Overview / Commentary
Waialua Federal Credit Union is headquartered in Waialua and is the 32nd largest credit union in the state of Hawaii. It is also the 2,472nd largest credit union in the nation. It was established in 1937 and as of December of 2024, it had grown to 5 employees and 3,009 members at 1 location. Waialua Federal Credit Union's savings rates are 92% higher than the national average, and it has a B health rating.
Field of Membership Restrictions
Waialua Federal Credit Union membership is open to those who live, work, worship, or go to school in the 96712 and 96791 zip code areas.
See current membership details
Health
B
Data as of Q4 2024
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. Waialua Federal Credit Union has a low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 2049 |
| Year Chartered | 1937 |
| Employees | 5 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.23% |
| Return on Equity - YTD | 1.36% |
| Annual Interest Income | $1.6MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2024vs Q4 2023 | $47.2MM$49.4MM |
| Loans | Q4 2024vs Q4 2023 | $18.8MM$17.9MM |
| Deposits | Q4 2024vs Q4 2023 | $39.1MM$41.1MM |
| Equity Capital | Q4 2024vs Q4 2023 | $8MM$7.8MM |
| Loan Loss Allowance | Q4 2024vs Q4 2023 | $136K$131K |
| Unbacked Noncurrent Loans | Q4 2024vs Q4 2023 | $65K$93K |
| Real Estate Owned | Q4 2024vs Q4 2023 | $0$0 |