Charter 9924 · Kahului, HI
Wailuku Federal Credit Union
Wailuku Federal Credit Union is a federally chartered credit union in Kahului, Hawaii, with $135 million in assets and 5,396 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 12.65%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $135 million
- +7.4% in a year
- Members
- 5,396
- +2.0% in a year
- Net worth ratio
- 12.65%
- Peer median 11.65%
- Loans 60+ days late
- 1.18%
- Peer median 0.70%
- Loans outstanding
- $94.0 million
- +8.7% in a year
- Shares and deposits
- $118 million
- +6.5% in a year
- Branches
- 1
- 14 employees
- Opened
- 1954
- Federal charter
How Wailuku Federal Credit Union compares
NCUA groups credit unions by size; Wailuku Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 12.65% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 1.18%, is higher than the group median of 0.70%. Loans grew 8.7% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 21 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 | $135 million | 5,396 | $94.0 million | 12.65% | 1.18% |
| Q1 2026 | $132 million | 5,383 | $90.5 million | 12.36% | 0.26% |
| Q4 2025 | $129 million | 5,362 | $87.5 million | 12.25% | 0.42% |
| Q3 2025 | $126 million | 5,288 | $87.8 million | 12.46% | 1.38% |
| Q2 2025 | $126 million | 5,288 | $86.4 million | 11.92% | 0.34% |
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 45,916 potential members. It is designated a minority depository institution.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 2 sites for Wailuku 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.
- FISERV - Portico
2601 Network Blvd Ste 900, Frisco, TX 75034 - Wailuku FCU (main office)
133 Maa St, Kahului, HI 96732
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