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Overview / Commentary
67-292 Goodale Ave # A2
Waialua, HI 96791-9664

Waialua Federal Credit Union is headquartered in Waialua and is the 32nd largest credit union in the state of Hawaii. It is also the 2,351st largest credit union in the nation. It was established in 1937 and as of December of 2016, it had grown to 5 employees and 3,146 members at 1 location. Waialua Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

You are eligible to join if you live, work, attend school, or worship in the zip codes of 96791 and 96712.
See current membership details


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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. Waialua Federal Credit Union has a low asset base.

Health Grade Components

NCUA #2049
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD0.46%
Return on Equity - YTD3.53%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$49.2MM$48.5MM
LoansQ4 2016vs Q4 2015$12.0MM$11.1MM
DepositsQ4 2016vs Q4 2015$42.5MM$42.3MM
Equity CapitalQ4 2016vs Q4 2015$6.4MM$6.1MM
Loan Loss AllowanceQ4 2016vs Q4 2015$161.00K$195.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$56.00K$167.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0

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Waialua Federal Credit Union Locations
Branch Office67-292 Goodale Ave # A2Waialua, HI 96791-9664