TellerScore

Hawaii Community Federal Credit Union (NCUA charter #1719) is based in Kailua Kona, Hawaii. Its Q2 2026 call report shows $808.3M in total assets and $737.8M in member shares and deposits and 10 offices.

Based on its Q2 2026 filing, Hawaii Community Federal Credit Union scores 60/100, which we describe as moderate. That is higher than only 21% of 1,341 credit unions with $100 million – $1 billion. Among 45 credit unions headquartered in Hawaii, it ranks 42nd. Its strongest component is funding & liquidity (100/100; 56% loans-to-deposits, 8% uninsured), and its lowest is earnings (41/100; 0.52%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Net worth ratio: 9.65%
Loan quality56/100
Loans 60+ days delinquent ÷ total loans: 1.32%
Earnings41/100
Return on assets (annualized): 0.52%
Funding & liquidity100/100
Loans ÷ shares: 55.9% · 7.7% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.04%

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 4 points (64 → 60), mostly because the loan quality component weakened by 12 points.

TellerScore
606570Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202461
Q4 202462
Q1 202570
Q2 202564
Q3 202570
Q4 202567
Q1 202667
Q2 202660
Net worth ratio
7.00%8.38%9.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.43%
Q3 20249.60%
Q4 20249.51%
Q1 20259.37%
Q2 20259.50%
Q3 20259.76%
Q4 20259.71%
Q1 20269.60%
Q2 20269.65%
Delinquent loans (60+ days)
0.58%0.95%1.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.80%
Q3 20240.99%
Q4 20240.81%
Q1 20250.59%
Q2 20250.96%
Q3 20250.58%
Q4 20250.73%
Q1 20260.65%
Q2 20261.32%
Return on assets
0.28%0.65%1.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.28%
Q3 20240.34%
Q4 20240.32%
Q1 20251.01%
Q2 20250.69%
Q3 20250.85%
Q4 20250.74%
Q1 20260.61%
Q2 20260.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$808.3M9.65%1.32%0.52%55.9%
Q1 202667$805.0M9.60%0.65%0.61%55.7%
Q4 202567$782.5M9.71%0.73%0.74%56.9%
Q3 202570$769.8M9.76%0.58%0.85%58.1%
Q2 202564$766.8M9.50%0.96%0.69%58.6%
Q1 202570$771.5M9.37%0.59%1.01%58.2%
Q4 202462$739.8M9.51%0.81%0.32%61.7%
Q3 202461$727.1M9.60%0.99%0.34%63.1%
Q2 202461$730.9M9.43%0.80%0.28%63.1%

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 ratio9.65%
23rd
Problem loans1.32%
18th
Net charge-offs0.22%
67th
Return on assets0.52%
32nd
Loans to deposits55.9%
84th
Uninsured deposits7.7%
32nd
Loan-loss reserves0.00%
50th
Texas ratio7.0%
25th

Similar-size credit unions in Hawaii

InstitutionScoreAssetsCapitalProblem loansCompare
Lokahi Federal Credit UnionCredit union Honolulu, HI66 out of 100, Moderate$701.9M9.5%0.39%vs
Gather Federal Credit UnionCredit union Lihue, HI81 out of 100, Strong$934.5M12.8%0.99%vs
University of Hawaii Federal Credit UnionCredit union Honolulu, HI81 out of 100, Strong$975.7M11.4%0.30%vs
Pearl Hawaii Federal Credit UnionCredit union Waipahu, HI77 out of 100, Strong$545.1M10.2%0.42%vs
Maui County Federal Credit UnionCredit union Wailuku, HI68 out of 100, Moderate$487.5M14.0%2.09%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 Community Federal Credit Union?

Yes. Hawaii Community Federal Credit Union is a federally insured credit union (NCUA charter #1719). 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 7.7% of shares and deposits ($57.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.65%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

10 locations

Branches

Hawaii Community Federal Credit Union lists 10 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Hawaii Community Federal Credit Union
Type
Federal credit union
NCUA charter #
1719
RSSD ID
130475
Primary regulator
NCUA
Established
1936
Headquarters
73-5611 Olowalu St, Kailua Kona, HI 96740
Employees
145

Quick answers

Hawaii Community Federal Credit Union: common questions

Is Hawaii Community Federal Credit Union NCUA insured?

Yes. Hawaii Community Federal Credit Union is a federally insured credit union (NCUA charter #1719). 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 Community Federal Credit Union's TellerScore?

60 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 Community Federal Credit Union have?

10 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Kailua Kona

InstitutionScoreAssetsCapitalProblem loansCompare
CU Hawaii Federal Credit UnionCredit union Hilo, HI74 out of 100, Strong$460.3M11.0%0.33%vs
Big Island Federal Credit UnionCredit union Hilo, HI71 out of 100, Strong$194.5M9.3%0.16%vs
American Savings Bank, National AssociationBank Honolulu, HI71 out of 100, Strong$9.0B9.1%0.19%vs
Central Pacific BankBank Honolulu, HI67 out of 100, Moderate$7.5B9.6%0.30%vs
First Hawaiian BankBank Honolulu, HI67 out of 100, Moderate$23.6B9.4%0.30%vs
Bank of HawaiiBank Honolulu, HI64 out of 100, Moderate$23.8B8.4%0.18%vs