Sep, 30, 2025 — WAILUKU FEDERAL CREDIT UNION is a federal credit union headquartered in KAHULUI, HI with 1 branch location and about $126.02 million in total assets. Opened 72 years ago in 1954, WAILUKU FEDERAL CREDIT UNION has about 5,288 members and employs 14 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | WAILUKU FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 133 Maa St KAHULUI, HI 96732-3603 |
| Phone: | (808) 244-7981 |
| Fax: | (808) 242-1507 |
| Website: | https://www.wailukufcu.com |
| Branches: | 1 branch locations |
| Members: | 5,288 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 9924 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1954 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $126,016,441 |
| CEO/Manager: | Craig N Kinoshita |
| Chairperson: | Todd Y Hondo |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 10,148,901 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 69,545,949 |
| Unsecured Loans | 3,711,728 |
| Other Loans | 14,584,244 |
| TOTAL LOANS | 87,841,922 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,028,136 |
| Land And Building | 4,696,315 |
| Other Fixed Assets | 23,530 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 928,347 |
| All Other Assets | 0 |
| TOTAL ASSETS | 126,016,441 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 814,808 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 6,233,814 |
| Regular shares | 45,613,521 |
| All Other Shares & Deposits | 58,354,266 |
| TOTAL SHARES & DEPOSITS | 110,201,601 |
| TOTAL LIABILITIES | 111,016,409 |
| Regular Reserve | 0 |
| Other Reserves | -479,327 |
| Undivided Earnings | 15,479,359 |
| TOTAL EQUITY | 15,000,032 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 126,016,441 |
| INCOME & EXPENSE | |
| Loan Income | 4,636,033 |
| Investment Income | 650,060 |
| Other Income | 445,810 |
| Total Employee Compensation & Benefits | 1,073,094 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 999,516 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 123,888 |
| Cost of Funds | 1,861,693 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,722,922 |
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