TellerScore

Hawaii County Employees Federal Credit Union is a federal credit union headquartered in Hilo, Hawaii, in business for about 90 years. At the end of Q2 2026 it reported $148.0M in total assets and $124.7M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Hawaii County Employees Federal Credit Union scores 93/100, which we describe as very strong. That is higher than 97% of 1,341 credit unions with $100 million – $1 billion. Among 45 credit unions headquartered in Hawaii, it ranks 1st. Its strongest component is capital cushion (100/100; 15.17%), and its lowest is earnings (74/100; 1.36%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.17%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.21%
Earnings74/100
Return on assets (annualized): 1.36%
Funding & liquidity100/100
Loans ÷ shares: 36.6% · 0.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.42%

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 (93 → 93).

TellerScore
879093Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202493
Q3 202493
Q4 202487
Q1 202590
Q2 202593
Q3 202591
Q4 202592
Q1 202689
Q2 202693
Net worth ratio
7.00%11.29%15.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.53%
Q3 202415.58%
Q4 202415.16%
Q1 202515.10%
Q2 202515.29%
Q3 202515.38%
Q4 202515.15%
Q1 202615.08%
Q2 202615.17%
Delinquent loans (60+ days)
0.15%0.42%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.15%
Q3 20240.28%
Q4 20240.59%
Q1 20250.64%
Q2 20250.29%
Q3 20250.58%
Q4 20250.15%
Q1 20260.68%
Q2 20260.21%
Return on assets
1.07%1.29%1.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.36%
Q3 20241.39%
Q4 20241.07%
Q1 20251.51%
Q2 20251.51%
Q3 20251.50%
Q4 20251.20%
Q1 20261.32%
Q2 20261.36%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202693$148.0M15.17%0.21%1.36%36.6%
Q1 202689$145.4M15.08%0.68%1.32%36.9%
Q4 202592$141.6M15.15%0.15%1.20%38.5%
Q3 202591$138.5M15.38%0.58%1.50%38.7%
Q2 202593$135.8M15.29%0.29%1.51%38.8%
Q1 202590$134.2M15.10%0.64%1.51%39.0%
Q4 202487$130.3M15.16%0.59%1.07%40.3%
Q3 202493$126.3M15.58%0.28%1.39%40.7%
Q2 202493$123.6M15.53%0.15%1.36%40.6%

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 ratio15.17%
86th
Problem loans0.21%
89th
Net charge-offs0.02%
95th
Return on assets1.36%
84th
Loans to deposits36.6%
97th
Uninsured deposits0.0%
98th
Loan-loss reserves0.00%
50th
Texas ratio0.4%
95th

Similar-size credit unions in Hawaii

InstitutionScoreAssetsCapitalProblem loansCompare
Maui Federal Credit UnionCredit union Kahului, HI81 out of 100, Strong$146.2M14.5%1.15%vs
Wailuku Federal Credit UnionCredit union Kahului, HI79 out of 100, Strong$135.4M12.7%1.18%vs
Garden Island Federal Credit UnionCredit union Lihue, HI71 out of 100, Strong$126.2M13.7%1.35%vs
Valley Isle Community Federal Credit UnionCredit union Kahului, HI68 out of 100, Moderate$174.1M9.3%0.44%vs
Hawaii Federal Credit UnionCredit union Honolulu, HI89 out of 100, Very strong$104.0M15.2%0.23%vs
Ko`olau Federal Credit UnionCredit union Kailua, HI75 out of 100, Strong$103.9M9.4%0.05%vs

Deposit insurance

Is my money safe at Hawaii County Employees Federal Credit Union?

Yes. Hawaii County Employees Federal Credit Union is a federally insured credit union (NCUA charter #1784). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 15.17%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Hawaii County Employees Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Hawaii County Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
1784
RSSD ID
263476
Primary regulator
NCUA
Established
1936
Headquarters
131 Puuhonu Way, Hilo, HI 96720
Employees
16

Quick answers

Hawaii County Employees Federal Credit Union: common questions

Is Hawaii County Employees Federal Credit Union NCUA insured?

Yes. Hawaii County Employees Federal Credit Union is a federally insured credit union (NCUA charter #1784). 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 County Employees Federal Credit Union's TellerScore?

93 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 Hawaii County Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Hilo

InstitutionScoreAssetsCapitalProblem loansCompare
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
CU Hawaii Federal Credit UnionCredit union Hilo, HI74 out of 100, Strong$460.3M11.0%0.33%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