HAWAIIAN ELECTRIC EMPLOYEES
Charter #1869 · Honolulu, HI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 18.67% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.19% sits at the 82nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 86.30% sits at the 80th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 74th percentile but its structural peers at the 52nd — a 22-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 | HAWAIIAN ELECTRIC EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $36.04M | 74th pct | 52th pct |
| Members | 1,838 | 39th pct | 43th pct |
| Net worth ratio | 18.67% | 81th pct | 82th pct |
| Return on average assets | 0.94% | 65th pct | 54th pct |
| Net interest margin | 3.20% | 22th pct | 31th pct |
| Cost of funds | 1.15% | 65th pct | 66th pct |
| Loan-to-share | 55.66% | 48th pct | 56th pct |
| Delinquency 60+ days | 1.19% | 72th pct | 82th pct |
| Net charge-off ratio | 0.17% | 54th pct | 64th pct |
| Loan growth YoY | -2.09% | 53th pct | 44th pct |
| Share growth YoY | 3.43% | 61th pct | 62th pct |
| Efficiency ratio | 86.30% | 65th pct | 80th pct |
structural peer set hash: ec1d0eab6cc20652cf4847fbabd1244c… (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.