Hawaii Central Federal Credit Union
Total assets
$311.3M
▲ +6.7% YoY
Shares & deposits
$287.4M
▲ +5.7% YoY
Loans
$175.0M
▲ +4.9% YoY
Members
16,294
▲ +0.4% YoY
ROA (annualized)
0.63%
peers 0.69%
ROE (annualized)
6.50%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +3.9% | +2.8 pts |
| Share growth (YoY) | +5.7% | +3.3% | +2.4 pts |
| Loan growth (YoY) | +4.9% | +2.9% | +1.9 pts |
| ROA | 0.63% | 0.69% | -0.1 pts |
| ROE | 6.5% | 5.9% | +0.6 pts |
ROA ranks in the 45th percentile of its peer group · Q1 2026
Profile
- Established
- 1937
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 681 S King St, Honolulu, HI, 96813
- NCUA charter #
- 24839
- RSSD ID
- 710390
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $311.3M | $287.4M | $175.0M | $30.2M | $491K | 0.63% | 2.47% | 1.22% | 16,294 |
| Q4 2025 | $299.8M | $276.4M | $178.5M | $29.7M | $1.8M | 0.60% | 2.32% | 1.29% | 16,339 |
| Q3 2025 | $296.1M | $273.5M | $170.8M | $29.6M | $1.7M | 0.76% | 2.32% | 2.11% | 16,213 |
| Q2 2025 | $299.3M | $279.4M | $163.4M | $28.6M | $686K | 0.46% | 2.26% | 0.39% | 16,226 |
| Q1 2025 | $291.8M | $271.8M | $166.9M | $28.3M | $378K | 0.52% | 2.35% | 0.11% | 16,236 |
| Q4 2024 | $293.6M | $267.9M | $169.2M | $27.9M | $268K | 0.09% | 2.07% | 0.47% | 16,329 |
| Q3 2024 | $300.3M | $269.2M | $171.5M | $28.1M | $436K | 0.19% | 2.00% | 0.38% | 16,429 |
| Q2 2024 | $302.8M | $263.3M | $174.1M | $28.0M | $397K | 0.26% | 2.02% | 0.34% | 16,524 |
Loan mix (Q1 2026): real estate $139.1M · commercial $9.3M · consumer $23.2M · securities $80.2M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.69% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 5.9% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.47% | 3.62% | 4th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.0% | 78.7% | 34th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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