CU HAWAII
Charter #24630 · Hilo, HI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 29,596 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.42% sits at the 23rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.20% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 38th percentile but its structural peers at the 59th — a 21-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 | CU HAWAII | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $453.17M | 96th pct | 84th pct |
| Members | 29,596 | 93th pct | 89th pct |
| Net worth ratio | 10.95% | 42th pct | 48th pct |
| Return on average assets | 0.42% | 30th pct | 23th pct |
| Net interest margin | 3.15% | 21th pct | 34th pct |
| Cost of funds | 0.98% | 37th pct | 41th pct |
| Loan-to-share | 54.85% | 18th pct | 20th pct |
| Delinquency 60+ days | 0.20% | 13th pct | 18th pct |
| Net charge-off ratio | 0.26% | 38th pct | 59th pct |
| Loan growth YoY | 22.37% | 100th pct | 98th pct |
| Share growth YoY | 5.94% | 80th pct | 80th pct |
| Efficiency ratio | 80.63% | 58th pct | 64th pct |
structural peer set hash: f03355e11bff67efdbea906017d68958… (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.