Unverified listing What this means
The Lender Report built this page from public records. Hawaii Central Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Hawaii Central Credit Union itself. Each figure shows its source and date. Work at Hawaii Central Credit Union? You can claim this page for free.
Credit union, Honolulu, HI
Hawaii Central Credit Union
A credit union based in Honolulu, HI. Its commercial book is led by non-owner-occupied CRE and multifamily. No public file shows individual loans it has made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $9.25M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 0
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- Not reported
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $308M
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 808-536-3677 From the NCUA record, June 30, 2026.
- Website
- www.hawaiicentral.orgFrom the NCUA record, November 9, 2026.
- Names it files under
- HAWAII CENTRAL; Hawaii Central Federal Credit UnionNCUA 5300,
- Address
- 681 S King St, Honolulu, HI 96813-3016NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Community credit unions.
Recently done
Balances only
Balances only. No public file shows individual loans this lender made. Below is how its book moved.
| When | What the record shows | Source |
|---|---|---|
| October 21, 2026 | Certified by the CDFI Fund as a Community Development Financial Institution.Membership in a public list, not lending volume. | CDFI Fund certified list, |
No public record of recent loans. That can mean no such loans or no duty to report.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $2.27M | 1.3% | Not reported | 2 | $1.13M |
| Construction and land development | $1.30M | 0.7% | Not reported | 1 | $1.30M |
| Owner-occupied CRE | $902K | 0.5% | Not reported | 1 | $902K |
| Non-owner-occupied CRE | $3.31M | 1.9% | -0.4% | 3 | $1.10M |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $1.47M | 0.8% | -44.4% | 10 | $147K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $9.25M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $6.07M |
| Q4 2023 | $6.00M |
| Q1 2024 | $8.96M |
| Q2 2024 | $8.95M |
| Q3 2024 | $7.47M |
| Q4 2024 | $7.46M |
| Q1 2025 | $7.05M |
| Q2 2025 | $5.97M |
| Q3 2025 | $6.16M |
| Q4 2025 | $9.34M |
| Q1 2026 | $9.30M |
| Q2 2026 | $9.25M |
| Book | Average loan |
|---|---|
| Construction and land development | $1.30M |
| Multifamily | $1.13M |
| Owner-occupied CRE | $902K |
| Non-owner-occupied CRE | $1.10M |
| Commercial and industrial | $147K |
Programs on record: Federal Home Loan Bank member, Des Moines district (FHFA).
Program lists that name this lender
Membership, not lending volume
- Listed by CDFI Fund: List of Certified CDFIs as: Certified CDFI (October 21, 2026). Certified by the CDFI Fund as a Community Development Financial Institution. Kind of institution: Credit Union. Certification: Certified by the CDFI Fund since 2016-01-18.
Being on a list says the lender is a member of that program on the date shown. It does not say how much it lends.
Where it lends
Offices beside loans on record
| State | Offices |
|---|---|
| Hawaii HQ | 3 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $37.7M | $23.6M to $99.0M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $477K | $0 to $34.8M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 1.3% | 0.0% to 104.1% across 8 peers | Business loans outstanding over the estimated cap. | NCUA 5300, |
| Largest single borrower | $4.64M | $2.53M to $11.7M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 22.2% | 23.1% to 75.2% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 58.0% | 46.1% to 79.3% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Honolulu Credit Union | HI | $423M | $12.5M |
| CU Hawaii | HI | $460M | $19.5M |
| Members1st Community Credit Union | IA | $311M | $11.4M |
| Finger Lakes Credit Union | NY | $259M | $17.0M |
| Red Crown Credit Union | OK | $257M | $19.3M |
| Kauai Credit Union | HI | $193M | $15.9M |
| Primetrust Financial Credit Union | IN | $273M | $34.5M |
| Hawaii Community Credit Union | HI | $808M | $35.7M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it made any commercial real estate loans in the first half of 2026. It reported none, and the 5300 covers only what it files.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Hawaii Central Credit Union, NCUA charter 24839. Compare it with the regulator's record. [NCUA profile]
- Balances. $308M in total assets and $9.25M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. Your NCUA Form 5300 for June 30, 2026 reports no commercial loans made. If that is wrong, report it with evidence.
- Phone and website. Phone 808-536-3677, from the NCUA record. Website hawaiicentral.org, from the NCUA record. [How to reach them]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- National Credit Union Administration
- NCUA charter
- 24839
- RSSD
- 710390
- The Lender Report ID
- lr_003504
- Main office county
- Honolulu
- Members
- 16,196
- NCUA region
- 3 - Western
NCUA credit union details,
- Reported $307.6M in total assets as of June 30, 2026 (NCUA 5300).
- Held $9.3M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $3.3M of non-owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $2.3M of multifamily loans as of June 30, 2026 (NCUA 5300).
- Held $1.5M of commercial and industrial loans as of June 30, 2026 (NCUA 5300).
- Held $8.8M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
2 more sentences
- Listed 3 offices in 1 state (NCUA).
- Certified by the CDFI Fund as a Community Development Financial Institution. (CDFI Fund list, as of October 21, 2026).
Cite this
Source: The Lender Report, Hawaii Central Credit Union, https://lender.report/lender/hawaii-central-credit-union-hi/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- NCUA 5300, June 30, 2026
- CDFI Fund certified list, October 21, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at Hawaii Central Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem