Credit union · NCUA insured
Hawaii First FCU
Top CarrotA $77.2M credit union headquartered in Kamuela, HI, with 6,090 members and 2 branches in Hawaii.
Hawaii First FCU Carrot Score
Carrot ScoreTop Carrot
Higher than 81% of U.S. banks and credit unions
#6 of 13 in Hilo, HI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Hawaii First FCU
Founded in 1956 as Kamuela Community FCU, Hawaii First Federal Credit Union is headquartered in Kamuela, Hawaii.
Renamed Hawaii First FCU in 2003, the community development credit union operates three branches serving the entire Island of Hawaii.
- Headquarters
- 67-1187 Mamalahoa Hwy, Kamuela, HI 96743
- NCUA charter
- 10938
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives on the Island of Hawaii is eligible for membership.
- Persons who regularly work, attend school, worship, perform volunteer services, or participate in associations headquartered on the Island of Hawaii are eligible for membership.
Family and household
- Immediate family members are eligible for membership.
Other ways
- Persons participating in programs to alleviate poverty or distress located on the Island of Hawaii are eligible for membership.
- Incorporated and unincorporated organizations located on or maintaining a facility on the Island of Hawaii are eligible for membership.
Branches
2 branches in Hawaii
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Hawaii
2 branches
- Kamuela BranchMain office67-1187 Mamalahoa Hwy, Kamuela, HI 96743Directions
- Hilo Branch1221 Kilauea Ave, Suite 160, Hilo, HI 96720Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.78% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 3.68% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.90% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $77 | $59 | — |
- CapitalNet worth ratio9.78%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late3.68%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.90%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$77Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Hawaii First FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.