Charter 1829 · Hilo, HI
Hfs Federal Credit Union
Hfs Federal Credit Union is a federally chartered credit union in Hilo, Hawaii, with $1.10 billion in assets and 56,409 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.32%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $1.10 billion
- +9.4% in a year
- Members
- 56,409
- +3.0% in a year
- Net worth ratio
- 9.32%
- Peer median 10.79%
- Loans 60+ days late
- 1.41%
- Peer median 0.67%
- Loans outstanding
- $482 million
- +8.5% in a year
- Shares and deposits
- $988 million
- +9.3% in a year
- Branches
- 6
- 136 employees
- Opened
- 1937
- Federal charter
How Hfs Federal Credit Union compares
NCUA groups credit unions by size; Hfs Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 9.32% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 1.41%, is higher than the group median of 0.67%. Loans grew 8.5% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 5 of 45 credit unions headquartered in Hawaii. See all Hawaii credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $1.10 billion | 56,409 | $482 million | 9.32% | 1.41% |
| Q1 2026 | $1.10 billion | 55,975 | $468 million | 9.03% | 1.09% |
| Q4 2025 | $1.07 billion | 55,513 | $464 million | 9.05% | 1.42% |
| Q3 2025 | $1.03 billion | 55,316 | $457 million | 9.18% | 1.38% |
| Q2 2025 | $1.00 billion | 54,744 | $444 million | 9.08% | 1.27% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 209,790 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 6 sites for Hfs Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- HILO OFFICE (main office)
632 Kinoole St, Hilo, HI 96720 - PRINCE KUHIO PLAZA OFFICE
111 E Puainako St, Hilo, HI 96720 - KEA'AU OFFICE
16-589 Old Volcano Rd, Keaau, HI 96749 - WAIMEA CENTER OFFICE
65-1158 Mamalahoa Hwy, Kamuela, HI 96743 - KONA COAST SHOPPING CENTER OFFICE
74-5586 Palani Rd Ste 5, Kailua Kona, HI 96740 - HONOKAA
45-3600 Mamane St, Honokaa, HI 96727
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology