HAMAKUA
Charter #2280 · Pepeekeo, HI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,784 sits at the 25th percentile of structural peers — worth a closer look.
- Return on average assets of 2.09% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.39% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.89% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.16% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
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 | HAMAKUA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $21.85M | 41th pct | 20th pct |
| Members | 1,784 | 37th pct | 25th pct |
| Net worth ratio | 15.30% | 62th pct | 74th pct |
| Return on average assets | 2.09% | 95th pct | 97th pct |
| Net interest margin | 4.39% | 74th pct | 80th pct |
| Cost of funds | 0.43% | 28th pct | 36th pct |
| Loan-to-share | 51.28% | 40th pct | 54th pct |
| Delinquency 60+ days | 0.89% | 64th pct | 77th pct |
| Net charge-off ratio | -0.16% | 7th pct | 5th pct |
| Loan growth YoY | -3.21% | 44th pct | 41th pct |
| Share growth YoY | 5.10% | 75th pct | 79th pct |
| Efficiency ratio | 73.19% | 33th pct | 33th pct |
structural peer set hash: eb1010a6510116f5690228662c33ee19… (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.