HAWAII
Charter #2403 · Honolulu, HI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.68% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.44% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.03% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.24% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.82% sits at the 90th 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 | HAWAII | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $105.44M | 4th pct | 15th pct |
| Members | 11,567 | 42th pct | 69th pct |
| Net worth ratio | 14.68% | 83th pct | 80th pct |
| Return on average assets | 1.44% | 87th pct | 89th pct |
| Net interest margin | 5.03% | 97th pct | 98th pct |
| Cost of funds | 1.02% | 40th pct | 41th pct |
| Loan-to-share | 81.54% | 72th pct | 59th pct |
| Delinquency 60+ days | 0.24% | 17th pct | 16th pct |
| Net charge-off ratio | 0.82% | 84th pct | 90th pct |
| Loan growth YoY | -2.26% | 23th pct | 15th pct |
| Share growth YoY | -3.97% | 1th pct | 0th pct |
| Efficiency ratio | 74.14% | 34th pct | 25th pct |
structural peer set hash: 8516a37a08f87d5438eb4f0cc08e3eff… (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.