HAWAII COMMUNITY
Charter #1719 · Kailua Kona, HI · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- On Net interest margin, the asset-size band puts this credit union at the 17th percentile but its structural peers at the 49th — a 32-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 COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $805.03M | 70th pct | 51th pct |
| Members | 45,859 | 63th pct | 64th pct |
| Net worth ratio | 9.60% | 33th pct | 31th pct |
| Return on average assets | 0.62% | 50th pct | 52th pct |
| Net interest margin | 2.95% | 17th pct | 49th pct |
| Cost of funds | 1.23% | 34th pct | 44th pct |
| Loan-to-share | 55.72% | 8th pct | 25th pct |
| Delinquency 60+ days | 0.65% | 56th pct | 69th pct |
| Net charge-off ratio | 0.26% | 29th pct | 54th pct |
| Loan growth YoY | 0.29% | 44th pct | 43th pct |
| Share growth YoY | 4.66% | 61th pct | 64th pct |
| Efficiency ratio | 80.10% | 58th pct | 56th pct |
structural peer set hash: 9b06dfc2f7dd449d35b7625f69183cb4… (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.