Sep, 30, 2025 — KO`OLAU FEDERAL CREDIT UNION is a federal credit union headquartered in KAILUA, HI with 2 branch locations and about $97.79 million in total assets. Opened 73 years ago in 1953, KO`OLAU FEDERAL CREDIT UNION has about 6,343 members and employs 12 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | KO`OLAU FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 6699 Mokapu Rd KAILUA, HI 96734 |
| Phone: | (808) 254-3566 |
| Fax: | (808) 254-2243 |
| Website: | https://www.koolaufcu.org |
| Branches: | 2 branch locations |
| Members: | 6,343 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 8435 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1953 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $97,791,762 |
| CEO/Manager: | CANDI YAMAMOTO |
| Chairperson: | Valerie Gourley |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 9,997,013 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 37,668,097 |
| Unsecured Loans | 4,985,245 |
| Other Loans | 16,294,506 |
| TOTAL LOANS | 58,947,848 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -399,014 |
| Land And Building | 0 |
| Other Fixed Assets | 755,036 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 776,160 |
| All Other Assets | 0 |
| TOTAL ASSETS | 97,791,762 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 1,936,615 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 15,155,060 |
| Regular shares | 28,941,647 |
| All Other Shares & Deposits | 43,868,933 |
| TOTAL SHARES & DEPOSITS | 87,965,640 |
| TOTAL LIABILITIES | 89,902,255 |
| Regular Reserve | 0 |
| Other Reserves | -1,144,151 |
| Undivided Earnings | 9,033,658 |
| TOTAL EQUITY | 7,889,507 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 97,791,762 |
| INCOME & EXPENSE | |
| Loan Income | 2,428,989 |
| Investment Income | 785,513 |
| Other Income | 213,922 |
| Total Employee Compensation & Benefits | 738,568 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,458,794 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 83,280 |
| Cost of Funds | 830,368 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 561,817 |
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