TellerScore

Headquartered in Kahului, Hawaii, Kahului Federal Credit Union is a federal credit union with $78.8M in total assets and $66.9M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1955.

Based on its Q2 2026 filing, Kahului Federal Credit Union scores 82/100, which we describe as strong. That is higher than 70% of 2,479 credit unions with under $100 million in assets. Among 45 credit unions headquartered in Hawaii, it ranks 12th. Its strongest component is funding & liquidity (100/100; 40% loans-to-deposits, 6% uninsured), and its lowest is earnings (30/100; 0.25%).

TellerScore · Q2 2026

Scorecard

Capital cushion89/100
Net worth ratio: 13.90%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.13%
Earnings30/100
Return on assets (annualized): 0.25%
Funding & liquidity100/100
Loans ÷ shares: 40.2% · 6.4% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.39%

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 11 points (71 → 82), mostly because the loan quality component improved by 42 points.

TellerScore
717986Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202486
Q4 202486
Q1 202583
Q2 202571
Q3 202583
Q4 202583
Q1 202682
Q2 202682
Net worth ratio
7.00%10.64%14.28%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.98%
Q3 202414.07%
Q4 202414.28%
Q1 202514.01%
Q2 202513.68%
Q3 202513.81%
Q4 202513.65%
Q1 202613.76%
Q2 202613.90%
Delinquent loans (60+ days)
0.06%0.72%1.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.24%
Q3 20240.26%
Q4 20240.26%
Q1 20250.19%
Q2 20251.38%
Q3 20250.09%
Q4 20250.09%
Q1 20260.06%
Q2 20260.13%
Return on assets
0.25%0.57%0.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.89%
Q3 20240.83%
Q4 20240.77%
Q1 20250.49%
Q2 20250.32%
Q3 20250.45%
Q4 20250.46%
Q1 20260.31%
Q2 20260.25%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$78.8M13.90%0.13%0.25%40.2%
Q1 202682$79.5M13.76%0.06%0.31%40.6%
Q4 202583$79.7M13.65%0.09%0.46%40.6%
Q3 202583$78.0M13.81%0.09%0.45%41.7%
Q2 202571$77.7M13.68%1.38%0.32%42.0%
Q1 202583$75.8M14.01%0.19%0.49%42.7%
Q4 202486$73.8M14.28%0.26%0.77%43.6%
Q3 202486$74.1M14.07%0.26%0.83%42.3%
Q2 202486$73.6M13.98%0.24%0.89%41.8%

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 ratio13.90%
47th
Problem loans0.13%
78th
Net charge-offs-0.01%
87th
Return on assets0.25%
30th
Loans to deposits40.2%
78th
Uninsured deposits6.4%
15th
Loan-loss reserves0.00%
37th
Texas ratio0.4%
77th

Similar-size credit unions in Hawaii

InstitutionScoreAssetsCapitalProblem loansCompare
Hawaii Schools Federal Credit UnionCredit union Honolulu, HI83 out of 100, Strong$78.9M13.2%0.18%vs
Hawaii First Federal Credit UnionCredit union Kamuela, HI41 out of 100, Below average$73.4M9.8%3.68%vs
Honolulu Fire Department Federal Credit UnionCredit union Honolulu, HI68 out of 100, Moderate$84.5M11.6%0.99%vs
Kauai Ohana Federal Credit UnionCredit union Lihue, HI63 out of 100, Moderate$63.3M8.6%0.59%vs
Waialua Federal Credit UnionCredit union Waialua, HI88 out of 100, Very strong$47.4M17.8%0.16%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 Kahului Federal Credit Union?

Yes. Kahului Federal Credit Union is a federally insured credit union (NCUA charter #10399). 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 6.4% of shares and deposits ($4.3M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.90%, well 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

Kahului Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Kahului Federal Credit Union
Type
Federal credit union
NCUA charter #
10399
RSSD ID
760087
Primary regulator
NCUA
Established
1955
Headquarters
25 West Kamehameha Avenue, Kahului, HI 96732
Employees
11

Quick answers

Kahului Federal Credit Union: common questions

Is Kahului Federal Credit Union NCUA insured?

Yes. Kahului Federal Credit Union is a federally insured credit union (NCUA charter #10399). 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 Kahului Federal Credit Union's TellerScore?

82 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 Kahului Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Kahului

InstitutionScoreAssetsCapitalProblem loansCompare
Maui Teachers Federal Credit UnionCredit union Wailuku, HI89 out of 100, Very strong$38.5M16.8%0.00%vs
Maui Federal Credit UnionCredit union Kahului, HI81 out of 100, Strong$146.2M14.5%1.15%vs
Wailuku Federal Credit UnionCredit union Kahului, HI79 out of 100, Strong$135.4M12.7%1.18%vs
Hawaiiusa Federal Credit UnionCredit union Honolulu, HI73 out of 100, Strong$2.7B10.6%0.39%vs
Hawaii National BankBank Honolulu, HI72 out of 100, Strong$871.7M11.0%0.05%vs
Hawaii State Federal Credit UnionCredit union Honolulu, HI71 out of 100, Strong$2.9B10.0%1.07%vs