Credit union
Hawaii Central Federal Credit Union
Honolulu, Hawaii, Honolulu County, HI
$308M in total assets and 16,211 members, the 1,036th largest of 4,298 US credit unions and 14th of 45 headquartered in Hawaii.
- NCUA charter
- 24839
- Charter
- Federal
- Chartered
- 1937
- NCUA insured since
- 1976
- Field of membership
- Community credit unions
- Website
- http://www.hawaiicentral.org
Earlier filings under Hawaii Central Credit Union (charter 63755), before a charter conversion, are included in the history below.
At a glance
Compared with 19 federally insured credit unions in Hawaii with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $308M | 58% | $195M | |
| Loans | $178M | 58% | $112M | |
| Deposits (shares) | $283M | 58% | $175M | |
| Members | 16,211 | 58% | 12,729 | |
| Return on assets | 0.81% | 47% | 1.02% | |
| Net interest income to assets | 2.67% | 16% | 3.15% | |
| Efficiency ratio | 71.1% | 37% | 74.0% | |
| Net worth ratio | 10.06% | 32% | 12.65% | |
| Loans to shares | 63% | 79% | 56% | |
| Cost of deposits | 1.41% | 68% | 1.37% |
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 1.7% a year over 10 years but fell 1.6% a year over the last 5, without mergers. Membership fell 1.6% a year over 5 years, to 16,211.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Feb 2016 | The Queen's Federal Credit Union Credit union, Honolulu, HI | $54M |
| Feb 2015 | Pacific Island Energy Federal Credit Union Credit union, Honolulu, HI | $8M |
| Mar 2014 | Meadow Gold Dairies Federal Credit Union Credit union, Honolulu, HI | $3M |
| Apr 2013 | Theodavies Federal Credit Union Credit union, Honolulu, HI | $9M |
| Dec 2012 | Kapalama Pacific Federal Credit Union Credit union, Honolulu, HI | $4M |
Where they operate
2 branches in 1 county.
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Honolulu County, HI | 2 | 0.8% | 22 of 41 |
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 | 2 | |
| 2017 | 2 | 0 |
| 2018 | 2 | 0 |
| 2019 | 2 | 0 |
| 2020 | 2 | 0 |
| 2021 | 2 | 0 |
| 2022 | 2 | 0 |
| 2023 | 2 | 0 |
| 2024 | 2 | 0 |
| 2025 | 2 | 0 |
| Jun 2026 | 2 | 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 | 1.43% | 0.50% |
| Net worth ratio | 10.06% | 12.65% |
| Loans to shares | 63% | 56% |
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.