Overview / Commentary
Molokai Community Federal Credit Union is headquartered in Kaunakakai and is the 34th largest credit union in the state of Hawaii. It is also the 2,725th largest credit union in the nation. It was established in 1951 and as of March of 2025, it had grown to 8 employees and 4,386 members at 2 locations. Molokai Community Federal Credit Union's CD rates are 67% higher than the national average, and it has a B+ health rating.
Field of Membership Restrictions
Membership in Molokai Community Federal Credit Union is open to those who live, work, worship, or attend school on the Island of Molokai, Hawaii.
See current membership details
Health
B+
Data as of Q1 2025
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Molokai Community Federal Credit Union has a low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 7471 |
| Year Chartered | 1951 |
| Employees | 8 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 3.28% |
| Return on Equity - YTD | 19.54% |
| Annual Interest Income | $394K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $36.5MM$37MM |
| Loans | Q1 2025vs Q1 2024 | $16.5MM$17.6MM |
| Deposits | Q1 2025vs Q1 2024 | $29.7MM$30.3MM |
| Equity Capital | Q1 2025vs Q1 2024 | $6.1MM$5.3MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $401K$459K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $89K$193K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |