Hawaii State Federal Credit Union
Total assets
$2.88B
▲ +2.6% YoY
Shares & deposits
$2.57B
▲ +1.4% YoY
Loans
$1.48B
▲ +8.1% YoY
Members
138,998
▲ +2.3% YoY
ROA (annualized)
1.27%
peers 0.71%
ROE (annualized)
13.43%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +5.1% | -2.5 pts |
| Share growth (YoY) | +1.4% | +4.9% | -3.4 pts |
| Loan growth (YoY) | +8.1% | +5.4% | +2.7 pts |
| ROA | 1.27% | 0.71% | +0.6 pts |
| ROE | 13.4% | 6.3% | +7.2 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
Profile
- Established
- 1936
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 333 Queen St, Honolulu, HI, 96813
- NCUA charter #
- 1718
- RSSD ID
- 249377
- 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 | $2.88B | $2.57B | $1.48B | $271.6M | $9.1M | 1.27% | 3.50% | 1.06% | 138,998 |
| Q4 2025 | $2.86B | $2.56B | $1.47B | $262.5M | $26.3M | 0.92% | 3.13% | 1.24% | 138,321 |
| Q3 2025 | $2.83B | $2.54B | $1.43B | $258.1M | $21.3M | 1.00% | 3.06% | 1.35% | 138,286 |
| Q2 2025 | $2.85B | $2.57B | $1.38B | $249.2M | $12.4M | 0.87% | 2.91% | 1.43% | 137,160 |
| Q1 2025 | $2.80B | $2.54B | $1.37B | $242.8M | $6.0M | 0.85% | 2.78% | 1.48% | 135,930 |
| Q4 2024 | $2.70B | $2.40B | $1.35B | $229.2M | $18.4M | 0.68% | 2.55% | 1.47% | 132,291 |
| Q3 2024 | $2.42B | $2.17B | $1.33B | $229.6M | $18.1M | 1.00% | 2.81% | 1.55% | 132,192 |
| Q2 2024 | $2.40B | $2.18B | $1.29B | $224.3M | $12.9M | 1.07% | 2.78% | 1.47% | 129,059 |
Loan mix (Q1 2026): real estate $883.6M · commercial $327.4M · consumer $254.0M · securities $885.1M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 0.71% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 6.3% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.32% | 61th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.3% | 73.0% | 33th | |
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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