TellerScore

Headquartered in Honolulu, Hawaii, University of Hawaii Federal Credit Union is a federal credit union with $975.7M in total assets and $895.9M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1955.

Based on its Q2 2026 filing, University of Hawaii Federal Credit Union scores 81/100, which we describe as strong. That is higher than 80% of 1,341 credit unions with $100 million – $1 billion. Among 45 credit unions headquartered in Hawaii, it ranks 13th. Its strongest component is funding & liquidity (100/100; 43% loans-to-deposits, 10% uninsured), and its lowest is capital cushion (64/100; 11.43%).

TellerScore · Q2 2026

Scorecard

Capital cushion64/100
Net worth ratio: 11.43%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.30%
Earnings73/100
Return on assets (annualized): 1.31%
Funding & liquidity100/100
Loans ÷ shares: 43.5% · 10.1% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.53%

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 11 points (70 → 81), mostly because the earnings component improved by 24 points.

TellerScore
657381Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202470
Q4 202465
Q1 202570
Q2 202570
Q3 202572
Q4 202577
Q1 202678
Q2 202681
Net worth ratio
7.00%9.21%11.43%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.47%
Q3 202410.61%
Q4 202410.58%
Q1 202510.74%
Q2 202510.74%
Q3 202511.00%
Q4 202511.11%
Q1 202611.19%
Q2 202611.43%
Delinquent loans (60+ days)
0.20%0.51%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.53%
Q3 20240.30%
Q4 20240.82%
Q1 20250.75%
Q2 20250.79%
Q3 20250.65%
Q4 20250.22%
Q1 20260.20%
Q2 20260.30%
Return on assets
0.22%0.77%1.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.34%
Q3 20240.26%
Q4 20240.22%
Q1 20250.67%
Q2 20250.73%
Q3 20250.81%
Q4 20250.83%
Q1 20260.99%
Q2 20261.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$975.7M11.43%0.30%1.31%43.5%
Q1 202678$956.7M11.19%0.20%0.99%41.6%
Q4 202577$926.3M11.11%0.22%0.83%41.8%
Q3 202572$930.6M11.00%0.65%0.81%40.6%
Q2 202570$913.0M10.74%0.79%0.73%39.5%
Q1 202570$898.8M10.74%0.75%0.67%38.6%
Q4 202465$889.5M10.58%0.82%0.22%37.8%
Q3 202470$936.7M10.61%0.30%0.26%37.3%
Q2 202468$895.6M10.47%0.53%0.34%37.7%

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 ratio11.43%
50th
Problem loans0.30%
82nd
Net charge-offs0.18%
73rd
Return on assets1.31%
83rd
Loans to deposits43.5%
94th
Uninsured deposits10.1%
17th
Loan-loss reserves0.00%
50th
Texas ratio2.5%
69th

Similar-size credit unions in Hawaii

InstitutionScoreAssetsCapitalProblem loansCompare
Gather Federal Credit UnionCredit union Lihue, HI81 out of 100, Strong$934.5M12.8%0.99%vs
Hawaii Community Federal Credit UnionCredit union Kailua Kona, HI60 out of 100, Moderate$808.3M9.7%1.32%vs
Lokahi Federal Credit UnionCredit union Honolulu, HI66 out of 100, Moderate$701.9M9.5%0.39%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
CU Hawaii Federal Credit UnionCredit union Hilo, HI74 out of 100, Strong$460.3M11.0%0.33%vs

Deposit insurance

Is my money safe at University of Hawaii Federal Credit Union?

Yes. University of Hawaii Federal Credit Union is a federally insured credit union (NCUA charter #10465). 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 10.1% of shares and deposits ($90.7M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.43%, 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

University of Hawaii Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, University of Hawaii Federal Credit Union reported 127 home-loan applications under HMDA (LEI 2549006P8VW9SIT9YP64): 95 originated ($57,635,000 total), 8 denied, and 24 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
University of Hawaii Federal Credit Union
Type
Federal credit union
NCUA charter #
10465
RSSD ID
744984
Primary regulator
NCUA
Established
1955
Headquarters
PO Box 22070, Honolulu, HI 96823
Employees
76

Quick answers

University of Hawaii Federal Credit Union: common questions

Is University of Hawaii Federal Credit Union NCUA insured?

Yes. University of Hawaii Federal Credit Union is a federally insured credit union (NCUA charter #10465). 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 University of Hawaii Federal Credit Union's TellerScore?

81 out of 100 (Strong), 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 University of Hawaii Federal Credit Union have?

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