HAWAII STATE
Charter #1718 · Honolulu, HI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 138,998 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 9.44% sits at the 23rd percentile of structural peers — worth a closer look.
- Return on average assets of 1.27% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.51% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.21% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
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 STATE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.88B | 64th pct | 77th pct |
| Members | 138,998 | 57th pct | 80th pct |
| Net worth ratio | 9.44% | 20th pct | 23th pct |
| Return on average assets | 1.27% | 84th pct | 89th pct |
| Net interest margin | 3.51% | 60th pct | 90th pct |
| Cost of funds | 1.21% | 26th pct | 23th pct |
| Loan-to-share | 57.49% | 5th pct | 23th pct |
| Delinquency 60+ days | 1.06% | 81th pct | 80th pct |
| Net charge-off ratio | 0.15% | 10th pct | 34th pct |
| Loan growth YoY | 3.25% | 68th pct | 73th pct |
| Share growth YoY | 1.29% | 12th pct | 14th pct |
| Efficiency ratio | 68.32% | 35th pct | 28th pct |
structural peer set hash: 18441aaf0d210b5999c33c6348d9fa07… (reproducible)
Closest structural peers
This is the free public view
Claim HAWAII STATE
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.