Credit union · NCUA insured
Honolulu Federal Credit Union (HOCU)
Top CarrotA $418.1M credit union headquartered in Honolulu, HI, with 19,786 members and 5 branches in Hawaii. Best rates: CDs 4.50% and savings 0.17% APY.
Honolulu Federal Credit Union (HOCU) Carrot Score
Carrot ScoreTop Carrot
Higher than 76% of U.S. banks and credit unions
#6 of 29 in Urban Honolulu, HI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Honolulu Federal Credit Union (HOCU)
Honolulu Federal Credit Union is a credit union.
- Headquarters
- 2305 S Beretania St, Honolulu, HI 96826
- NCUA charter
- 1830
Branches
5 branches in Hawaii
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Hawaii
5 branches
- Moiliili BranchMain office2305 S Beretania St, Honolulu, HI 96826Directions
- Ewa Branch91-1717 Fort Weaver Rd Ste B, Ewa Beach, HI 96706Directions
- Airport Branch3600 Aolele St, Honolulu, HI 96820Directions
- Federal Building300 Ala Moana Blvd, #1-137, Honolulu, HI 96850Directions
- Tripler Branch459 Patterson Rd Rm 1-C100, Honolulu, HI 96819Directions
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 | 12.76% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.36% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.19% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $87 | $76 | — |
- CapitalNet worth ratio12.76%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.36%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.19%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$87Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Honolulu Federal Credit Union (HOCU) are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.