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Hawaii Credit Union Performance
How the 45 credit unions based in Hawaii are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Hawaii's 45 credit unions serve 877,951 members and hold $17.33B in combined assets. The median Hawaii credit union earned a 0.77% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Hawaii credit unions was -0.29%, compared with -0.55% nationally. Median one-year asset growth was 4.80%, compared with 2.78% nationally. Figures are from the Q1 2026 NCUA Call Report.
Hawaii at a glance
Hawaii vs. the United States
System totals are the sum of every credit union based in Hawaii. The share column is Hawaii's portion of the national figure.
| Measure | Hawaii | United States | Hawaii share |
|---|---|---|---|
| Credit unions | 45 | 4,335 | 1.0% |
| Members | 877,951 | 147,031,529 | 0.6% |
| Residents (population) | 1,446,146 | 340,110,988 | 0.4% |
| Total assets | $17.33B | $2,507.50B | 0.7% |
| Total loans | $8.72B | $1,744.86B | 0.5% |
| Total shares & deposits | $15.35B | $2,143.21B | 0.7% |
| Total net worth | $1.86B | $282.23B | 0.7% |
| Mergers year-to-date | 0 | 27 | — |
Membership reach. Hawaii credit unions report about 61 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Hawaii credit unions serve members in other states, so it overstates true in-state penetration.)
The median Hawaii credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Hawaii CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.77% | 0.66% |
| Net worth ratio | 12.61% | 12.44% |
| Loan-to-share ratio | 54.94% | 67.86% |
| Delinquency ratio | 0.61% | 0.63% |
| Net charge-off ratio | 0.28% | 0.33% |
| Cost of funds | 1.17% | 1.05% |
| Member growth (1 yr) | -0.29% | -0.55% |
| Asset growth (1 yr) | 4.80% | 2.78% |
| Loan growth (1 yr) | 0.41% | 0.63% |
| Share growth (1 yr) | 5.00% | 2.36% |
| Net worth growth (1 yr) | 5.55% | 5.57% |
Trends over time
The median Hawaii credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.70% · 0.72%
— Hawaii ‑‑ U.S.
Net worth ratio 12.70% · 12.46%
— Hawaii ‑‑ U.S.
Loan-to-share ratio 55.47% · 69.70%
— Hawaii ‑‑ U.S.
Delinquency ratio 0.53% · 0.72%
— Hawaii ‑‑ U.S.
Asset growth (1 yr) 6.02% · 3.26%
— Hawaii ‑‑ U.S.
Member growth (1 yr) -0.11% · -0.52%
— Hawaii ‑‑ U.S.
Hawaii leaderboards
Largest by assets
- 1 Hawaii State Credit Union $2.88B
- 2 HawaiiUSA Credit Union $2.67B
- 3 Aloha Pacific Credit Union $1.53B
- 4 Hawaiian Tel Employees Credit Union $1.11B
- 5 HFS Credit Union $1.10B
- 6 University of Hawaii Credit Union $956.7M
- 7 Kauai Community Credit Union $924.0M
- 8 Hawaii Community Credit Union $805.0M
- 9 Hickam Credit Union $709.3M
- 10 Pearl Harbor Credit Union $544.0M
Highest return on assets
- 1 Pearl Harbor Credit Union 2.34%
- 2 Kauai Community Credit Union 1.59%
- 3 Wailuku Credit Union 1.59%
- 4 Hawaii Credit Union 1.40%
- 5 Hawaii County Employees Credit Union 1.37%
- 6 Hawaii State Credit Union 1.28%
- 7 Mcbryde Credit Union 1.21%
- 8 Kamuela Community Credit Union 1.18%
- 9 Honolulu Federal Employees Credit Union 1.15%
- 10 Windward Community Credit Union 1.06%
Fastest-growing (organic)
- 1 Kauai Teachers Credit Union 16.22%
- 2 HFS Credit Union 12.81%
- 3 Pearl Harbor Credit Union 11.61%
- 4 Windward Community Credit Union 10.70%
- 5 Kamuela Community Credit Union 10.47%
- 6 Aloha Pacific Credit Union 9.34%
- 7 Hawaii County Employees Credit Union 8.36%
- 8 Wailuku Credit Union 8.09%
- 9 CU Hawaii Credit Union 7.77%
- 10 Hawaiian Tel Employees Credit Union 7.26%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Hawaii that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.