HAWAII SCHOOLS
Charter #1785 · Honolulu, HI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of -0.12% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 10th percentile but its structural peers at the 43rd — a 33-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 SCHOOLS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $76.65M | 60th pct | 57th pct |
| Members | 3,352 | 16th pct | 34th pct |
| Net worth ratio | 13.45% | 57th pct | 57th pct |
| Return on average assets | 0.77% | 54th pct | 62th pct |
| Net interest margin | 2.79% | 10th pct | 43th pct |
| Cost of funds | 0.94% | 52th pct | 43th pct |
| Loan-to-share | 33.30% | 7th pct | 21th pct |
| Delinquency 60+ days | 0.20% | 20th pct | 39th pct |
| Net charge-off ratio | -0.12% | 4th pct | 7th pct |
| Loan growth YoY | -2.77% | 37th pct | 34th pct |
| Share growth YoY | 0.02% | 18th pct | 26th pct |
| Efficiency ratio | 75.10% | 37th pct | 39th pct |
structural peer set hash: a334e415dea65d74c6a8c6fbe42764e8… (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.