TellerScore

Headquartered in Lihue, Hawaii, Kauai Ohana Federal Credit Union is a federal credit union with $63.3M in total assets and $57.9M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1938.

Kauai Ohana Federal Credit Union has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,479 credit unions with under $100 million in assets. Among 45 credit unions headquartered in Hawaii, it ranks 37th. Funding & liquidity contributes the most (98/100, 62% loans-to-deposits, 0% uninsured); capital cushion contributes the least (36/100, 8.61%).

TellerScore · Q2 2026

Scorecard

Capital cushion36/100
Net worth ratio: 8.61%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.59%
Earnings42/100
Return on assets (annualized): 0.55%
Funding & liquidity98/100
Loans ÷ shares: 62.2% · 0.0% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.79%

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 (64 → 63).

TellerScore
636770Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202468
Q4 202466
Q1 202570
Q2 202564
Q3 202569
Q4 202567
Q1 202666
Q2 202663
Net worth ratio
7.00%8.22%9.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.44%
Q3 20249.30%
Q4 20249.23%
Q1 20259.34%
Q2 20259.32%
Q3 20259.14%
Q4 20258.87%
Q1 20268.70%
Q2 20268.61%
Delinquent loans (60+ days)
0.34%0.67%0.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.80%
Q3 20240.60%
Q4 20240.78%
Q1 20250.62%
Q2 20250.99%
Q3 20250.42%
Q4 20250.47%
Q1 20260.34%
Q2 20260.59%
Return on assets
0.55%0.88%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.13%
Q3 20240.91%
Q4 20240.90%
Q1 20251.21%
Q2 20250.97%
Q3 20250.83%
Q4 20250.77%
Q1 20260.57%
Q2 20260.55%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$63.3M8.61%0.59%0.55%62.2%
Q1 202666$63.2M8.70%0.34%0.57%60.8%
Q4 202567$61.6M8.87%0.47%0.77%61.7%
Q3 202569$60.5M9.14%0.42%0.83%60.9%
Q2 202564$56.8M9.32%0.99%0.97%65.1%
Q1 202570$54.4M9.34%0.62%1.21%65.6%
Q4 202466$52.5M9.23%0.78%0.90%62.1%
Q3 202468$51.9M9.30%0.60%0.91%61.6%
Q2 202468$51.7M9.44%0.80%1.13%61.8%

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 ratio8.61%
7th
Problem loans0.59%
54th
Net charge-offs-0.13%
95th
Return on assets0.55%
45th
Loans to deposits62.2%
45th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio5.8%
25th

Similar-size credit unions in Hawaii

InstitutionScoreAssetsCapitalProblem loansCompare
Hawaii First Federal Credit UnionCredit union Kamuela, HI41 out of 100, Below average$73.4M9.8%3.68%vs
Kahului Federal Credit UnionCredit union Kahului, HI82 out of 100, Strong$78.8M13.9%0.13%vs
Hawaii Schools Federal Credit UnionCredit union Honolulu, HI83 out of 100, Strong$78.9M13.2%0.18%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
Honolulu Fire Department Federal Credit UnionCredit union Honolulu, HI68 out of 100, Moderate$84.5M11.6%0.99%vs

Deposit insurance

Is my money safe at Kauai Ohana Federal Credit Union?

Yes. Kauai Ohana Federal Credit Union is a federally insured credit union (NCUA charter #2577). 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 0.0% of shares and deposits ($0) 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 8.61%, 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 Ohana Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Kauai Ohana Federal Credit Union
Type
Federal credit union
NCUA charter #
2577
RSSD ID
892371
Primary regulator
NCUA
Established
1938
Headquarters
2969 Umi St, Lihue, HI 96766
Employees
9

Quick answers

Kauai Ohana Federal Credit Union: common questions

Is Kauai Ohana Federal Credit Union NCUA insured?

Yes. Kauai Ohana Federal Credit Union is a federally insured credit union (NCUA charter #2577). 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 Ohana Federal Credit Union's TellerScore?

63 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 Kauai Ohana 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