MAUI COUNTY
Charter #1866 · Wailuku, HI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.00% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.74% sits at the 25th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.97% sits at the 93rd percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 32nd percentile but its structural peers at the 51st — a 19-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 | MAUI COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $479.46M | 98th pct | 84th pct |
| Members | 20,767 | 79th pct | 74th pct |
| Net worth ratio | 14.00% | 79th pct | 80th pct |
| Return on average assets | 0.66% | 47th pct | 36th pct |
| Net interest margin | 2.74% | 7th pct | 25th pct |
| Cost of funds | 1.39% | 62th pct | 67th pct |
| Loan-to-share | 54.70% | 18th pct | 23th pct |
| Delinquency 60+ days | 1.97% | 95th pct | 93th pct |
| Net charge-off ratio | 0.20% | 32th pct | 51th pct |
| Loan growth YoY | 0.75% | 54th pct | 57th pct |
| Share growth YoY | 0.86% | 16th pct | 25th pct |
| Efficiency ratio | 73.11% | 31th pct | 38th pct |
structural peer set hash: fd6a2124de32be669e02b746d232a1c0… (reproducible)
Closest structural peers
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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.