TellerScore

Headquartered in Hilo, Hawaii, Hfs Federal Credit Union is a federal credit union with $1.1B in total assets and $987.9M in member shares and deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1937.

Based on its Q2 2026 filing, Hfs Federal Credit Union scores 61/100, which we describe as moderate. That is higher than only 27% of 454 credit unions with $1 billion – $10 billion. Among 45 credit unions headquartered in Hawaii, it ranks 40th. Its strongest component is funding & liquidity (100/100; 49% loans-to-deposits, 13% uninsured), and its lowest is capital cushion (43/100; 9.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Net worth ratio: 9.32%
Loan quality53/100
Loans 60+ days delinquent ÷ total loans: 1.41%
Earnings58/100
Return on assets (annualized): 0.96%
Funding & liquidity100/100
Loans ÷ shares: 48.8% · 12.7% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.85%

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 fell 2 points (63 → 61), mostly because the loan quality component weakened by 5 points.

TellerScore
616466Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202464
Q3 202463
Q4 202462
Q1 202566
Q2 202563
Q3 202563
Q4 202562
Q1 202662
Q2 202661
Net worth ratio
7.00%8.16%9.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20249.23%
Q3 20249.26%
Q4 20249.27%
Q1 20259.04%
Q2 20259.08%
Q3 20259.18%
Q4 20259.05%
Q1 20269.03%
Q2 20269.32%
Delinquent loans (60+ days)
0.71%1.06%1.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.88%
Q3 20240.99%
Q4 20241.24%
Q1 20250.71%
Q2 20251.27%
Q3 20251.38%
Q4 20251.42%
Q1 20261.09%
Q2 20261.41%
Return on assets
0.68%0.90%1.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.71%
Q3 20240.68%
Q4 20240.78%
Q1 20250.89%
Q2 20251.04%
Q3 20251.13%
Q4 20251.06%
Q1 20260.78%
Q2 20260.96%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$1.1B9.32%1.41%0.96%48.8%
Q1 202662$1.1B9.03%1.09%0.78%47.2%
Q4 202562$1.1B9.05%1.42%1.06%47.9%
Q3 202563$1.0B9.18%1.38%1.13%49.3%
Q2 202563$1.0B9.08%1.27%1.04%49.1%
Q1 202566$974.8M9.04%0.71%0.89%49.8%
Q4 202462$927.6M9.27%1.24%0.78%51.5%
Q3 202463$901.7M9.26%0.99%0.68%51.3%
Q2 202464$889.0M9.23%0.88%0.71%50.5%

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).

Capital ratio9.32%
16th
Problem loans1.41%
12th
Net charge-offs0.61%
38th
Return on assets0.96%
65th
Loans to deposits48.8%
98th
Uninsured deposits12.7%
22nd
Loan-loss reserves0.00%
50th
Texas ratio6.9%
30th

Similar-size credit unions in Hawaii

InstitutionScoreAssetsCapitalProblem loansCompare
Hawaiian Financial Federal Credit UnionCredit union Honolulu, HI75 out of 100, Strong$1.1B11.7%0.54%vs
Aloha Pacific Federal Credit UnionCredit union Honolulu, HI70 out of 100, Strong$1.5B9.8%0.50%vs
Hawaiiusa Federal Credit UnionCredit union Honolulu, HI73 out of 100, Strong$2.7B10.6%0.39%vs
Hawaii State Federal Credit UnionCredit union Honolulu, HI71 out of 100, Strong$2.9B10.0%1.07%vs

Deposit insurance

Is my money safe at Hfs Federal Credit Union?

Yes. Hfs Federal Credit Union is a federally insured credit union (NCUA charter #1829). 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 12.7% of shares and deposits ($125.4M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 9.32%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Hfs Federal Credit Union lists 6 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Hfs Federal Credit Union
Type
Federal credit union
NCUA charter #
1829
RSSD ID
271574
Primary regulator
NCUA
Established
1937
Headquarters
632 Kinoole St, Hilo, HI 96720
Employees
136

Quick answers

Hfs Federal Credit Union: common questions

Is Hfs Federal Credit Union NCUA insured?

Yes. Hfs Federal Credit Union is a federally insured credit union (NCUA charter #1829). 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 Hfs Federal Credit Union's TellerScore?

61 out of 100 (Moderate), 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 Hfs Federal Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Hilo

InstitutionScoreAssetsCapitalProblem loansCompare
Hawaii County Employees Federal Credit UnionCredit union Hilo, HI93 out of 100, Very strong$148.0M15.2%0.21%vs
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