TellerScore

Headquartered in Honolulu, Hawaii, Hawaiiusa Federal Credit Union is a federal credit union with $2.7B in total assets and $2.4B in member shares and deposits as of Q2 2026. It operates 9 offices. Its charter dates back to 1936.

Hawaiiusa Federal Credit Union has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 70% of its 454 credit unions with $1 billion – $10 billion. Among 45 credit unions headquartered in Hawaii, it ranks 24th. Problem-loan coverage contributes the most (96/100, 2.2%); earnings contributes the least (54/100, 0.85%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Net worth ratio: 10.63%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.39%
Earnings54/100
Return on assets (annualized): 0.85%
Funding & liquidity94/100
Loans ÷ shares: 66.5% · 9.5% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.19%

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 5 points (68 → 73), mostly because the earnings component improved by 13 points.

TellerScore
636873Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202467
Q4 202465
Q1 202563
Q2 202568
Q3 202569
Q4 202569
Q1 202673
Q2 202673
Net worth ratio
7.00%8.81%10.63%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.44%
Q3 202410.21%
Q4 202410.07%
Q1 20259.94%
Q2 202510.23%
Q3 202510.29%
Q4 202510.32%
Q1 202610.38%
Q2 202610.63%
Delinquent loans (60+ days)
0.30%0.51%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.38%
Q3 20240.34%
Q4 20240.54%
Q1 20250.71%
Q2 20250.56%
Q3 20250.46%
Q4 20250.47%
Q1 20260.30%
Q2 20260.39%
Return on assets
0.13%0.49%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.14%
Q3 20240.15%
Q4 20240.15%
Q1 20250.13%
Q2 20250.52%
Q3 20250.51%
Q4 20250.54%
Q1 20260.78%
Q2 20260.85%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$2.7B10.63%0.39%0.85%66.5%
Q1 202673$2.7B10.38%0.30%0.78%64.8%
Q4 202569$2.6B10.32%0.47%0.54%64.9%
Q3 202569$2.6B10.29%0.46%0.51%63.7%
Q2 202568$2.6B10.23%0.56%0.52%62.4%
Q1 202563$2.6B9.94%0.71%0.13%61.0%
Q4 202465$2.6B10.07%0.54%0.15%61.9%
Q3 202467$2.6B10.21%0.34%0.15%62.3%
Q2 202467$2.5B10.44%0.38%0.14%63.4%

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).

Capital ratio10.63%
44th
Problem loans0.39%
81st
Net charge-offs0.34%
71st
Return on assets0.85%
54th
Loans to deposits66.5%
89th
Uninsured deposits9.5%
49th
Loan-loss reserves0.00%
50th
Texas ratio2.2%
85th

Similar-size credit unions in Hawaii

InstitutionScoreAssetsCapitalProblem loansCompare
Hawaii State Federal Credit UnionCredit union Honolulu, HI71 out of 100, Strong$2.9B10.0%1.07%vs
Aloha Pacific Federal Credit UnionCredit union Honolulu, HI70 out of 100, Strong$1.5B9.8%0.50%vs
Hawaiian Financial Federal Credit UnionCredit union Honolulu, HI75 out of 100, Strong$1.1B11.7%0.54%vs
Hfs Federal Credit UnionCredit union Hilo, HI61 out of 100, Moderate$1.1B9.3%1.41%vs

Deposit insurance

Is my money safe at Hawaiiusa Federal Credit Union?

Yes. Hawaiiusa Federal Credit Union is a federally insured credit union (NCUA charter #1815). 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 9.5% of shares and deposits ($222.9M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.63%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

Hawaiiusa Federal Credit Union lists 9 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Hawaiiusa Federal Credit Union reported 1,829 home-loan applications under HMDA (LEI 549300Z6QWABFYI73E79): 777 originated ($246,665,000 total), 698 denied, and 189 withdrawn or closed by the applicant. Its denial rate on decided applications was 42.6%, 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
Hawaiiusa Federal Credit Union
Type
Federal credit union
NCUA charter #
1815
RSSD ID
269777
Primary regulator
NCUA
Established
1936
Headquarters
1226 College Walk, Honolulu, HI 96817
Employees
357

Quick answers

Hawaiiusa Federal Credit Union: common questions

Is Hawaiiusa Federal Credit Union NCUA insured?

Yes. Hawaiiusa Federal Credit Union is a federally insured credit union (NCUA charter #1815). 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 Hawaiiusa Federal Credit Union's TellerScore?

73 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 Hawaiiusa Federal Credit Union have?

9 offices 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
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Hawaiian Electric Employees Federal Credit UnionCredit union Honolulu, HI83 out of 100, Strong$37.1M18.4%1.02%vs
Hawaii Schools Federal Credit UnionCredit union Honolulu, HI83 out of 100, Strong$78.9M13.2%0.18%vs