HAWAII FIRST
Charter #10938 · Kamuela, HI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.14% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 4.76% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.94% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.85% sits at the 97th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 71st percentile but its structural peers at the 49th — a 22-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 | HAWAII FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $77.24M | 62th pct | 44th pct |
| Members | 6,090 | 67th pct | 67th pct |
| Net worth ratio | 9.14% | 11th pct | 23th pct |
| Return on average assets | 1.15% | 72th pct | 74th pct |
| Net interest margin | 4.76% | 93th pct | 95th pct |
| Cost of funds | 1.47% | 79th pct | 66th pct |
| Loan-to-share | 71.88% | 71th pct | 49th pct |
| Delinquency 60+ days | 3.94% | 99th pct | 98th pct |
| Net charge-off ratio | 0.85% | 86th pct | 97th pct |
| Loan growth YoY | -6.38% | 11th pct | 0th pct |
| Share growth YoY | 11.26% | 97th pct | 95th pct |
| Efficiency ratio | 76.34% | 41th pct | 38th pct |
structural peer set hash: b90bd0b591a3c55fd1cdea1e2c859536… (reproducible)
Closest structural peers
This is the free public view
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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.