RANKING ·
Highest net interest margin in Hawaii
25 of 45 credit unions in Hawaii that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Net interest margin on average assets | Total assets |
|---|---|---|---|---|
| 1 | Hawaii Federal Credit Union | Honolulu, HI | 5.21% | $104 million |
| 2 | Wailuku Federal Credit Union | Kahului, HI | 3.89% | $135 million |
| 3 | Kauai Federal Credit Union | Lihue, HI | 3.88% | $193 million |
| 4 | Garden Island Federal Credit Union | Lihue, HI | 3.88% | $126 million |
| 5 | Gather Federal Credit Union | Lihue, HI | 3.69% | $934 million |
| 6 | Honolulu Federal Credit Union | Honolulu, HI | 3.66% | $423 million |
| 7 | Hawaii State Federal Credit Union | Honolulu, HI | 3.65% | $2.9 billion |
| 8 | Ko`Olau Federal Credit Union | Kailua, HI | 3.44% | $104 million |
| 9 | CU Hawaii | Hilo, HI | 3.34% | $460 million |
| 10 | Valley Isle Community Federal Credit Union | Kahului, HI | 3.18% | $174 million |
| 11 | Hawaii County Employees Federal Credit Union | Hilo, HI | 3.16% | $148 million |
| 12 | Hawaii Community Federal Credit Union | Kailua Kona, HI | 3.01% | $808 million |
| 13 | Hfs Federal Credit Union | Hilo, HI | 2.97% | $1.1 billion |
| 14 | Hawaiiusa Federal Credit Union | Honolulu, HI | 2.95% | $2.7 billion |
| 15 | Big Island Federal Credit Union | Hilo, HI | 2.95% | $195 million |
| 16 | Hawaii Law Enforcement Federal Credit Union | Honolulu, HI | 2.84% | $230 million |
| 17 | Maui County Federal Credit Union | Wailuku, HI | 2.82% | $488 million |
| 18 | Pearl Hawaii Federal Credit Union | Waipahu, HI | 2.75% | $545 million |
| 19 | Hawaii Central Federal Credit Union | Honolulu, HI | 2.75% | $308 million |
| 20 | Maui Federal Credit Union | Kahului, HI | 2.74% | $146 million |
| 21 | Lokahi Federal Credit Union | Honolulu, HI | 2.68% | $702 million |
| 22 | Aloha Pacific Federal Credit Union | Honolulu, HI | 2.36% | $1.5 billion |
| 23 | Mcbryde Federal Credit Union | Eleele, HI | 2.25% | $103 million |
| 24 | Hawaiian Financial Federal Credit Union | Honolulu, HI | 2.18% | $1.1 billion |
| 25 | University of Hawaii Federal Credit Union | Honolulu, HI | 2.17% | $976 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings