Charter 5487 · Lihue, HI
Kauai Federal Credit Union
Kauai Federal Credit Union is a federally chartered credit union in Lihue, Hawaii, with $193 million in assets and 7,793 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 8.75%, above the 7% that NCUA's rules treat as well capitalized.
Also does business as Kalukalu at 1624.
- Total assets
- $193 million
- -2.0% in a year
- Members
- 7,793
- +0.1% in a year
- Net worth ratio
- 8.75%
- Peer median 11.65%
- Loans 60+ days late
- 2.71%
- Peer median 0.70%
- Loans outstanding
- $153 million
- -2.8% in a year
- Shares and deposits
- $140 million
- -3.5% in a year
- Branches
- 3
- 34 employees
- Opened
- 1947
- Federal charter
How Kauai Federal Credit Union compares
NCUA groups credit unions by size; Kauai Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 8.75% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 2.71%, is higher than the group median of 0.70%. Loans fell 2.8% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 17 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 | $193 million | 7,793 | $153 million | 8.75% | 2.71% |
| Q1 2026 | $198 million | 7,756 | $156 million | 8.35% | 3.12% |
| Q4 2025 | $196 million | 7,769 | $158 million | 8.29% | 0.88% |
| Q3 2025 | $196 million | 7,832 | $159 million | 8.21% | 0.98% |
| Q2 2025 | $197 million | 7,789 | $157 million | 8.08% | 0.70% |
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 73,400 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital. It is designated a minority depository institution.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 3 sites for Kauai 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.
- Main Branch (main office)
2976 Ewalu St, Lihue, HI 96766 - Kilauea Branch
2555 Ala Namahana Pkwy, Kilauea, HI 96754 - Kalukalu - Branch Kapaa
4-1624 Kuhio Hwy, Kapaa, HI 96746
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