SCHOFIELD
Charter #7423 · WAHIAWA, HI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.19% sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 2.97% sits at the 25th percentile of structural peers — worth a closer look.
- Efficiency ratio of 95.03% sits at the 92nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 71st percentile but its structural peers at the 41st — a 30-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 | SCHOFIELD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $34.53M | 71th pct | 41th pct |
| Members | 1,985 | 45th pct | 48th pct |
| Net worth ratio | 16.83% | 71th pct | 56th pct |
| Return on average assets | 0.19% | 25th pct | 15th pct |
| Net interest margin | 2.97% | 15th pct | 25th pct |
| Cost of funds | 1.79% | 86th pct | 74th pct |
| Loan-to-share | 74.62% | 77th pct | 51th pct |
| Delinquency 60+ days | 0.06% | 17th pct | 26th pct |
| Net charge-off ratio | 0.13% | 50th pct | 72th pct |
| Loan growth YoY | -4.36% | 35th pct | 10th pct |
| Share growth YoY | 3.06% | 56th pct | 59th pct |
| Efficiency ratio | 95.03% | 83th pct | 92th pct |
structural peer set hash: aeeaef149775acbc84ec03c13394f6d8… (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.