States
Credit unions in Hawaii: the best and largest of 45, compared
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All 45 filers based in Hawaii, largest first. Sort them by what matters to you.
Credit unions by state, from the federal filings
Hawaii: credit unions that match
45
| Their members | 882K |
| Their assets | $17.4B |
| First on this sort | Hawaii State Federal Credit Union |
| Credit union | Assets | Members | Net worth | Delinq. | Branches | Checks |
|---|---|---|---|---|---|---|
| Hawaii State Federal Credit Union (HSFCU)Honolulu | $2.86B | 140K | 9.98% | 1.07% | 14 | 4/5 |
| HawaiiUSA Federal Credit UnionHonolulu | $2.67B | 131K | 10.63% | 0.39% | 15 | 4/5 |
| Aloha Pacific Federal Credit Union (APFCU)Honolulu | $1.53B | 71K | 9.81% | 0.50% | 12 | 5/5 |
| Hawaiian Financial Federal Credit Union (HiTel FCU)Honolulu | $1.13B | 52K | 11.72% | 0.54% | 10 | 4/5 |
| HFS Federal Credit UnionHilo | $1.10B | 56K | 9.32% | 1.41% | 6 | 4/5 |
| University of Hawaii Federal Credit Union (UHFCU Investment Services)Honolulu | $976M | 36K | 11.43% | 0.30% | 4 | 5/5 |
| Gather Federal Credit UnionLihue | $934M | 41K | 12.81% | 0.99% | 7 | 4/5 |
| Hawaii Community Federal Credit UnionKailua Kona | $808M | 46K | 9.65% | 1.32% | 9 | 4/5 |
| Lokahi Federal Credit UnionPearl City | $702M | 45K | 9.49% | 0.39% | 6 | 4/5 |
| Pearl Hawaii Federal Credit UnionWaipahu | $545M | 32K | 10.19% | 0.42% | 6 | 4/5 |
NCUA Call Report, June 30, 2026. Delinquency: loans two or more months late, as a share of loans. Checks: our own five data checks, not an NCUA rating; membership rules are not in this file, so confirm them with the credit union. Everything you enter stays in this browser: nothing is sent or stored.
45 credit unions based in Hawaii filed 882K members and $17.4B in assets with the National Credit Union Administration for June 30, 2026. All 45 credit unions based in Hawaii hold federal charters, and 36 of them carry the minority depository flag, the highest share of any state. Hawaii State Federal Credit Union and HawaiiUSA Federal Credit Union lead a list concentrated in Honolulu. Combined net worth, 10.98%, sits near the national 11.42%. Loans two months late or worse come to 0.85%, close to the national 0.96%. Loans equal only 57.8% of shares, the lowest ratio. The median charter opened in 1937, 1st earliest of the 50 states and DC. Vehicle loans count for little, 10.4% of loans against 27.5% nationally, the 2nd lowest share. Offices by city: Honolulu (48), Hilo (11), Kahului (10), Kapolei (9), out of 41 places in 4 counties. Every Hawaii filer of a year ago is still on file. Latest charter: Plumbers & Fitters Local 675 Federal Credit Union, 1987, with none since 2000. The file does not say who may join any of them, or why a charter stopped filing.
Members and assets over 12 months
Hawaii: members, same charters
+0.46%
| Assets, same charters | +4.81% |
| Filers a year ago | 45 |
| Filers now | 45 |
Mergers count as growth for the credit union that absorbs another.
Filings read by Radif Partners · Editorial policy · Method and sources
Island charters and a high minority share
The filer count did not change at all over the year, while most states lost charters. Outside presence is thin at 10 offices, half of them Navy Federal’s 5. Many Hawaii filers serve one employer, one island or one community group, and 15 report under $50 million, so branch count and field of membership matter as much as size.
Highest net worth (over $100 million): McBryde FCU, 26.92%. Fewest late loans: Ko’olau FCU, 0.05%. Most branches: HawaiiUSA FCU, 15. Most members: Hawaii State FCU, 140K. Largest member change: Gather FCU, +3.34%. Next by assets: Hawaiian Financial FCU, HFS FCU, University of Hawaii FCU, Gather FCU, Hawaii Community FCU, Lokahi FCU. Smallest: Plumbers & Fitters Local 675 FCU, Glover FCU, Kahuku FCU. Minority depository flag: Hawaii State FCU, HawaiiUSA FCU, Aloha Pacific FCU, Hawaiian Financial FCU and 32 more. Largest outside presence: Navy FCU, from VA, 5 offices.
Honolulu Fire Department FCU (40.4%) leans most on vehicle loans, Hawaiian Financial FCU (92.4%) on first-lien home loans, Honolulu Fire Department FCU (7.9%) on cards. Oldest charters: Hawaii State FCU, 1936; HawaiiUSA FCU, 1936; Aloha Pacific FCU, 1936. Signia FCU lost the most members in percentage terms, -7.86%, among those over $10 million.
Rank among the 50 states and DC
| Measure | Hawaii | Rank | All filers |
|---|---|---|---|
| Vehicle loans, share of loans | 10.4% | 2nd lowest | 27.5% |
| First-lien home loans, share of loans | 46.8% | 5th highest | 36.6% |
| Credit cards, share of loans | 2.5% | 25th lowest | 4.9% |
| Commercial loans without real estate, share of loans | 2.1% | 5th highest | 0.8% |
| Loans as a share of shares and deposits | 57.8% | Lowest | |
| Assets per member | $19,703 | 8th highest | |
| Members per reported branch | 5,442 | 23rd highest | |
| Members per employee (full- and part-time) | 380 | 15th highest | |
| Filers with one branch or none | 40.0% | 18th highest | |
| Three largest names, share of assets | 40.6% | 16th lowest | |
| Fall in filer count over 12 months | 0.0% | Lowest | |
| Median year a charter opened | 1937 | Lowest |
The largest in Hawaii
| Credit union | City | Assets | Members | Net worth | Delinq. | Branches | Checks |
|---|---|---|---|---|---|---|---|
| Hawaii State Federal Credit Union (HSFCU) | Honolulu | $2.86B | 140K | 9.98% | 1.07% | 14 | 4/5 |
| HawaiiUSA Federal Credit Union | Honolulu | $2.67B | 131K | 10.63% | 0.39% | 15 | 4/5 |
| Aloha Pacific Federal Credit Union (APFCU) | Honolulu | $1.53B | 71K | 9.81% | 0.50% | 12 | 5/5 |
| Hawaiian Financial Federal Credit Union (HiTel FCU) | Honolulu | $1.13B | 52K | 11.72% | 0.54% | 10 | 4/5 |
| HFS Federal Credit Union | Hilo | $1.10B | 56K | 9.32% | 1.41% | 6 | 4/5 |
| University of Hawaii Federal Credit Union (UHFCU Investment Services) | Honolulu | $976M | 36K | 11.43% | 0.30% | 4 | 5/5 |
| Gather Federal Credit Union | Lihue | $934M | 41K | 12.81% | 0.99% | 7 | 4/5 |
| Hawaii Community Federal Credit Union | Kailua Kona | $808M | 46K | 9.65% | 1.32% | 9 | 4/5 |
| Lokahi Federal Credit Union | Pearl City | $702M | 45K | 9.49% | 0.39% | 6 | 4/5 |
| Pearl Hawaii Federal Credit Union | Waipahu | $545M | 32K | 10.19% | 0.42% | 6 | 4/5 |
| Maui County Federal Credit Union | Wailuku | $488M | 21K | 13.96% | 2.09% | 3 | 3/5 |
| CU Hawaii | Hilo | $460M | 30K | 10.97% | 0.33% | 10 | 5/5 |
| Honolulu Federal Credit Union (Honolulu Credit Union (HOCU)) | Honolulu | $423M | 20K | 12.76% | 1.36% | 5 | 4/5 |
| Hawaii Central Federal Credit Union | Honolulu | $308M | 16K | 10.06% | 1.43% | 3 | 3/5 |
| Hawaii Law Enforcement Federal Credit Union | Honolulu | $230M | 14K | 13.17% | 0.50% | 4 | 4/5 |
| Big Island Federal Credit Union | Hilo | $195M | 9,555 | 9.30% | 0.16% | 3 | 4/5 |
| Kauai Federal Credit Union | Lihue | $193M | 7,793 | 8.75% | 2.71% | 3 | 4/5 |
| Valley Isle Community Federal Credit Union | Kahului | $174M | 13K | 9.26% | 0.44% | 3 | 4/5 |
| Hawaii County Employees Federal Credit Union | Hilo | $148M | 5,947 | 15.17% | 0.21% | 1 | 5/5 |
| Maui Federal Credit Union (MAUIFED Credit Union) | Kahului | $146M | 7,338 | 14.53% | 1.15% | 3 | 4/5 |
| Wailuku Federal Credit Union | Kahului | $135M | 5,396 | 12.65% | 1.18% | 1 | 4/5 |
| Garden Island Federal Credit Union | Lihue | $126M | 7,235 | 13.72% | 1.35% | 2 | 4/5 |
| Hawaii Federal Credit Union | Honolulu | $104M | 12K | 15.15% | 0.23% | 1 | 4/5 |
| Ko’olau Federal Credit Union | Kailua | $104M | 6,161 | 9.45% | 0.05% | 3 | 4/5 |
| McBryde Federal Credit Union | Eleele | $103M | 3,165 | 26.92% | 1.70% | 1 | 3/5 |
Offices run from other states
| Credit union | Based in | Offices here | Total assets | Net worth |
|---|---|---|---|---|
| Navy Federal Credit Union | VA | 5 | $204.4B | 11.65% |
| Pentagon Federal Credit Union | VA | 2 | $29.2B | 10.72% |
| Matanuska Valley Federal Credit Union | AK | 1 | $977M | 10.67% |
| Operating Engineers Local Union #3 Federal Credit Union | CA | 1 | $1.69B | 15.48% |
| I.L.W.U. Federal Credit Union | CA | 1 | $608M | 9.94% |
In figures
| Measure | Hawaii | Federally insured, US |
|---|---|---|
| Credit unions | 45 | 4,214 |
| Members | 882K | 146.11M |
| Assets | $17.4B | $2.50T |
| Net worth ratio | 10.98% | 11.42% |
| Delinquency | 0.85% | 0.96% |
| Same-charter members, 12 months | +0.46% | n/a |
| Same-charter assets, 12 months | +4.81% | n/a |
| Filers a year earlier | 45 | n/a |
| Federal charters | 45 | 2,649 |
| State charters | 0 | 1,650 |
| Minority depository flag | 36 | 454 |
Who can join
The federal file does not list who may join, and we have not verified the rules of any name on this list. Each one can tell you itself. How to join sets out the steps.