Credit union
Aloha Pacific Federal Credit Union
Honolulu, Hawaii, Honolulu County, HI
$1.5B in total assets and 71,350 members, the 317th largest of 4,298 US credit unions and 3rd of 45 headquartered in Hawaii.
- NCUA charter
- 1845
- Charter
- Federal
- Chartered
- 1936
- NCUA insured since
- 1971
- Field of membership
- Multiple common bond - primarily federal, state, local government
- Website
- https://www.alohapacific.com
At a glance
Compared with 445 US federally insured credit unions with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.5B | 36% | $2.1B | |
| Loans | $759M | 9% | $1.5B | |
| Deposits (shares) | $1.3B | 36% | $1.8B | |
| Members | 71,350 | 20% | 118,683 | |
| Return on assets | 0.83% | 52% | 0.82% | |
| Net interest income to assets | 2.36% | 6% | 3.42% | |
| Efficiency ratio | 74.4% | 61% | 71.7% | |
| Net worth ratio | 9.81% | 25% | 10.89% | |
| Loans to shares | 57% | 5% | 88% | |
| Cost of deposits | 1.29% | 16% | 1.79% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 7.1% a year over 10 years and 5.1% a year over the last 5, including 7 mergers in the last 10 years. Membership grew 2.1% a year over 5 years, to 71,350.
Dashed lines mark larger mergers, listed below.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Oct 2024 | OAHU Federal Credit Union Credit union, Honolulu, HI | $50M |
| Nov 2021 | St. Francis Medical Center Federal Credit Union Credit union, Honolulu, HI | $10M |
| Jun 2020 | McCabe Hamilton & Renny Federal Credit Union Credit union, Honolulu, HI | $7M |
| Oct 2019 | Hawaii Pacific Federal Credit Union Credit union, Honolulu, HI | $48M |
| Aug 2018 | Kekaha Federal Credit Union Credit union, Kekaha, HI | $20M |
| Jun 2018 | OTS Employees Federal Credit Union Credit union, Honolulu, HI | $10M |
| May 2017 | Hawaii National Guard Federal Credit Union Credit union, Honolulu, HI | $19M |
| Oct 2012 | Hawaii Stevedores/Castle & Cooke Hi Federal Credit Union Credit union, Honolulu, HI | $12M |
| Jun 2011 | Media Hawaii Federal Credit Union Credit union, Honolulu, HI | $16M |
| Nov 2010 | Word of Life Federal Credit Union Credit union, Honolulu, HI | $2M |
Where they operate
13 branches in 4 counties.
Also 2 branches outside this map: 2 in Nevada. 1 of 13 branch locations are approximate (ZIP code centers).
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Honolulu County, HI | 9 | 3.8% | 8 of 41 |
| Clark County, NV | 2 | 0.6% | 25 of 58 |
| Kauai County, HI | 1 | 3.2% | 7 of 13 |
| Maui County, HI | 1 | 1.9% | 12 of 19 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 8 | |
| 2017 | 10 | +2 |
| 2018 | 12 | +2 |
| 2019 | 14 | +2 |
| 2020 | 12 | −2 |
| 2021 | 13 | +1 |
| 2022 | 12 | −1 |
| 2023 | 11 | −1 |
| 2024 | 12 | +1 |
| 2025 | 13 | +1 |
| Jun 2026 | 13 | 0 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 0.50% | 0.69% |
| Net worth ratio | 9.81% | 10.89% |
| Loans to shares | 57% | 88% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Hawaii
Most branches in Honolulu County, HI
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.