WAIALUA
Charter #2049 · Waialua, HI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of -0.24% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 97th percentile but its structural peers at the 62nd — a 35-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 | WAIALUA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $47.62M | 97th pct | 62th pct |
| Members | 2,969 | 75th pct | 67th pct |
| Net worth ratio | 17.58% | 74th pct | 70th pct |
| Return on average assets | 0.97% | 67th pct | 74th pct |
| Net interest margin | 2.76% | 10th pct | 31th pct |
| Cost of funds | 1.27% | 70th pct | 59th pct |
| Loan-to-share | 48.38% | 34th pct | 38th pct |
| Delinquency 60+ days | 0.15% | 26th pct | 41th pct |
| Net charge-off ratio | -0.24% | 4th pct | 2th pct |
| Loan growth YoY | -0.05% | 70th pct | 64th pct |
| Share growth YoY | 0.38% | 29th pct | 31th pct |
| Efficiency ratio | 75.50% | 38th pct | 43th pct |
structural peer set hash: d94aa6628b0f422f6ed4dcbb1bad7f31… (reproducible)
Closest structural peers
This is the free public view
Claim WAIALUA
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.