BIG ISLAND
Charter #1607 · HILO, HI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.14% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 1.40% sits at the 79th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 30th percentile but its structural peers at the 66th — a 36-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 | BIG ISLAND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $194.06M | 49th pct | 74th pct |
| Members | 9,583 | 30th pct | 66th pct |
| Net worth ratio | 9.14% | 16th pct | 18th pct |
| Return on average assets | 0.53% | 38th pct | 33th pct |
| Net interest margin | 2.78% | 8th pct | 33th pct |
| Cost of funds | 1.40% | 62th pct | 79th pct |
| Loan-to-share | 23.45% | 1th pct | 7th pct |
| Delinquency 60+ days | 0.36% | 27th pct | 49th pct |
| Net charge-off ratio | 0.27% | 39th pct | 57th pct |
| Loan growth YoY | -1.67% | 28th pct | 49th pct |
| Share growth YoY | 3.32% | 48th pct | 59th pct |
| Efficiency ratio | 82.21% | 63th pct | 62th pct |
structural peer set hash: 126d84b1d546a306083cb47f053b86c3… (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.