UNIVERSITY OF HAWAII
Charter #10465 · Honolulu, HI · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.01% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.11% sits at the 15th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.20% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 56.20% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 95th percentile but its structural peers at the 64th — a 31-point gap showing why the peer definition matters.
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 | UNIVERSITY OF HAWAII | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $956.73M | 95th pct | 64th pct |
| Members | 35,354 | 31th pct | 57th pct |
| Net worth ratio | 11.19% | 62th pct | 43th pct |
| Return on average assets | 1.01% | 72th pct | 77th pct |
| Net interest margin | 2.11% | 1th pct | 15th pct |
| Cost of funds | 1.76% | 71th pct | 72th pct |
| Loan-to-share | 41.60% | 3th pct | 11th pct |
| Delinquency 60+ days | 0.20% | 11th pct | 21th pct |
| Net charge-off ratio | 0.33% | 41th pct | 67th pct |
| Loan growth YoY | 5.35% | 91th pct | 92th pct |
| Share growth YoY | 2.76% | 32th pct | 44th pct |
| Efficiency ratio | 56.20% | 5th pct | 13th pct |
structural peer set hash: b68fa08615e4567845781b3dc9b28290… (reproducible)
Closest structural peers
This is the free public view
Claim UNIVERSITY OF HAWAII
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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.