KO`OLAU
Charter #8435 · KAILUA, HI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,238 sits at the 20th percentile of structural peers — worth a closer look.
- Net worth ratio of 9.08% sits at the 20th percentile of structural peers — worth a closer look.
- Return on average assets of 1.04% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.07% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.55% sits at the 84th percentile of structural peers — worth a closer look.
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 | KO`OLAU | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $104.84M | 4th pct | 13th pct |
| Members | 6,238 | 7th pct | 20th pct |
| Net worth ratio | 9.08% | 15th pct | 20th pct |
| Return on average assets | 1.04% | 71th pct | 77th pct |
| Net interest margin | 3.48% | 39th pct | 51th pct |
| Cost of funds | 1.20% | 49th pct | 64th pct |
| Loan-to-share | 61.86% | 30th pct | 46th pct |
| Delinquency 60+ days | 0.07% | 4th pct | 7th pct |
| Net charge-off ratio | 0.55% | 69th pct | 84th pct |
| Loan growth YoY | -0.98% | 37th pct | 33th pct |
| Share growth YoY | 7.26% | 89th pct | 89th pct |
| Efficiency ratio | 75.55% | 40th pct | 28th pct |
structural peer set hash: b304ed304d386d4e2f3b33c9f0883ae9… (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.