KAHUKU
Charter #2275 · Kahuku, HI · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,105 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -2.99% sits at the 0th percentile of structural peers — worth a closer look.
- Net interest margin of 5.96% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 8.61% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 6.89% sits at the 98th percentile of structural peers — worth a closer look.
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 | KAHUKU | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.03M | 86th pct | 46th pct |
| Members | 2,105 | 97th pct | 79th pct |
| Net worth ratio | 14.83% | 37th pct | 56th pct |
| Return on average assets | -2.99% | 8th pct | 0th pct |
| Net interest margin | 5.96% | 90th pct | 93th pct |
| Cost of funds | 1.72% | 84th pct | 70th pct |
| Loan-to-share | 80.23% | 77th pct | 66th pct |
| Delinquency 60+ days | 8.61% | 93th pct | 98th pct |
| Net charge-off ratio | 6.89% | 97th pct | 98th pct |
| Loan growth YoY | -6.20% | 44th pct | 20th pct |
| Share growth YoY | 8.63% | 91th pct | 92th pct |
| Efficiency ratio | 74.25% | 29th pct | 26th pct |
structural peer set hash: b5803c28f69c08729dfcf844a1f30aaf… (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.