TellerScore

Molokai Community Federal Credit Union is a federal credit union headquartered in Kaunakakai, Hawaii, in business for about 75 years. At the end of Q2 2026 it reported $38.3M in total assets and $31.1M in member shares and deposits, with 1 office.

Molokai Community Federal Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 36% of its 2,479 credit unions with under $100 million in assets. Among 45 credit unions headquartered in Hawaii, it ranks 34th. Capital cushion contributes the most (100/100, 18.54%); loan quality contributes the least (0/100, 4.40%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.54%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 4.40%
Earnings73/100
Return on assets (annualized): 1.32%
Funding & liquidity100/100
Loans ÷ shares: 47.8% · 4.6% uninsured
Problem-loan coverage82/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.20%

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 26 points (94 → 68), mostly because the loan quality component weakened by 76 points.

TellerScore
688295Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202495
Q3 202492
Q4 202493
Q1 202595
Q2 202594
Q3 202595
Q4 202589
Q1 202685
Q2 202668
Net worth ratio
7.00%12.89%18.79%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.74%
Q3 202416.74%
Q4 202416.12%
Q1 202517.05%
Q2 202517.71%
Q3 202518.61%
Q4 202518.14%
Q1 202618.79%
Q2 202618.54%
Delinquent loans (60+ days)
0.54%2.47%4.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.59%
Q3 20240.87%
Q4 20240.84%
Q1 20250.54%
Q2 20250.72%
Q3 20250.54%
Q4 20251.28%
Q1 20261.33%
Q2 20264.40%
Return on assets
1.32%2.31%3.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.86%
Q3 20242.92%
Q4 20242.23%
Q1 20253.29%
Q2 20252.90%
Q3 20252.86%
Q4 20252.65%
Q1 20261.63%
Q2 20261.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$38.3M18.54%4.40%1.32%47.8%
Q1 202685$37.2M18.79%1.33%1.63%49.0%
Q4 202589$37.7M18.14%1.28%2.65%48.8%
Q3 202595$36.0M18.61%0.54%2.86%53.1%
Q2 202594$36.4M17.71%0.72%2.90%53.8%
Q1 202595$36.5M17.05%0.54%3.29%55.6%
Q4 202493$36.8M16.12%0.84%2.23%56.5%
Q3 202492$35.7M16.74%0.87%2.92%59.3%
Q2 202495$36.3M15.74%0.59%2.86%58.5%

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 ratio18.54%
72nd
Problem loans4.40%
7th
Net charge-offs-0.26%
97th
Return on assets1.32%
80th
Loans to deposits47.8%
67th
Uninsured deposits4.6%
24th
Loan-loss reserves0.00%
37th
Texas ratio9.2%
15th

Similar-size credit unions in Hawaii

InstitutionScoreAssetsCapitalProblem loansCompare
Lanai Federal Credit UnionCredit union Lanai City, HI78 out of 100, Strong$38.2M11.9%0.88%vs
Maui Teachers Federal Credit UnionCredit union Wailuku, HI89 out of 100, Very strong$38.5M16.8%0.00%vs
Hawaiian Electric Employees Federal Credit UnionCredit union Honolulu, HI83 out of 100, Strong$37.1M18.4%1.02%vs
Hotel and Travel Industry Federal Credit UnionCredit union Honolulu, HI61 out of 100, Moderate$40.0M8.9%0.81%vs
Signia Federal Credit UnionCredit union Wahiawa, HI63 out of 100, Moderate$34.0M17.2%2.28%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 Molokai Community Federal Credit Union?

Yes. Molokai Community Federal Credit Union is a federally insured credit union (NCUA charter #7471). 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 4.6% of shares and deposits ($1.4M) 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 18.54%, 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

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

  • Hoolehua, HI (1)

All branch addresses and map

Identity & history

Profile

Legal name
Molokai Community Federal Credit Union
Type
Federal credit union
NCUA charter #
7471
RSSD ID
621487
Primary regulator
NCUA
Established
1951
Headquarters
P.O. Box 1888, Kaunakakai, HI 96748
Employees
9

Quick answers

Molokai Community Federal Credit Union: common questions

Is Molokai Community Federal Credit Union NCUA insured?

Yes. Molokai Community Federal Credit Union is a federally insured credit union (NCUA charter #7471). 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 Molokai Community Federal Credit Union's TellerScore?

68 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 Molokai Community Federal Credit Union have?

1 office as of the latest NCUA data.