KAHULUI
Charter #10399 · KAHULUI, HI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.31% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 2.52% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 1.69% sits at the 90th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.06% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 89.30% sits at the 80th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | KAHULUI | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $79.48M | 67th pct | 62th pct |
| Members | 3,981 | 27th pct | 43th pct |
| Net worth ratio | 13.76% | 60th pct | 74th pct |
| Return on average assets | 0.31% | 28th pct | 25th pct |
| Net interest margin | 2.52% | 5th pct | 16th pct |
| Cost of funds | 1.69% | 86th pct | 90th pct |
| Loan-to-share | 40.60% | 14th pct | 28th pct |
| Delinquency 60+ days | 0.06% | 7th pct | 21th pct |
| Net charge-off ratio | 0.00% | 17th pct | 28th pct |
| Loan growth YoY | -0.82% | 57th pct | 52th pct |
| Share growth YoY | 1.78% | 38th pct | 52th pct |
| Efficiency ratio | 89.30% | 77th pct | 80th pct |
structural peer set hash: 08627b8ab393dae840d00d7548b3b69d… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.