Headquartered in Kahuku, Hawaii, Kahuku Federal Credit Union is a federal credit union with $7.7M in total assets and $6.6M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1937.
Based on its Q2 2026 filing, Kahuku Federal Credit Union scores 40/100, which we describe as below average. That is higher than only 3% of 2,479 credit unions with under $100 million in assets. Among 45 credit unions headquartered in Hawaii, it ranks 44th. Its strongest component is capital cushion (90/100; 14.03%), and its lowest is earnings (0/100; -4.36%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (41 → 40).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 46 |
| Q4 2024 | 58 |
| Q1 2025 | 54 |
| Q2 2025 | 41 |
| Q3 2025 | 50 |
| Q4 2025 | 53 |
| Q1 2026 | 45 |
| Q2 2026 | 40 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 16.86% |
| Q3 2024 | 15.74% |
| Q4 2024 | 16.24% |
| Q1 2025 | 15.54% |
| Q2 2025 | 15.54% |
| Q3 2025 | 16.15% |
| Q4 2025 | 15.98% |
| Q1 2026 | 14.83% |
| Q2 2026 | 14.03% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 4.80% |
| Q3 2024 | 5.83% |
| Q4 2024 | 2.98% |
| Q1 2025 | 8.18% |
| Q2 2025 | 9.85% |
| Q3 2025 | 8.46% |
| Q4 2025 | 10.13% |
| Q1 2026 | 8.61% |
| Q2 2026 | 9.24% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.32% |
| Q3 2024 | -0.03% |
| Q4 2024 | 0.90% |
| Q1 2025 | 0.85% |
| Q2 2025 | -1.54% |
| Q3 2025 | 0.48% |
| Q4 2025 | 0.85% |
| Q1 2026 | -2.96% |
| Q2 2026 | -4.36% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 40 | $7.7M | 14.03% | 9.24% | -4.36% | 85.3% |
| Q1 2026 | 45 | $8.0M | 14.83% | 8.61% | -2.96% | 80.2% |
| Q4 2025 | 53 | $7.8M | 15.98% | 10.13% | 0.85% | 88.2% |
| Q3 2025 | 50 | $7.5M | 16.15% | 8.46% | 0.48% | 92.9% |
| Q2 2025 | 41 | $7.3M | 15.54% | 9.85% | -1.54% | 93.1% |
| Q1 2025 | 54 | $7.7M | 15.54% | 8.18% | 0.85% | 90.6% |
| Q4 2024 | 58 | $7.3M | 16.24% | 2.98% | 0.90% | 96.4% |
| Q3 2024 | 46 | $7.1M | 15.74% | 5.83% | -0.03% | 97.7% |
| Q2 2024 | 59 | $6.9M | 16.86% | 4.80% | 1.32% | 100.2% |
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).
Similar-size credit unions in Hawaii
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Local Union 1186 Ibew Federal Credit UnionCredit union Honolulu, HI | 69 out of 100, Moderate | $12.8M | 14.9% | 1.98% | vs |
| Glover Federal Credit UnionCredit union Honolulu, HI | 92 out of 100, Very strong | $2.6M | 34.5% | 0.00% | vs |
| Ewa Federal Credit UnionCredit union Ewa Beach, HI | 86 out of 100, Very strong | $13.1M | 23.9% | 0.65% | vs |
| Plumbers & Fitters Local 675 Federal Credit UnionCredit union Honolulu, HI | 67 out of 100, Moderate | $2.3M | 20.1% | 6.55% | vs |
| Hamakua Federal Credit UnionCredit union Pepeekeo, HI | 90 out of 100, Very strong | $23.4M | 14.5% | 0.38% | vs |
| Onomea Federal Credit UnionCredit union Papaikou, HI | 90 out of 100, Very strong | $26.0M | 18.3% | 0.46% | vs |
Deposit insurance
Is my money safe at Kahuku Federal Credit Union?
Yes. Kahuku Federal Credit Union is a federally insured credit union (NCUA charter #2275). 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 2.0% of shares and deposits ($132K) 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 14.03%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Kahuku Federal Credit Union lists 1 office in 1 city. Most locations:
- Kahuku, HI (1)
Identity & history
Profile
- Legal name
- Kahuku Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 2275
- RSSD ID
- 300577
- Primary regulator
- NCUA
- Established
- 1937
- Headquarters
- PO Box 245, Kahuku, HI 96731
- Employees
- 3
Quick answers
Kahuku Federal Credit Union: common questions
Is Kahuku Federal Credit Union NCUA insured?
Yes. Kahuku Federal Credit Union is a federally insured credit union (NCUA charter #2275). 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 Kahuku Federal Credit Union's TellerScore?
40 out of 100 (Below average), 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 Kahuku Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Kahuku
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Waialua Federal Credit UnionCredit union Waialua, HI | 88 out of 100, Very strong | $47.4M | 17.8% | 0.16% | vs |
| Pearl Hawaii Federal Credit UnionCredit union Waipahu, HI | 77 out of 100, Strong | $545.1M | 10.2% | 0.42% | vs |
| Hawaiian Financial Federal Credit UnionCredit union Honolulu, HI | 75 out of 100, Strong | $1.1B | 11.7% | 0.54% | vs |
| Ko`olau Federal Credit UnionCredit union Kailua, HI | 75 out of 100, Strong | $103.9M | 9.4% | 0.05% | vs |
| Hawaiiusa Federal Credit UnionCredit union Honolulu, HI | 73 out of 100, Strong | $2.7B | 10.6% | 0.39% | vs |
| Hawaii National BankBank Honolulu, HI | 72 out of 100, Strong | $871.7M | 11.0% | 0.05% | vs |