KAUAI OHANA
Charter #2577 · Lihue, HI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.70% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 1.62% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.20% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 88.85% sits at the 80th percentile of structural peers — worth a closer look.
- On Delinquency 60+ days, the asset-size band puts this credit union at the 33rd percentile but its structural peers at the 49th — a 17-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 | KAUAI OHANA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $63.23M | 32th pct | 33th pct |
| Members | 3,983 | 28th pct | 39th pct |
| Net worth ratio | 8.70% | 8th pct | 7th pct |
| Return on average assets | 0.58% | 43th pct | 43th pct |
| Net interest margin | 3.73% | 52th pct | 67th pct |
| Cost of funds | 1.62% | 85th pct | 82th pct |
| Loan-to-share | 60.77% | 50th pct | 51th pct |
| Delinquency 60+ days | 0.34% | 33th pct | 49th pct |
| Net charge-off ratio | -0.20% | 2th pct | 2th pct |
| Loan growth YoY | 3.69% | 88th pct | 74th pct |
| Share growth YoY | 3.98% | 64th pct | 52th pct |
| Efficiency ratio | 88.85% | 77th pct | 80th pct |
structural peer set hash: 70789afe0d2810d4fe54a7f614c93e80… (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.