Hawaii State Federal Credit Union (NCUA charter #1718) is based in Honolulu, Hawaii. Its Q2 2026 call report shows $2.9B in total assets and $2.5B in member shares and deposits and 14 offices.
Hawaii State Federal Credit Union has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than 62% of its 454 credit unions with $1 billion – $10 billion. Among 45 credit unions headquartered in Hawaii, it ranks 25th. Funding & liquidity contributes the most (100/100, 60% loans-to-deposits, 3% uninsured); capital cushion contributes the least (50/100, 9.98%).
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 12 points (59 → 71), mostly because the earnings component improved by 28 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 61 |
| Q4 2024 | 56 |
| Q1 2025 | 58 |
| Q2 2025 | 59 |
| Q3 2025 | 62 |
| Q4 2025 | 62 |
| Q1 2026 | 67 |
| Q2 2026 | 71 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.34% |
| Q3 2024 | 9.48% |
| Q4 2024 | 8.47% |
| Q1 2025 | 8.65% |
| Q2 2025 | 8.73% |
| Q3 2025 | 9.12% |
| Q4 2025 | 9.17% |
| Q1 2026 | 9.44% |
| Q2 2026 | 9.98% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.47% |
| Q3 2024 | 1.55% |
| Q4 2024 | 1.47% |
| Q1 2025 | 1.48% |
| Q2 2025 | 1.43% |
| Q3 2025 | 1.35% |
| Q4 2025 | 1.24% |
| Q1 2026 | 1.06% |
| Q2 2026 | 1.07% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.07% |
| Q3 2024 | 1.00% |
| Q4 2024 | 0.68% |
| Q1 2025 | 0.85% |
| Q2 2025 | 0.87% |
| Q3 2025 | 1.00% |
| Q4 2025 | 0.92% |
| Q1 2026 | 1.27% |
| Q2 2026 | 1.57% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $2.9B | 9.98% | 1.07% | 1.57% | 59.6% |
| Q1 2026 | 67 | $2.9B | 9.44% | 1.06% | 1.27% | 57.5% |
| Q4 2025 | 62 | $2.9B | 9.17% | 1.24% | 0.92% | 57.3% |
| Q3 2025 | 62 | $2.8B | 9.12% | 1.35% | 1.00% | 56.4% |
| Q2 2025 | 59 | $2.9B | 8.73% | 1.43% | 0.87% | 53.8% |
| Q1 2025 | 58 | $2.8B | 8.65% | 1.48% | 0.85% | 53.9% |
| Q4 2024 | 56 | $2.7B | 8.47% | 1.47% | 0.68% | 56.3% |
| Q3 2024 | 61 | $2.4B | 9.48% | 1.55% | 1.00% | 61.1% |
| Q2 2024 | 62 | $2.4B | 9.34% | 1.47% | 1.07% | 59.5% |
454 peers · $1 billion – $10 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).
Similar-size credit unions in Hawaii
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Hawaiiusa Federal Credit UnionCredit union Honolulu, HI | 73 out of 100, Strong | $2.7B | 10.6% | 0.39% | vs |
| Aloha Pacific Federal Credit UnionCredit union Honolulu, HI | 70 out of 100, Strong | $1.5B | 9.8% | 0.50% | vs |
| Hawaiian Financial Federal Credit UnionCredit union Honolulu, HI | 75 out of 100, Strong | $1.1B | 11.7% | 0.54% | vs |
| Hfs Federal Credit UnionCredit union Hilo, HI | 61 out of 100, Moderate | $1.1B | 9.3% | 1.41% | vs |
Deposit insurance
Is my money safe at Hawaii State Federal Credit Union?
Yes. Hawaii State Federal Credit Union is a federally insured credit union (NCUA charter #1718). 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 3.5% of shares and deposits ($87.8M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 9.98%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
14 locations
Branches
Hawaii State Federal Credit Union lists 14 offices in 8 cities. Most locations:
- Honolulu, HI (7)
- Aiea, HI (1)
- Kahului, HI (1)
- Kaneohe, HI (1)
- Kapolei, HI (1)
- Kihei, HI (1)
- Mililani, HI (1)
- Waipahu, HI (1)
HMDA 2025
Mortgage lending
In 2025, Hawaii State Federal Credit Union reported 1,366 home-loan applications under HMDA (LEI 5493005VBGFDRV6FSU19): 847 originated ($256,045,000 total), 426 denied, and 81 withdrawn or closed by the applicant. Its denial rate on decided applications was 33.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Hawaii State Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 1718
- RSSD ID
- 249377
- Primary regulator
- NCUA
- Established
- 1936
- Headquarters
- 333 Queen St, Honolulu, HI 96813
- Employees
- 390
Quick answers
Hawaii State Federal Credit Union: common questions
Is Hawaii State Federal Credit Union NCUA insured?
Yes. Hawaii State Federal Credit Union is a federally insured credit union (NCUA charter #1718). 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 State Federal Credit Union's TellerScore?
71 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 State Federal Credit Union have?
14 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Honolulu
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Hawaii Federal Credit UnionCredit union Honolulu, HI | 89 out of 100, Very strong | $104.0M | 15.2% | 0.23% | vs |
| Waialua Federal Credit UnionCredit union Waialua, HI | 88 out of 100, Very strong | $47.4M | 17.8% | 0.16% | vs |
| Ewa Federal Credit UnionCredit union Ewa Beach, HI | 86 out of 100, Very strong | $13.1M | 23.9% | 0.65% | vs |
| Hawaiian Electric Employees Federal Credit UnionCredit union Honolulu, HI | 83 out of 100, Strong | $37.1M | 18.4% | 1.02% | vs |
| Hawaii Schools Federal Credit UnionCredit union Honolulu, HI | 83 out of 100, Strong | $78.9M | 13.2% | 0.18% | vs |