TellerScore

Headquartered in Lihue, Hawaii, Kauai Federal Credit Union is a federal credit union with $192.8M in total assets and $140.4M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1947.

Based on its Q2 2026 filing, Kauai Federal Credit Union scores 36/100, which we describe as low. That is higher than only 1% of 1,341 credit unions with $100 million – $1 billion. Among 45 credit unions headquartered in Hawaii, it ranks 45th. Its strongest component is funding & liquidity (51/100; 109% loans-to-deposits, 5% uninsured), and its lowest is loan quality (10/100; 2.71%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Net worth ratio: 8.75%
Loan quality10/100
Loans 60+ days delinquent ÷ total loans: 2.71%
Earnings45/100
Return on assets (annualized): 0.63%
Funding & liquidity51/100
Loans ÷ shares: 108.9% · 5.4% uninsured
Problem-loan coverage50/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 24.82%

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 13 points (49 → 36), mostly because the loan quality component weakened by 67 points.

TellerScore
304356Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202455
Q4 202447
Q1 202550
Q2 202549
Q3 202547
Q4 202549
Q1 202630
Q2 202636
Net worth ratio
7.00%8.47%9.95%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.95%
Q3 20249.58%
Q4 20248.01%
Q1 20258.01%
Q2 20258.08%
Q3 20258.21%
Q4 20258.29%
Q1 20268.35%
Q2 20268.75%
Delinquent loans (60+ days)
0.37%1.75%3.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.37%
Q3 20240.37%
Q4 20240.44%
Q1 20250.64%
Q2 20250.70%
Q3 20250.98%
Q4 20250.88%
Q1 20263.12%
Q2 20262.71%
Return on assets
-1.27%-0.32%0.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-1.27%
Q3 2024-1.09%
Q4 2024-1.26%
Q1 20250.12%
Q2 20250.00%
Q3 20250.13%
Q4 20250.19%
Q1 20260.46%
Q2 20260.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202636$192.8M8.75%2.71%0.63%108.9%
Q1 202630$197.7M8.35%3.12%0.46%106.6%
Q4 202549$196.3M8.29%0.88%0.19%109.0%
Q3 202547$195.8M8.21%0.98%0.13%111.4%
Q2 202549$196.7M8.08%0.70%0.00%108.1%
Q1 202550$199.2M8.01%0.64%0.12%108.8%
Q4 202447$198.3M8.01%0.44%-1.26%113.6%
Q3 202455$176.9M9.58%0.37%-1.09%95.0%
Q2 202456$173.9M9.95%0.37%-1.27%96.9%

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 ratio8.75%
10th
Problem loans2.71%
3rd
Net charge-offs0.20%
71st
Return on assets0.63%
41st
Loans to deposits108.9%
1st
Uninsured deposits5.4%
55th
Loan-loss reserves0.00%
50th
Texas ratio24.8%
1st

Similar-size credit unions in Hawaii

InstitutionScoreAssetsCapitalProblem loansCompare
Big Island Federal Credit UnionCredit union Hilo, HI71 out of 100, Strong$194.5M9.3%0.16%vs
Valley Isle Community Federal Credit UnionCredit union Kahului, HI68 out of 100, Moderate$174.1M9.3%0.44%vs
Hawaii Law Enforcement Federal Credit UnionCredit union Honolulu, HI78 out of 100, Strong$230.3M13.2%0.50%vs
Hawaii County Employees Federal Credit UnionCredit union Hilo, HI93 out of 100, Very strong$148.0M15.2%0.21%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

Deposit insurance

Is my money safe at Kauai Federal Credit Union?

Yes. Kauai Federal Credit Union is a federally insured credit union (NCUA charter #5487). 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 5.4% of shares and deposits ($7.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.75%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

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

All branch addresses and map

Identity & history

Profile

Legal name
Kauai Federal Credit Union
Type
Federal credit union
NCUA charter #
5487
RSSD ID
868778
Primary regulator
NCUA
Established
1947
Headquarters
PO Box 711, Lihue, HI 96766
Employees
34

Quick answers

Kauai Federal Credit Union: common questions

Is Kauai Federal Credit Union NCUA insured?

Yes. Kauai Federal Credit Union is a federally insured credit union (NCUA charter #5487). 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 Kauai Federal Credit Union's TellerScore?

36 out of 100 (Low), 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 Kauai Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lihue

InstitutionScoreAssetsCapitalProblem loansCompare
Gather Federal Credit UnionCredit union Lihue, HI81 out of 100, Strong$934.5M12.8%0.99%vs
McBryde Federal Credit UnionCredit union Eleele, HI79 out of 100, Strong$102.7M26.9%1.70%vs
Garden Island Federal Credit UnionCredit union Lihue, HI71 out of 100, Strong$126.2M13.7%1.35%vs
American Savings Bank, National AssociationBank Honolulu, HI71 out of 100, Strong$9.0B9.1%0.19%vs
Central Pacific BankBank Honolulu, HI67 out of 100, Moderate$7.5B9.6%0.30%vs
First Hawaiian BankBank Honolulu, HI67 out of 100, Moderate$23.6B9.4%0.30%vs