HAWAII COUNTY EMPLOYEES
Charter #1784 · Hilo, HI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.33% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.48% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.19% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 62.36% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 29th percentile but its structural peers at the 77th — a 48-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 COUNTY EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $145.37M | 29th pct | 77th pct |
| Members | 5,930 | 6th pct | 49th pct |
| Net worth ratio | 15.08% | 85th pct | 74th pct |
| Return on average assets | 1.33% | 84th pct | 77th pct |
| Net interest margin | 3.13% | 20th pct | 34th pct |
| Cost of funds | 1.48% | 66th pct | 89th pct |
| Loan-to-share | 36.89% | 4th pct | 28th pct |
| Delinquency 60+ days | 0.68% | 56th pct | 59th pct |
| Net charge-off ratio | -0.19% | 0th pct | 3th pct |
| Loan growth YoY | 0.78% | 55th pct | 75th pct |
| Share growth YoY | 5.85% | 79th pct | 87th pct |
| Efficiency ratio | 62.36% | 11th pct | 11th pct |
structural peer set hash: 3b5a843e3a7923265f90e79caa1f6054… (reproducible)
Closest structural peers
This is the free public view
Claim HAWAII COUNTY EMPLOYEES
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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.