Sep, 30, 2025 — HAWAII CENTRAL FEDERAL CREDIT UNION is a federal credit union headquartered in HONOLULU, HI with 3 branch locations and about $296.12 million in total assets. Opened 89 years ago in 1937, HAWAII CENTRAL FEDERAL CREDIT UNION has about 16,213 members and employs 38 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | HAWAII CENTRAL FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 681 S King St HONOLULU, HI 96813-3016 |
| Phone: | (808) 536-3677 |
| Fax: | (808) 536-8360 |
| Website: | https://www.hawaiicentral.org |
| Branches: | 3 branch locations |
| Members: | 16,213 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 24839 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1937 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $296,115,564 |
| CEO/Manager: | Gary Nakata |
| Chairperson: | Neil Shimogawa |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 12,716,988 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 140,305,232 |
| Unsecured Loans | 19,662,610 |
| Other Loans | 10,854,469 |
| TOTAL LOANS | 170,822,311 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -649,981 |
| Land And Building | 3,433,657 |
| Other Fixed Assets | 257,978 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 2,531,703 |
| All Other Assets | 0 |
| TOTAL ASSETS | 296,115,564 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 4,282 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 1,619,443 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 36,656,963 |
| Regular shares | 117,748,310 |
| All Other Shares & Deposits | 119,044,969 |
| TOTAL SHARES & DEPOSITS | 273,450,242 |
| TOTAL LIABILITIES | 275,073,967 |
| Regular Reserve | 0 |
| Other Reserves | -7,573,317 |
| Undivided Earnings | 28,614,914 |
| TOTAL EQUITY | 21,041,597 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 296,115,564 |
| INCOME & EXPENSE | |
| Loan Income | 6,940,726 |
| Investment Income | 1,506,066 |
| Other Income | 735,560 |
| Total Employee Compensation & Benefits | 2,932,508 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,467,101 |
| Non-operating Income & (Expense) | 255,482 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 0 |
| Cost of Funds | 3,299,692 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,691,067 |
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