EWA
Charter #1987 · Ewa Beach, HI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 23.25% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.16% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.09% ranks in the 17th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Loan growth YoY, the asset-size band puts this credit union at the 46th percentile but its structural peers at the 68th — 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 | EWA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $13.24M | 14th pct | 33th pct |
| Members | 1,558 | 26th pct | 38th pct |
| Net worth ratio | 23.25% | 92th pct | 95th pct |
| Return on average assets | 0.84% | 60th pct | 61th pct |
| Net interest margin | 4.12% | 63th pct | 54th pct |
| Cost of funds | 0.16% | 10th pct | 18th pct |
| Loan-to-share | 30.38% | 10th pct | 30th pct |
| Delinquency 60+ days | 0.09% | 20th pct | 17th pct |
| Net charge-off ratio | 0.00% | 23th pct | 18th pct |
| Loan growth YoY | -2.90% | 46th pct | 68th pct |
| Share growth YoY | -0.61% | 22th pct | 31th pct |
| Efficiency ratio | 83.64% | 59th pct | 51th pct |
structural peer set hash: d65e55d1bfeaad96f9322c2a0604ab20… (reproducible)
Closest structural peers
This is the free public view
Claim EWA
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.