Waialua
Waialua is a credit union based in Waialua, Hawaii, established in 1937, with $48 million in total assets serving 2,969 members. By Trust Grade it ranks 13th of 45 credit unions we track in Hawaii. Its net worth ratio of 17.6% is stronger than 69% of similarly sized credit unions, versus a Hawaii median of 12.6%. It was profitable over the most recent period, with a 0.96% return on assets. No consumer complaints against Waialua appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Waialua compares to Hawaii peers
How we graded Waialua
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (17.6% capital ratio)
- Profitable (ROA 0.96%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Waialua over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Waialua insured?
Yes. Waialua is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Waialua: frequently asked questions
Is Waialua a good credit union?
Waialua earns a Bankzia Trust Grade of A (97/100, "Excellent"), based on a financial-strength score of 97/100 (it has no CFPB complaints on record). Strongly capitalized (17.6% capital ratio); Profitable (ROA 0.96%).
Is Waialua NCUA-insured?
Yes. Waialua is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Waialua?
Waialua holds $48 million in total assets, ranking 13th of 45 credit unions we track in Hawaii. It serves 2,969 members.
Does Waialua have CFPB complaints?
No CFPB complaints against Waialua appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
