WAILUKU
Charter #9924 · KAHULUI, HI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 5,383 sits at the 10th percentile of structural peers — worth a closer look.
- Return on average assets of 1.54% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.12% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 62.05% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 24th percentile but its structural peers at the 56th — a 32-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 | WAILUKU | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $132.09M | 21th pct | 23th pct |
| Members | 5,383 | 5th pct | 10th pct |
| Net worth ratio | 12.36% | 62th pct | 72th pct |
| Return on average assets | 1.54% | 89th pct | 92th pct |
| Net interest margin | 3.65% | 50th pct | 62th pct |
| Cost of funds | 2.12% | 91th pct | 75th pct |
| Loan-to-share | 78.55% | 64th pct | 38th pct |
| Delinquency 60+ days | 0.26% | 19th pct | 31th pct |
| Net charge-off ratio | 0.14% | 24th pct | 56th pct |
| Loan growth YoY | 3.05% | 75th pct | 57th pct |
| Share growth YoY | 4.58% | 66th pct | 62th pct |
| Efficiency ratio | 62.05% | 11th pct | 15th pct |
structural peer set hash: b9cff4f9b4e42741b99a16387d40e002… (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.