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Overview / Commentary
1331 N Nimitz Hwy Pier 39/40
Honolulu, HI 96817-4934

Oral Federal Credit Union is headquartered in Honolulu and is the 62nd largest credit union in the state of Hawaii. It is also the 5,431st largest credit union in the nation. It was established in 1950 and as of March of 2016, it had grown to 308 members at 1 location. Oral Federal Credit Union has a C+ health rating.


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Additional 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. Oral Federal Credit Union has a very low asset base, and a negative return on assets.

Health Grade Components

NCUA #6663
Year Chartered1950
Primary Regulator
Profit Margin
Return on Assets - YTD-2.48%
Return on Equity - YTD-17.75%
Annual Interest Income$10.00K
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$2.4MM$2.3MM
LoansQ1 2016vs Q1 2015$744.00K$650.00K
DepositsQ1 2016vs Q1 2015$2.0MM$1.9MM
Equity CapitalQ1 2016vs Q1 2015$338.00K$379.00K
Loan Loss AllowanceQ1 2016vs Q1 2015$1,000$3.00K
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$0$3.00K
Real Estate OwnedQ1 2016vs Q1 2015$0$0

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Oral Federal Credit Union Locations
Branch Office1331 N Nimitz Hwy Pier 39/40Honolulu, HI 96817-4934