HAWAIIAN FINANCIAL
Charter #1717 · Honolulu, HI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.16% sits at the 13th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.01% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 5th percentile but its structural peers at the 59th — a 54-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 | HAWAIIAN FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.11B | 7th pct | 56th pct |
| Members | 51,839 | 5th pct | 59th pct |
| Net worth ratio | 11.73% | 68th pct | 52th pct |
| Return on average assets | 0.74% | 51th pct | 64th pct |
| Net interest margin | 2.16% | 3th pct | 13th pct |
| Cost of funds | 1.94% | 58th pct | 72th pct |
| Loan-to-share | 59.40% | 7th pct | 39th pct |
| Delinquency 60+ days | 0.61% | 48th pct | 56th pct |
| Net charge-off ratio | -0.01% | 0th pct | 0th pct |
| Loan growth YoY | -0.61% | 18th pct | 26th pct |
| Share growth YoY | 6.27% | 77th pct | 82th pct |
| Efficiency ratio | 72.66% | 51th pct | 28th pct |
structural peer set hash: e1e7008a9b0b02af5a2ead2ab4d5e41f… (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.