TellerScore

Headquartered in Waialua, Hawaii, Waialua Federal Credit Union is a federal credit union with $47.4M in total assets and $39.0M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1937.

Waialua Federal Credit Union has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 85% of its 2,479 credit unions with under $100 million in assets. Among 45 credit unions headquartered in Hawaii, it ranks 7th. Capital cushion contributes the most (100/100, 17.76%); earnings contributes the least (48/100, 0.70%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.76%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.16%
Earnings48/100
Return on assets (annualized): 0.70%
Funding & liquidity100/100
Loans ÷ shares: 48.2% · 1.9% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.36%

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 3 points (85 → 88), mostly because the earnings component improved by 18 points.

TellerScore
818690Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202481
Q4 202483
Q1 202581
Q2 202585
Q3 202585
Q4 202585
Q1 202690
Q2 202688
Net worth ratio
7.00%12.38%17.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.76%
Q3 202416.85%
Q4 202417.17%
Q1 202517.25%
Q2 202517.48%
Q3 202517.37%
Q4 202517.70%
Q1 202617.58%
Q2 202617.76%
Delinquent loans (60+ days)
0.13%0.39%0.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.64%
Q3 20240.50%
Q4 20240.35%
Q1 20250.59%
Q2 20250.13%
Q3 20250.21%
Q4 20250.14%
Q1 20260.15%
Q2 20260.16%
Return on assets
0.23%0.59%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.28%
Q3 20240.23%
Q4 20240.23%
Q1 20250.23%
Q2 20250.25%
Q3 20250.31%
Q4 20250.34%
Q1 20260.96%
Q2 20260.70%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$47.4M17.76%0.16%0.70%48.2%
Q1 202690$47.6M17.58%0.15%0.96%48.4%
Q4 202585$46.7M17.70%0.14%0.34%49.0%
Q3 202585$47.3M17.37%0.21%0.31%48.6%
Q2 202585$46.7M17.48%0.13%0.25%49.7%
Q1 202581$47.1M17.25%0.59%0.23%48.3%
Q4 202483$47.2M17.17%0.35%0.23%47.9%
Q3 202481$47.9M16.85%0.50%0.23%45.8%
Q2 202481$48.1M16.76%0.64%0.28%45.3%

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 ratio17.76%
68th
Problem loans0.16%
76th
Net charge-offs-0.15%
95th
Return on assets0.70%
53rd
Loans to deposits48.2%
67th
Uninsured deposits1.9%
46th
Loan-loss reserves0.00%
37th
Texas ratio0.4%
77th

Similar-size credit unions in Hawaii

InstitutionScoreAssetsCapitalProblem loansCompare
Helco Federal Credit UnionCredit union Hilo, HI84 out of 100, Strong$46.5M18.8%0.14%vs
Hotel and Travel Industry Federal Credit UnionCredit union Honolulu, HI61 out of 100, Moderate$40.0M8.9%0.81%vs
Maui Teachers Federal Credit UnionCredit union Wailuku, HI89 out of 100, Very strong$38.5M16.8%0.00%vs
Molokai Community Federal Credit UnionCredit union Kaunakakai, HI68 out of 100, Moderate$38.3M18.5%4.40%vs
Lanai Federal Credit UnionCredit union Lanai City, HI78 out of 100, Strong$38.2M11.9%0.88%vs
Hawaiian Electric Employees Federal Credit UnionCredit union Honolulu, HI83 out of 100, Strong$37.1M18.4%1.02%vs

Deposit insurance

Is my money safe at Waialua Federal Credit Union?

Yes. Waialua Federal Credit Union is a federally insured credit union (NCUA charter #2049). 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 1.9% of shares and deposits ($722K) 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 17.76%, 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

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

  • Waialua, HI (1)

All branch addresses and map

Identity & history

Profile

Legal name
Waialua Federal Credit Union
Type
Federal credit union
NCUA charter #
2049
RSSD ID
164171
Primary regulator
NCUA
Established
1937
Headquarters
Po Box 800, Waialua, HI 96791
Employees
4

Quick answers

Waialua Federal Credit Union: common questions

Is Waialua Federal Credit Union NCUA insured?

Yes. Waialua Federal Credit Union is a federally insured credit union (NCUA charter #2049). 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 Waialua Federal Credit Union's TellerScore?

88 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.

How many branches does Waialua Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Waialua

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
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
University of Hawaii Federal Credit UnionCredit union Honolulu, HI81 out of 100, Strong$975.7M11.4%0.30%vs