TellerScore

Hawaii Schools Federal Credit Union is a federal credit union headquartered in Honolulu, Hawaii, in business for about 90 years. At the end of Q2 2026 it reported $78.9M in total assets and $68.2M in member shares and deposits, with 1 office.

Hawaii Schools Federal Credit Union has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,479 credit unions with under $100 million in assets. Among 45 credit unions headquartered in Hawaii, it ranks 10th. Funding & liquidity contributes the most (100/100, 34% loans-to-deposits, 6% uninsured); earnings contributes the least (52/100, 0.80%).

TellerScore · Q2 2026

Scorecard

Capital cushion82/100
Net worth ratio: 13.24%
Loan quality94/100
Loans 60+ days delinquent ÷ total loans: 0.18%
Earnings52/100
Return on assets (annualized): 0.80%
Funding & liquidity100/100
Loans ÷ shares: 33.7% · 5.8% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.40%

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 2 points (81 → 83), mostly because the earnings component improved by 17 points.

TellerScore
808284Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202483
Q4 202482
Q1 202580
Q2 202581
Q3 202581
Q4 202582
Q1 202684
Q2 202683
Net worth ratio
7.00%10.25%13.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.27%
Q3 202413.20%
Q4 202412.94%
Q1 202512.90%
Q2 202512.88%
Q3 202513.13%
Q4 202513.51%
Q1 202613.45%
Q2 202613.24%
Delinquent loans (60+ days)
0.01%0.10%0.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.03%
Q3 20240.01%
Q4 20240.02%
Q1 20250.01%
Q2 20250.01%
Q3 20250.09%
Q4 20250.14%
Q1 20260.20%
Q2 20260.18%
Return on assets
0.32%0.56%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.54%
Q3 20240.49%
Q4 20240.53%
Q1 20250.32%
Q2 20250.37%
Q3 20250.42%
Q4 20250.50%
Q1 20260.76%
Q2 20260.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$78.9M13.24%0.18%0.80%33.7%
Q1 202684$76.7M13.45%0.20%0.76%33.3%
Q4 202582$75.2M13.51%0.14%0.50%34.5%
Q3 202581$76.3M13.13%0.09%0.42%34.3%
Q2 202581$77.1M12.88%0.01%0.37%33.6%
Q1 202580$76.7M12.90%0.01%0.32%33.5%
Q4 202482$75.9M12.94%0.02%0.53%33.9%
Q3 202483$73.5M13.20%0.01%0.49%34.5%
Q2 202483$72.5M13.27%0.03%0.54%35.0%

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).

Capital ratio13.24%
41st
Problem loans0.18%
75th
Net charge-offs-0.06%
92nd
Return on assets0.80%
58th
Loans to deposits33.7%
85th
Uninsured deposits5.8%
18th
Loan-loss reserves0.00%
37th
Texas ratio0.4%
77th

Similar-size credit unions in Hawaii

InstitutionScoreAssetsCapitalProblem loansCompare
Kahului Federal Credit UnionCredit union Kahului, HI82 out of 100, Strong$78.8M13.9%0.13%vs
Hawaii First Federal Credit UnionCredit union Kamuela, HI41 out of 100, Below average$73.4M9.8%3.68%vs
Honolulu Fire Department Federal Credit UnionCredit union Honolulu, HI68 out of 100, Moderate$84.5M11.6%0.99%vs
Kauai Ohana Federal Credit UnionCredit union Lihue, HI63 out of 100, Moderate$63.3M8.6%0.59%vs
Waialua Federal Credit UnionCredit union Waialua, HI88 out of 100, Very strong$47.4M17.8%0.16%vs
Helco Federal Credit UnionCredit union Hilo, HI84 out of 100, Strong$46.5M18.8%0.14%vs

Deposit insurance

Is my money safe at Hawaii Schools Federal Credit Union?

Yes. Hawaii Schools Federal Credit Union is a federally insured credit union (NCUA charter #1785). 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 5.8% of shares and deposits ($3.9M) 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 13.24%, 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 Schools Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Hawaii Schools Federal Credit Union
Type
Federal credit union
NCUA charter #
1785
RSSD ID
140670
Primary regulator
NCUA
Established
1936
Headquarters
233 Vineyard St, Honolulu, HI 96813
Employees
8

Quick answers

Hawaii Schools Federal Credit Union: common questions

Is Hawaii Schools Federal Credit Union NCUA insured?

Yes. Hawaii Schools Federal Credit Union is a federally insured credit union (NCUA charter #1785). 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 Schools Federal Credit Union's TellerScore?

83 out of 100 (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 Schools Federal Credit Union have?

1 office 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
University of Hawaii Federal Credit UnionCredit union Honolulu, HI81 out of 100, Strong$975.7M11.4%0.30%vs