TellerScore

Headquartered in Honolulu, Hawaii, Hotel and Travel Industry Federal Credit Union is a federal credit union with $40.0M in total assets and $37.2M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1954.

Based on its Q2 2026 filing, Hotel and Travel Industry Federal Credit Union scores 61/100, which we describe as moderate. That is higher than only 23% of 2,479 credit unions with under $100 million in assets. Among 45 credit unions headquartered in Hawaii, it ranks 41st. Its strongest component is funding & liquidity (100/100; 43% loans-to-deposits, 1% uninsured), and its lowest is earnings (33/100; 0.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion39/100
Net worth ratio: 8.93%
Loan quality73/100
Loans 60+ days delinquent ÷ total loans: 0.81%
Earnings33/100
Return on assets (annualized): 0.33%
Funding & liquidity100/100
Loans ÷ shares: 42.7% · 1.2% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.06%

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 (49 → 61), mostly because the loan quality component improved by 37 points.

TellerScore
495561Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202458
Q4 202455
Q1 202556
Q2 202549
Q3 202554
Q4 202557
Q1 202660
Q2 202661
Net worth ratio
7.00%8.02%9.04%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.81%
Q3 20248.75%
Q4 20248.68%
Q1 20258.65%
Q2 20258.89%
Q3 20258.96%
Q4 20259.04%
Q1 20268.89%
Q2 20268.93%
Delinquent loans (60+ days)
0.71%1.31%1.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.71%
Q3 20240.98%
Q4 20241.19%
Q1 20251.00%
Q2 20251.91%
Q3 20251.56%
Q4 20251.22%
Q1 20260.75%
Q2 20260.81%
Return on assets
0.03%0.18%0.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.22%
Q3 20240.18%
Q4 20240.14%
Q1 20250.03%
Q2 20250.18%
Q3 20250.33%
Q4 20250.31%
Q1 20260.19%
Q2 20260.33%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$40.0M8.93%0.81%0.33%42.7%
Q1 202660$40.2M8.89%0.75%0.19%43.5%
Q4 202557$39.3M9.04%1.22%0.31%45.4%
Q3 202554$39.6M8.96%1.56%0.33%46.7%
Q2 202549$39.2M8.89%1.91%0.18%45.0%
Q1 202556$39.9M8.65%1.00%0.03%44.9%
Q4 202455$39.7M8.68%1.19%0.14%42.9%
Q3 202458$39.6M8.75%0.98%0.18%43.6%
Q2 202461$39.2M8.81%0.71%0.22%42.5%

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 ratio8.93%
9th
Problem loans0.81%
46th
Net charge-offs0.76%
19th
Return on assets0.33%
33rd
Loans to deposits42.7%
74th
Uninsured deposits1.2%
52nd
Loan-loss reserves0.00%
37th
Texas ratio4.1%
35th

Similar-size credit unions in Hawaii

InstitutionScoreAssetsCapitalProblem loansCompare
Maui Teachers Federal Credit UnionCredit union Wailuku, HI89 out of 100, Very strong$38.5M16.8%0.00%vs
Molokai Community Federal Credit UnionCredit union Kaunakakai, HI68 out of 100, Moderate$38.3M18.5%4.40%vs
Lanai Federal Credit UnionCredit union Lanai City, HI78 out of 100, Strong$38.2M11.9%0.88%vs
Hawaiian Electric Employees Federal Credit UnionCredit union Honolulu, HI83 out of 100, Strong$37.1M18.4%1.02%vs
Signia Federal Credit UnionCredit union Wahiawa, HI63 out of 100, Moderate$34.0M17.2%2.28%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 Hotel and Travel Industry Federal Credit Union?

Yes. Hotel and Travel Industry Federal Credit Union is a federally insured credit union (NCUA charter #9115). 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 1.2% of shares and deposits ($436K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 8.93%, slightly 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

Hotel and Travel Industry Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Hotel and Travel Industry Federal Credit Union
Type
Federal credit union
NCUA charter #
9115
RSSD ID
372088
Primary regulator
NCUA
Established
1954
Headquarters
1914 S King St Ste 100, Honolulu, HI 96826
Employees
8

Quick answers

Hotel and Travel Industry Federal Credit Union: common questions

Is Hotel and Travel Industry Federal Credit Union NCUA insured?

Yes. Hotel and Travel Industry Federal Credit Union is a federally insured credit union (NCUA charter #9115). 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 Hotel and Travel Industry 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 Hotel and Travel Industry 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
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