Sep, 30, 2025 — BIG ISLAND FEDERAL CREDIT UNION is a federal credit union headquartered in HILO, HI with 3 branch locations and about $188.15 million in total assets. Opened 90 years ago in 1936, BIG ISLAND FEDERAL CREDIT UNION has about 9,642 members and employs 28 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | BIG ISLAND FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 66 Lono St HILO, HI 96720-4144 |
| Phone: | (808) 935-9778 |
| Fax: | (808) 934-7572 |
| Website: | https://www.bigislandfcu.com |
| Branches: | 3 branch locations |
| Members: | 9,642 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 1607 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1936 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $188,146,045 |
| CEO/Manager: | Nicole Aguinaldo |
| Chairperson: | Henry Kaaihue, Jr. |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 18,845,587 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 18,887,106 |
| Unsecured Loans | 12,652,865 |
| Other Loans | 10,252,212 |
| TOTAL LOANS | 41,792,183 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,017,888 |
| Land And Building | 1,178,611 |
| Other Fixed Assets | 76,941 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,457,614 |
| All Other Assets | 23,602 |
| TOTAL ASSETS | 188,146,045 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 1,447,275 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 24,856,514 |
| Regular shares | 74,366,644 |
| All Other Shares & Deposits | 70,411,958 |
| TOTAL SHARES & DEPOSITS | 169,635,117 |
| TOTAL LIABILITIES | 171,082,392 |
| Regular Reserve | 0 |
| Other Reserves | 1,155,010 |
| Undivided Earnings | 15,908,643 |
| TOTAL EQUITY | 17,063,653 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 188,146,045 |
| INCOME & EXPENSE | |
| Loan Income | 2,124,505 |
| Investment Income | 3,455,139 |
| Other Income | 384,262 |
| Total Employee Compensation & Benefits | 2,006,307 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,663,039 |
| Non-operating Income & (Expense) | -28 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,194,124 |
| Cost of Funds | 1,865,939 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -252,204 |
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