HAWAII CENTRAL
Charter #24839 · Honolulu, HI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.52% sits at the 13th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.22% sits at the 77th percentile of structural peers — worth a closer look.
- Efficiency ratio of 73.97% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 40th percentile but its structural peers at the 64th — a 24-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 | HAWAII CENTRAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $311.29M | 75th pct | 59th pct |
| Members | 16,294 | 65th pct | 62th pct |
| Net worth ratio | 9.70% | 24th pct | 36th pct |
| Return on average assets | 0.64% | 46th pct | 56th pct |
| Net interest margin | 2.52% | 5th pct | 13th pct |
| Cost of funds | 1.39% | 61th pct | 66th pct |
| Loan-to-share | 60.90% | 29th pct | 46th pct |
| Delinquency 60+ days | 1.22% | 84th pct | 77th pct |
| Net charge-off ratio | 0.27% | 40th pct | 64th pct |
| Loan growth YoY | 2.47% | 71th pct | 82th pct |
| Share growth YoY | 5.10% | 71th pct | 69th pct |
| Efficiency ratio | 73.97% | 34th pct | 25th pct |
structural peer set hash: fe981206cc402783d9b1171728329fee… (reproducible)
Closest structural peers
This is the free public view
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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.