TellerScore

Signia Federal Credit Union (NCUA charter #7423) is based in Wahiawa, Hawaii. Its Q2 2026 call report shows $34.0M in total assets and $28.0M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Signia Federal Credit Union scores 63/100, which we describe as moderate. That is higher than only 26% of 2,479 credit unions with under $100 million in assets. Among 45 credit unions headquartered in Hawaii, it ranks 38th. Its strongest component is capital cushion (100/100; 17.17%), and its lowest is loan quality (24/100; 2.28%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.17%
Loan quality24/100
Loans 60+ days delinquent ÷ total loans: 2.28%
Earnings30/100
Return on assets (annualized): 0.24%
Funding & liquidity85/100
Loans ÷ shares: 74.8% · 0.0% uninsured
Problem-loan coverage84/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.18%

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 20 points (83 → 63), mostly because the loan quality component weakened by 72 points.

TellerScore
587285Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202458
Q4 202461
Q1 202575
Q2 202583
Q3 202585
Q4 202583
Q1 202683
Q2 202663
Net worth ratio
7.00%12.48%17.97%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.02%
Q3 202417.69%
Q4 202417.97%
Q1 202517.97%
Q2 202517.43%
Q3 202517.16%
Q4 202516.63%
Q1 202616.83%
Q2 202617.17%
Delinquent loans (60+ days)
0.03%1.18%2.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.57%
Q3 20242.34%
Q4 20242.21%
Q1 20250.98%
Q2 20250.11%
Q3 20250.03%
Q4 20250.26%
Q1 20260.06%
Q2 20262.28%
Return on assets
-0.08%0.24%0.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.08%
Q3 20240.03%
Q4 20240.15%
Q1 20250.57%
Q2 20250.50%
Q3 20250.47%
Q4 20250.45%
Q1 20260.19%
Q2 20260.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$34.0M17.17%2.28%0.24%74.8%
Q1 202683$34.5M16.83%0.06%0.19%74.6%
Q4 202583$34.8M16.63%0.26%0.45%74.4%
Q3 202585$33.6M17.16%0.03%0.47%80.4%
Q2 202583$32.9M17.43%0.11%0.50%84.5%
Q1 202575$31.7M17.97%0.98%0.57%88.1%
Q4 202461$31.5M17.97%2.21%0.15%89.6%
Q3 202458$31.8M17.69%2.34%0.03%90.1%
Q2 202465$35.0M16.02%1.57%-0.08%89.4%

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 ratio17.17%
66th
Problem loans2.28%
18th
Net charge-offs0.06%
61st
Return on assets0.24%
29th
Loans to deposits74.8%
26th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio8.2%
17th

Similar-size credit unions in Hawaii

InstitutionScoreAssetsCapitalProblem loansCompare
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
Hotel and Travel Industry Federal Credit UnionCredit union Honolulu, HI61 out of 100, Moderate$40.0M8.9%0.81%vs
Onomea Federal Credit UnionCredit union Papaikou, HI90 out of 100, Very strong$26.0M18.3%0.46%vs

Deposit insurance

Is my money safe at Signia Federal Credit Union?

Yes. Signia Federal Credit Union is a federally insured credit union (NCUA charter #7423). 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 17.17%, 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

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

  • Wahiawa, HI (1)

All branch addresses and map

Identity & history

Profile

Legal name
Signia Federal Credit Union
Type
Federal credit union
NCUA charter #
7423
RSSD ID
209184
Primary regulator
NCUA
Established
1951
Headquarters
Po Box 860669, Wahiawa, HI 96786
Employees
7

Quick answers

Signia Federal Credit Union: common questions

Is Signia Federal Credit Union NCUA insured?

Yes. Signia Federal Credit Union is a federally insured credit union (NCUA charter #7423). 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 Signia 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 Signia Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Wahiawa

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