MAUI
Charter #2562 · KAHULUI, HI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.61% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 1.37% sits at the 80th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.19% sits at the 85th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 28th percentile but its structural peers at the 70th — a 42-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 | MAUI | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $145.00M | 28th pct | 70th pct |
| Members | 7,308 | 14th pct | 51th pct |
| Net worth ratio | 14.32% | 82th pct | 74th pct |
| Return on average assets | 0.78% | 56th pct | 48th pct |
| Net interest margin | 2.61% | 5th pct | 13th pct |
| Cost of funds | 1.37% | 59th pct | 80th pct |
| Loan-to-share | 28.92% | 2th pct | 20th pct |
| Delinquency 60+ days | 1.19% | 83th pct | 85th pct |
| Net charge-off ratio | 0.41% | 55th pct | 70th pct |
| Loan growth YoY | -0.64% | 40th pct | 62th pct |
| Share growth YoY | 3.80% | 55th pct | 57th pct |
| Efficiency ratio | 74.43% | 35th pct | 41th pct |
structural peer set hash: 5611c1eba91b752e24e55064b2f68d91… (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.