Hawaii First Federal Credit Union is a federal credit union headquartered in Kamuela, Hawaii, in business for about 70 years. At the end of Q2 2026 it reported $73.4M in total assets and $63.2M in member shares and deposits, with 2 offices.
Hawaii First Federal Credit Union has a TellerScore of 41 out of 100 (below average) based on Q2 2026 data — higher than only 3% of its 2,479 credit unions with under $100 million in assets. Among 45 credit unions headquartered in Hawaii, it ranks 43rd. Funding & liquidity contributes the most (84/100, 77% loans-to-deposits, 8% uninsured); loan quality contributes the least (0/100, 3.68%).
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 9 points (32 → 41), mostly because the problem-loan coverage component improved by 29 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 42 |
| Q3 2024 | 44 |
| Q4 2024 | 35 |
| Q1 2025 | 35 |
| Q2 2025 | 32 |
| Q3 2025 | 34 |
| Q4 2025 | 36 |
| Q1 2026 | 41 |
| Q2 2026 | 41 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.54% |
| Q3 2024 | 9.93% |
| Q4 2024 | 9.53% |
| Q1 2025 | 9.20% |
| Q2 2025 | 9.17% |
| Q3 2025 | 9.49% |
| Q4 2025 | 9.26% |
| Q1 2026 | 9.14% |
| Q2 2026 | 9.78% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 2.09% |
| Q3 2024 | 2.12% |
| Q4 2024 | 3.17% |
| Q1 2025 | 3.87% |
| Q2 2025 | 4.96% |
| Q3 2025 | 4.20% |
| Q4 2025 | 4.93% |
| Q1 2026 | 3.94% |
| Q2 2026 | 3.68% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.10% |
| Q3 2024 | 0.19% |
| Q4 2024 | 0.28% |
| Q1 2025 | 0.42% |
| Q2 2025 | 0.44% |
| Q3 2025 | 0.56% |
| Q4 2025 | 0.67% |
| Q1 2026 | 1.13% |
| Q2 2026 | 0.90% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 41 | $73.4M | 9.78% | 3.68% | 0.90% | 76.6% |
| Q1 2026 | 41 | $77.2M | 9.14% | 3.94% | 1.13% | 71.9% |
| Q4 2025 | 36 | $73.9M | 9.26% | 4.93% | 0.67% | 79.5% |
| Q3 2025 | 34 | $70.1M | 9.49% | 4.20% | 0.56% | 85.4% |
| Q2 2025 | 32 | $71.0M | 9.17% | 4.96% | 0.44% | 82.1% |
| Q1 2025 | 35 | $69.9M | 9.20% | 3.87% | 0.42% | 83.0% |
| Q4 2024 | 35 | $66.7M | 9.53% | 3.17% | 0.28% | 83.8% |
| Q3 2024 | 44 | $63.1M | 9.93% | 2.12% | 0.19% | 89.4% |
| Q2 2024 | 42 | $65.1M | 9.54% | 2.09% | 0.10% | 90.8% |
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 |
|---|---|---|---|---|---|
| Kahului Federal Credit UnionCredit union Kahului, HI | 82 out of 100, Strong | $78.8M | 13.9% | 0.13% | vs |
| Hawaii Schools Federal Credit UnionCredit union Honolulu, HI | 83 out of 100, Strong | $78.9M | 13.2% | 0.18% | vs |
| Kauai Ohana Federal Credit UnionCredit union Lihue, HI | 63 out of 100, Moderate | $63.3M | 8.6% | 0.59% | vs |
| Honolulu Fire Department Federal Credit UnionCredit union Honolulu, HI | 68 out of 100, Moderate | $84.5M | 11.6% | 0.99% | vs |
| Waialua Federal Credit UnionCredit union Waialua, HI | 88 out of 100, Very strong | $47.4M | 17.8% | 0.16% | vs |
| Helco Federal Credit UnionCredit union Hilo, HI | 84 out of 100, Strong | $46.5M | 18.8% | 0.14% | vs |
Deposit insurance
Is my money safe at Hawaii First Federal Credit Union?
Yes. Hawaii First Federal Credit Union is a federally insured credit union (NCUA charter #10938). 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 ($4.9M) 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 9.78%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Hawaii First Federal Credit Union lists 2 offices in 2 cities. Most locations:
- Hilo, HI (1)
- Kamuela, HI (1)
Identity & history
Profile
- Legal name
- Hawaii First Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 10938
- RSSD ID
- 779182
- Primary regulator
- NCUA
- Established
- 1956
- Headquarters
- PO Box 446, Kamuela, HI 96743
- Employees
- 25
Quick answers
Hawaii First Federal Credit Union: common questions
Is Hawaii First Federal Credit Union NCUA insured?
Yes. Hawaii First Federal Credit Union is a federally insured credit union (NCUA charter #10938). 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 First Federal Credit Union's TellerScore?
41 out of 100 (Below average), 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 First Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Kamuela
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| CU Hawaii Federal Credit UnionCredit union Hilo, HI | 74 out of 100, Strong | $460.3M | 11.0% | 0.33% | 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 |
| First Hawaiian BankBank Honolulu, HI | 67 out of 100, Moderate | $23.6B | 9.4% | 0.30% | vs |
| Bank of HawaiiBank Honolulu, HI | 64 out of 100, Moderate | $23.8B | 8.4% | 0.18% | vs |
| Hfs Federal Credit UnionCredit union Hilo, HI | 61 out of 100, Moderate | $1.1B | 9.3% | 1.41% | vs |