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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 5,438th largest credit union in the nation. It was established in 1950 and as of June of 2016, it had grown to 224 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-12.84%
Return on Equity - YTD-136.19%
Annual Interest Income$22.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$2.1MM$2.4MM
LoansQ2 2016vs Q2 2015$662.00K$761.00K
DepositsQ2 2016vs Q2 2015$1.9MM$2.0MM
Equity CapitalQ2 2016vs Q2 2015$210.00K$370.00K
Loan Loss AllowanceQ2 2016vs Q2 2015$1,000$3.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$0$3.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0

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