Hawaii Federal Credit Union
Total assets
$105.4M
▼ -3.7% YoY
Shares & deposits
$87.7M
▼ -5.3% YoY
Loans
$71.5M
▼ -1.8% YoY
Members
11,567
▼ -1.0% YoY
ROA (annualized)
1.43%
peers 0.69%
ROE (annualized)
9.74%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.7% | +3.9% | -7.6 pts |
| Share growth (YoY) | -5.3% | +3.3% | -8.6 pts |
| Loan growth (YoY) | -1.8% | +2.9% | -4.7 pts |
| ROA | 1.43% | 0.69% | +0.7 pts |
| ROE | 9.7% | 5.9% | +3.8 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
Profile
- Established
- 1937
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- P.O. Box 30207, Honolulu, HI, 96820
- NCUA charter #
- 2403
- RSSD ID
- 736671
- 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 | $105.4M | $87.7M | $71.5M | $15.5M | $377K | 1.43% | 5.00% | 0.24% | 11,567 |
| Q4 2025 | $104.1M | $87.0M | $73.2M | $15.1M | $1.5M | 1.49% | 4.73% | 0.40% | 11,643 |
| Q3 2025 | $108.1M | $91.3M | $73.2M | $14.3M | $772K | 0.95% | 4.44% | 0.34% | 11,670 |
| Q2 2025 | $107.5M | $90.9M | $73.4M | $14.1M | $497K | 0.93% | 4.38% | 0.28% | 11,673 |
| Q1 2025 | $109.5M | $92.6M | $72.8M | $13.8M | $269K | 0.98% | 4.16% | 0.19% | 11,679 |
| Q4 2024 | $105.2M | $89.5M | $73.9M | $13.6M | $672K | 0.64% | 3.76% | 0.43% | 11,724 |
| Q3 2024 | $104.1M | $88.1M | $68.2M | $13.1M | $188K | 0.24% | 3.77% | 0.38% | 11,844 |
| Q2 2024 | $105.8M | $89.7M | $67.9M | $13.0M | $107K | 0.20% | 3.66% | 0.41% | 11,843 |
Loan mix (Q1 2026): real estate $26.1M · commercial $346K · consumer $44.8M · securities $22.6M
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 | 1.43% | 0.69% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 5.9% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.00% | 3.62% | 97th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.1% | 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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