VALLEY ISLE COMMUNITY
Charter #3574 · Kahului, HI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.10% sits at the 18th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 22nd percentile but its structural peers at the 57th — a 36-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 | VALLEY ISLE COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $173.08M | 40th pct | 59th pct |
| Members | 12,868 | 49th pct | 69th pct |
| Net worth ratio | 9.10% | 15th pct | 18th pct |
| Return on average assets | 0.47% | 34th pct | 36th pct |
| Net interest margin | 3.18% | 22th pct | 57th pct |
| Cost of funds | 1.23% | 51th pct | 67th pct |
| Loan-to-share | 37.93% | 4th pct | 21th pct |
| Delinquency 60+ days | 0.39% | 30th pct | 48th pct |
| Net charge-off ratio | 0.34% | 49th pct | 59th pct |
| Loan growth YoY | -0.11% | 46th pct | 61th pct |
| Share growth YoY | 1.63% | 23th pct | 30th pct |
| Efficiency ratio | 84.43% | 70th pct | 69th pct |
structural peer set hash: 00bc87fa56775b06694c6c2e66584f40… (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.