TellerScore

Onomea Federal Credit Union is a federal credit union headquartered in Papaikou, Hawaii, in business for about 87 years. At the end of Q2 2026 it reported $26.0M in total assets and $21.1M in member shares and deposits.

Based on its Q2 2026 filing, Onomea Federal Credit Union scores 90/100, which we describe as very strong. That is higher than 89% of 2,479 credit unions with under $100 million in assets. Among 45 credit unions headquartered in Hawaii, it ranks 3rd. Its strongest component is capital cushion (100/100; 18.33%), and its lowest is funding & liquidity (64/100; 96% loans-to-deposits, 0% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.33%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.46%
Earnings98/100
Return on assets (annualized): 1.95%
Funding & liquidity64/100
Loans ÷ shares: 96.2% · 0.0% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.94%

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 (88 → 90), mostly because the earnings component improved by 16 points.

TellerScore
889091Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202491
Q3 202490
Q4 202489
Q1 202589
Q2 202588
Q3 202591
Q4 202588
Q1 202690
Q2 202690
Net worth ratio
7.00%12.66%18.33%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202415.95%
Q3 202417.01%
Q4 202416.96%
Q1 202516.56%
Q2 202516.58%
Q3 202517.37%
Q4 202516.95%
Q1 202617.25%
Q2 202618.33%
Delinquent loans (60+ days)
0.10%0.28%0.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.15%
Q3 20240.26%
Q4 20240.10%
Q1 20250.18%
Q2 20250.27%
Q3 20250.14%
Q4 20250.24%
Q1 20260.12%
Q2 20260.46%
Return on assets
1.34%1.64%1.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.71%
Q3 20241.83%
Q4 20241.44%
Q1 20251.49%
Q2 20251.54%
Q3 20251.67%
Q4 20251.34%
Q1 20261.50%
Q2 20261.95%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$26.0M18.33%0.46%1.95%96.2%
Q1 202690$26.8M17.25%0.12%1.50%92.9%
Q4 202588$26.7M16.95%0.24%1.34%92.1%
Q3 202591$25.8M17.37%0.14%1.67%94.2%
Q2 202588$26.3M16.58%0.27%1.54%98.3%
Q1 202589$25.7M16.56%0.18%1.49%97.4%
Q4 202489$24.5M16.96%0.10%1.44%101.1%
Q3 202490$24.4M17.01%0.26%1.83%98.5%
Q2 202491$25.2M15.95%0.15%1.71%97.5%

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 ratio18.33%
71st
Problem loans0.46%
60th
Net charge-offs-0.00%
87th
Return on assets1.95%
93rd
Loans to deposits96.2%
5th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio1.9%
53rd

Similar-size credit unions in Hawaii

InstitutionScoreAssetsCapitalProblem loansCompare
Hamakua Federal Credit UnionCredit union Pepeekeo, HI90 out of 100, Very strong$23.4M14.5%0.38%vs
Signia Federal Credit UnionCredit union Wahiawa, HI63 out of 100, Moderate$34.0M17.2%2.28%vs
Hawaiian Electric Employees Federal Credit UnionCredit union Honolulu, HI83 out of 100, Strong$37.1M18.4%1.02%vs
Lanai Federal Credit UnionCredit union Lanai City, HI78 out of 100, Strong$38.2M11.9%0.88%vs
Molokai Community Federal Credit UnionCredit union Kaunakakai, HI68 out of 100, Moderate$38.3M18.5%4.40%vs
Maui Teachers Federal Credit UnionCredit union Wailuku, HI89 out of 100, Very strong$38.5M16.8%0.00%vs

Deposit insurance

Is my money safe at Onomea Federal Credit Union?

Yes. Onomea Federal Credit Union is a federally insured credit union (NCUA charter #3050). 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 18.33%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Onomea Federal Credit Union
Type
Federal credit union
NCUA charter #
3050
RSSD ID
1003174
Primary regulator
NCUA
Established
1939
Headquarters
P.O. Box 19, Papaikou, HI 96781
Employees
4

Quick answers

Onomea Federal Credit Union: common questions

Is Onomea Federal Credit Union NCUA insured?

Yes. Onomea Federal Credit Union is a federally insured credit union (NCUA charter #3050). 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 Onomea Federal Credit Union's TellerScore?

90 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.