TellerScore

Headquartered in Honolulu, Hawaii, Lokahi Federal Credit Union is a federal credit union with $701.9M in total assets and $624.0M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1936.

Based on its Q2 2026 filing, Lokahi Federal Credit Union scores 66/100, which we describe as moderate. That is higher than only 37% of 1,341 credit unions with $100 million – $1 billion. Among 45 credit unions headquartered in Hawaii, it ranks 36th. Its strongest component is funding & liquidity (99/100; 61% loans-to-deposits, 7% uninsured), and its lowest is earnings (32/100; 0.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Net worth ratio: 9.49%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.39%
Earnings32/100
Return on assets (annualized): 0.29%
Funding & liquidity99/100
Loans ÷ shares: 61.3% · 7.5% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.35%

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 2 points (64 → 66), mostly because the loan quality component improved by 4 points.

TellerScore
616466Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202461
Q3 202462
Q4 202461
Q1 202566
Q2 202564
Q3 202565
Q4 202565
Q1 202666
Q2 202666
Net worth ratio
7.00%8.29%9.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20249.58%
Q3 20249.49%
Q4 20249.43%
Q1 20259.49%
Q2 20259.27%
Q3 20259.50%
Q4 20259.38%
Q1 20269.30%
Q2 20269.49%
Delinquent loans (60+ days)
0.31%0.43%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.41%
Q3 20240.45%
Q4 20240.55%
Q1 20250.51%
Q2 20250.52%
Q3 20250.47%
Q4 20250.51%
Q1 20260.31%
Q2 20260.39%
Return on assets
-0.17%0.14%0.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 2024-0.17%
Q3 2024-0.10%
Q4 2024-0.08%
Q1 20250.45%
Q2 20250.38%
Q3 20250.36%
Q4 20250.32%
Q1 20260.23%
Q2 20260.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$701.9M9.49%0.39%0.29%61.3%
Q1 202666$709.3M9.30%0.31%0.23%61.1%
Q4 202565$698.9M9.38%0.51%0.32%62.3%
Q3 202565$688.7M9.50%0.47%0.36%66.0%
Q2 202564$699.7M9.27%0.52%0.38%63.9%
Q1 202566$677.9M9.49%0.51%0.45%61.3%
Q4 202461$673.7M9.43%0.55%-0.08%63.1%
Q3 202462$672.5M9.49%0.45%-0.10%65.7%
Q2 202461$664.9M9.58%0.41%-0.17%67.0%

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 ratio9.49%
20th
Problem loans0.39%
75th
Net charge-offs0.23%
66th
Return on assets0.29%
16th
Loans to deposits61.3%
76th
Uninsured deposits7.5%
35th
Loan-loss reserves0.00%
50th
Texas ratio2.3%
71st

Similar-size credit unions in Hawaii

InstitutionScoreAssetsCapitalProblem loansCompare
Hawaii Community Federal Credit UnionCredit union Kailua Kona, HI60 out of 100, Moderate$808.3M9.7%1.32%vs
Pearl Hawaii Federal Credit UnionCredit union Waipahu, HI77 out of 100, Strong$545.1M10.2%0.42%vs
Maui County Federal Credit UnionCredit union Wailuku, HI68 out of 100, Moderate$487.5M14.0%2.09%vs
Gather Federal Credit UnionCredit union Lihue, HI81 out of 100, Strong$934.5M12.8%0.99%vs
CU Hawaii Federal Credit UnionCredit union Hilo, HI74 out of 100, Strong$460.3M11.0%0.33%vs
University of Hawaii Federal Credit UnionCredit union Honolulu, HI81 out of 100, Strong$975.7M11.4%0.30%vs

Deposit insurance

Is my money safe at Lokahi Federal Credit Union?

Yes. Lokahi Federal Credit Union is a federally insured credit union (NCUA charter #1733). 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 7.5% of shares and deposits ($46.5M) 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 9.49%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Lokahi Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Lokahi Federal Credit Union
Type
Federal credit union
NCUA charter #
1733
RSSD ID
253271
Primary regulator
NCUA
Established
1936
Headquarters
P.O. Box 30025, Honolulu, HI 96820
Employees
104

Quick answers

Lokahi Federal Credit Union: common questions

Is Lokahi Federal Credit Union NCUA insured?

Yes. Lokahi Federal Credit Union is a federally insured credit union (NCUA charter #1733). 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 Lokahi Federal Credit Union's TellerScore?

66 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 Lokahi Federal Credit Union have?

3 offices 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
Hawaiian Electric Employees Federal Credit UnionCredit union Honolulu, HI83 out of 100, Strong$37.1M18.4%1.02%vs
Hawaii Schools Federal Credit UnionCredit union Honolulu, HI83 out of 100, Strong$78.9M13.2%0.18%vs