HFS
Charter #1829 · HILO, HI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.03% sits at the 13th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.09% sits at the 90th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.76% sits at the 92nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 67.22% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 7th percentile but its structural peers at the 69th — a 61-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 | HFS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.10B | 7th pct | 66th pct |
| Members | 55,975 | 7th pct | 69th pct |
| Net worth ratio | 9.03% | 13th pct | 13th pct |
| Return on average assets | 0.79% | 57th pct | 67th pct |
| Net interest margin | 2.77% | 16th pct | 31th pct |
| Cost of funds | 1.62% | 42th pct | 67th pct |
| Loan-to-share | 47.20% | 2th pct | 10th pct |
| Delinquency 60+ days | 1.09% | 82th pct | 90th pct |
| Net charge-off ratio | 0.76% | 73th pct | 92th pct |
| Loan growth YoY | 2.36% | 59th pct | 59th pct |
| Share growth YoY | 6.90% | 82th pct | 84th pct |
| Efficiency ratio | 67.22% | 29th pct | 16th pct |
structural peer set hash: 1ba85bd8d7c61a43d4ffaf3da0f65fd0… (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.