$299.8M9.91%1.29%0.60%64.6%
Q3 202555$296.1M9.99%2.11%0.76%62.5%
Q2 202568$299.3M9.55%0.39%0.46%58.5%
Q1 202571$291.8M9.69%0.11%0.52%61.4%
Q4 202463$293.6M9.50%0.47%0.09%63.1%
Q3 202464$300.3M9.34%0.38%0.19%63.7%
Q2 202465$302.8M9.26%0.34%0.26%66.1%

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 ratio10.06%
29th
Problem loans1.43%
15th
Net charge-offs0.13%
81st
Return on assets0.80%
54th
Loans to deposits62.9%
73rd
Uninsured deposits8.7%
24th
Loan-loss reserves0.00%
50th
Texas ratio8.3%
20th

Similar-size credit unions in Hawaii

InstitutionScoreAssetsCapitalProblem loansCompare
Hawaii Law Enforcement Federal Credit UnionCredit union Honolulu, HI78 out of 100, Strong$230.3M13.2%0.50%vs
Big Island Federal Credit UnionCredit union Hilo, HI71 out of 100, Strong$194.5M9.3%0.16%vs
Kauai Federal Credit UnionCredit union Lihue, HI36 out of 100, Low$192.8M8.8%2.71%vs
Honolulu Federal Credit UnionCredit union Honolulu, HI70 out of 100, Strong$423.3M12.8%1.36%vs
Valley Isle Community Federal Credit UnionCredit union Kahului, HI68 out of 100, Moderate$174.1M9.3%0.44%vs
CU Hawaii Federal Credit UnionCredit union Hilo, HI74 out of 100, Strong$460.3M11.0%0.33%vs

Deposit insurance

Is my money safe at Hawaii Central Federal Credit Union?

Yes. Hawaii Central Federal Credit Union is a federally insured credit union (NCUA charter #24839). 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 ($24.6M) 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 10.06%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Hawaii Central Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Hawaii Central Federal Credit Union
Type
Federal credit union
NCUA charter #
24839
RSSD ID
710390
Primary regulator
NCUA
Established
1937
Headquarters
681 S King St, Honolulu, HI 96813
Employees
37

Quick answers

Hawaii Central Federal Credit Union: common questions

Is Hawaii Central Federal Credit Union NCUA insured?

Yes. Hawaii Central Federal Credit Union is a federally insured credit union (NCUA charter #24839). 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 Hawaii Central Federal Credit Union's TellerScore?

62 out of 100 (Moderate), 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 Hawaii Central Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Honolulu

InstitutionScoreAssetsCapitalProblem loansCompare
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Hawaii Federal Credit UnionCredit union Honolulu, HI89 out of 100, Very strong$104.0M15.2%0.23%vs
Waialua Federal Credit UnionCredit union Waialua, HI88 out of 100, Very strong$47.4M17.8%0.16%vs
Ewa Federal Credit UnionCredit union Ewa Beach, HI86 out of 100, Very strong$13.1M23.9%0.65%vs
Hawaiian Electric Employees Federal Credit UnionCredit union Honolulu, HI83 out of 100, Strong$37.1M18.4%1.02%vs
Hawaii Schools Federal Credit UnionCredit union Honolulu, HI83 out of 100, Strong$78.9M13.2%0.18%vs