Overview / Commentary
Waialua Federal Credit Union is headquartered in Waialua and is the 31st largest credit union in the state of Hawaii. It is also the 2,364th largest credit union in the nation. It was established in 1937 and as of December of 2019, it had grown to 4 employees and 3,216 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
Health
B
Data as of Q4 2019
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 | 4 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.42% |
| Return on Equity - YTD | 2.85% |
| Annual Interest Income | $1.4MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2019vs Q4 2018 | $48.0MM$49.4MM |
| Loans | Q4 2019vs Q4 2018 | $15.4MM$14.7MM |
| Deposits | Q4 2019vs Q4 2018 | $40.4MM$42.3MM |
| Equity Capital | Q4 2019vs Q4 2018 | $7.1MM$6.7MM |
| Loan Loss Allowance | Q4 2019vs Q4 2018 | $204.00K$207.00K |
| Unbacked Noncurrent Loans | Q4 2019vs Q4 2018 | $110.00K$277.00K |
| Real Estate Owned | Q4 2019vs Q4 2018 | $0$0 |