Sep, 30, 2025 — HAMAKUA FEDERAL CREDIT UNION is a federal credit union headquartered in PEPEEKEO, HI with 1 branch location and about $20.90 million in total assets. Opened 89 years ago in 1937, HAMAKUA FEDERAL CREDIT UNION has about 1,773 members and employs 6 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | HAMAKUA FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 28-490 Kaakepa Street PEPEEKEO, HI 96783 |
| Phone: | (808) 964-5566 |
| Fax: | (808) 964-5634 |
| Website: | https://www.hamakuafcu.org |
| Branches: | 1 branch locations |
| Members: | 1,773 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 2280 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1937 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $20,902,517 |
| CEO/Manager: | Kelly Gibo |
| Chairperson: | Renee Schoen |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,541,724 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 1,436,586 |
| Unsecured Loans | 3,324,867 |
| Other Loans | 4,961,428 |
| TOTAL LOANS | 9,722,881 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -174,913 |
| Land And Building | 78,919 |
| Other Fixed Assets | 8,655 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 153,143 |
| All Other Assets | 23,554 |
| TOTAL ASSETS | 20,902,517 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 254,680 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 1,787,991 |
| Regular shares | 14,019,604 |
| All Other Shares & Deposits | 1,654,859 |
| TOTAL SHARES & DEPOSITS | 17,462,455 |
| TOTAL LIABILITIES | 17,717,135 |
| Regular Reserve | 0 |
| Other Reserves | 773,318 |
| Undivided Earnings | 2,412,064 |
| TOTAL EQUITY | 3,185,382 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 20,902,517 |
| INCOME & EXPENSE | |
| Loan Income | 440,199 |
| Investment Income | 306,005 |
| Other Income | 44,284 |
| Total Employee Compensation & Benefits | 265,011 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 271,771 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 59,828 |
| Cost of Funds | 33,575 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 220,891 |
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