HAWAIIUSA
Charter #1815 · Honolulu, HI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 130,552 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.13% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 34th percentile but its structural peers at the 64th — a 30-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 | HAWAIIUSA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.67B | 59th pct | 74th pct |
| Members | 130,552 | 54th pct | 79th pct |
| Net worth ratio | 10.38% | 41th pct | 48th pct |
| Return on average assets | 0.79% | 56th pct | 62th pct |
| Net interest margin | 2.90% | 22th pct | 48th pct |
| Cost of funds | 1.13% | 24th pct | 13th pct |
| Loan-to-share | 64.80% | 10th pct | 34th pct |
| Delinquency 60+ days | 0.30% | 15th pct | 30th pct |
| Net charge-off ratio | 0.40% | 34th pct | 64th pct |
| Loan growth YoY | 3.59% | 71th pct | 73th pct |
| Share growth YoY | 1.84% | 16th pct | 20th pct |
| Efficiency ratio | 78.61% | 72th pct | 56th pct |
structural peer set hash: e34c5aa38c1c4b69a3df898fe87933c5… (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.