B
HFS Federal Credit Union
HiloHI
Rating Date
July 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings HFS Federal Credit Union
Hilo, HI
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Rating B
Asset Quality Index 8.60
Capitalization Index 6.60
Liquidity Index 4.60
Profitability Index 5.50
Stability Index 6.10
Company Info HFS Federal Credit Union
Hilo, HI
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NCUA Charter Number 169
Phone Number (808) 930-1400
Website hfsfcu.org
Asset Quality HFS Federal Credit Union
Hilo, HI
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1-Year Asset Growth 10.75%
5-Year Asset Growth 9.26%
5-Year Charge-Offs to Average Loans 0.48%
Charge-Offs to Average Loans 0.44%
Non-Performing Assets to Assets 0.32%
Non-Performing Loans to Capital 3.23%
Non-Performing Loans to Loans 0.71%
Balance Sheet HFS Federal Credit Union
Hilo, HI
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Total Assets 974.83M
Total Deposits 877.40M
Capital and Reserves HFS Federal Credit Union
Hilo, HI
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Capital 87.93M
Leverage Ratio 9.04
Loan Loss Reserves to Loans 2.03%
Liquidity HFS Federal Credit Union
Hilo, HI
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Hot Money Ratio 13.30%
Liquidity Ratio 28.49%
Profitability HFS Federal Credit Union
Hilo, HI
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5-Year Return on Average Assets 0.61%
Net Income 2.16M
Net Interest Spread 3.29%
Operating Profit to Average Assets 1.03%
Overhead Efficiency Ratio 70.63%
Return on Assets 0.91%
Return on Equity 9.93%