TellerScore

Honolulu 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 $423.3M in total assets and $365.3M in member shares and deposits, with 5 offices.

Based on its Q2 2026 filing, Honolulu Federal Credit Union scores 70/100, which we describe as strong. That is higher than 51% of 1,341 credit unions with $100 million – $1 billion. Among 45 credit unions headquartered in Hawaii, it ranks 29th. Its strongest component is problem-loan coverage (83/100; 8.4%), and its lowest is loan quality (55/100; 1.36%).

TellerScore · Q2 2026

Scorecard

Capital cushion78/100
Net worth ratio: 12.76%
Loan quality55/100
Loans 60+ days delinquent ÷ total loans: 1.36%
Earnings67/100
Return on assets (annualized): 1.17%
Funding & liquidity73/100
Loans ÷ shares: 87.1% · 9.3% uninsured
Problem-loan coverage83/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.40%

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 fell 5 points (75 → 70), mostly because the loan quality component weakened by 19 points.

TellerScore
697275Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202470
Q3 202472
Q4 202469
Q1 202575
Q2 202575
Q3 202570
Q4 202574
Q1 202669
Q2 202670
Net worth ratio
7.00%9.88%12.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202411.65%
Q3 202411.90%
Q4 202411.96%
Q1 202512.05%
Q2 202512.54%
Q3 202512.72%
Q4 202512.70%
Q1 202612.61%
Q2 202612.76%
Delinquent loans (60+ days)
0.56%0.96%1.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.83%
Q3 20240.72%
Q4 20241.04%
Q1 20250.56%
Q2 20250.77%
Q3 20251.36%
Q4 20250.87%
Q1 20261.35%
Q2 20261.36%
Return on assets
0.93%1.06%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.93%
Q3 20240.99%
Q4 20240.98%
Q1 20251.02%
Q2 20251.14%
Q3 20251.19%
Q4 20251.17%
Q1 20261.12%
Q2 20261.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$423.3M12.76%1.36%1.17%87.1%
Q1 202669$418.1M12.61%1.35%1.12%83.5%
Q4 202574$405.8M12.70%0.87%1.17%85.1%
Q3 202570$397.5M12.72%1.36%1.19%84.8%
Q2 202575$392.8M12.54%0.77%1.14%83.3%
Q1 202575$398.5M12.05%0.56%1.02%81.9%
Q4 202469$393.2M11.96%1.04%0.98%82.1%
Q3 202472$388.7M11.90%0.72%0.99%82.0%
Q2 202470$387.8M11.65%0.83%0.93%82.1%

1,341 peers · $100 million – $1 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 ratio12.76%
67th
Problem loans1.36%
17th
Net charge-offs0.27%
60th
Return on assets1.17%
76th
Loans to deposits87.1%
23rd
Uninsured deposits9.3%
20th
Loan-loss reserves0.00%
50th
Texas ratio8.4%
19th

Similar-size credit unions in Hawaii

InstitutionScoreAssetsCapitalProblem loansCompare
CU Hawaii Federal Credit UnionCredit union Hilo, HI74 out of 100, Strong$460.3M11.0%0.33%vs
Maui County Federal Credit UnionCredit union Wailuku, HI68 out of 100, Moderate$487.5M14.0%2.09%vs
Hawaii Central Federal Credit UnionCredit union Honolulu, HI62 out of 100, Moderate$307.6M10.1%1.43%vs
Pearl Hawaii Federal Credit UnionCredit union Waipahu, HI77 out of 100, Strong$545.1M10.2%0.42%vs
Hawaii Law Enforcement Federal Credit UnionCredit union Honolulu, HI78 out of 100, Strong$230.3M13.2%0.50%vs
Big Island Federal Credit UnionCredit union Hilo, HI71 out of 100, Strong$194.5M9.3%0.16%vs

Deposit insurance

Is my money safe at Honolulu Federal Credit Union?

Yes. Honolulu Federal Credit Union is a federally insured credit union (NCUA charter #1830). 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 9.3% of shares and deposits ($34.0M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.76%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Honolulu Federal Credit Union lists 5 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Honolulu Federal Credit Union
Type
Federal credit union
NCUA charter #
1830
RSSD ID
275778
Primary regulator
NCUA
Established
1936
Headquarters
P.O. Box 235862, Honolulu, HI 96823
Employees
64

Quick answers

Honolulu Federal Credit Union: common questions

Is Honolulu Federal Credit Union NCUA insured?

Yes. Honolulu Federal Credit Union is a federally insured credit union (NCUA charter #1830). 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 Honolulu Federal Credit Union's TellerScore?

70 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 Honolulu Federal Credit Union have?

5 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
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
Hawaii Schools Federal Credit UnionCredit union Honolulu, HI83 out of 100, Strong$78.9M13.2%0.18%vs
Hawaiian Electric Employees Federal Credit UnionCredit union Honolulu, HI83 out of 100, Strong$37.1M18.4%1.02%vs