KAUAI
Charter #5487 · Lihue, HI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.35% sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 3.75% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.65% sits at the 82nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 3.12% sits at the 93rd percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 36th percentile but its structural peers at the 64th — a 28-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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $197.69M | 51th pct | 49th pct |
| Members | 7,756 | 16th pct | 31th pct |
| Net worth ratio | 8.35% | 6th pct | 11th pct |
| Return on average assets | 0.46% | 33th pct | 43th pct |
| Net interest margin | 3.75% | 56th pct | 75th pct |
| Cost of funds | 2.65% | 98th pct | 82th pct |
| Loan-to-share | 106.55% | 99th pct | 87th pct |
| Delinquency 60+ days | 3.12% | 98th pct | 93th pct |
| Net charge-off ratio | 0.24% | 36th pct | 64th pct |
| Loan growth YoY | -1.95% | 25th pct | 21th pct |
| Share growth YoY | 2.49% | 35th pct | 44th pct |
| Efficiency ratio | 88.74% | 82th pct | 66th pct |
structural peer set hash: 1151f5d76f56b418220d02c7408a892d… (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.