Hawaiiusa Federal Credit Union
Total assets
$2.67B
▲ +1.9% YoY
Shares & deposits
$2.36B
▲ +1.0% YoY
Loans
$1.53B
▲ +7.3% YoY
Members
130,552
▼ -0.7% YoY
ROA (annualized)
0.78%
peers 0.71%
ROE (annualized)
7.53%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +5.1% | -3.2 pts |
| Share growth (YoY) | +1.0% | +4.9% | -3.9 pts |
| Loan growth (YoY) | +7.3% | +5.4% | +1.9 pts |
| ROA | 0.78% | 0.71% | +0.1 pts |
| ROE | 7.5% | 6.3% | +1.3 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
Profile
- Established
- 1936
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 1226 College Walk, Honolulu, HI, 96817
- NCUA charter #
- 1815
- RSSD ID
- 269777
- 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 | $2.67B | $2.36B | $1.53B | $277.4M | $5.2M | 0.78% | 2.88% | 0.30% | 130,552 |
| Q4 2025 | $2.64B | $2.33B | $1.51B | $272.2M | $14.3M | 0.54% | 2.79% | 0.47% | 130,226 |
| Q3 2025 | $2.62B | $2.32B | $1.48B | $270.1M | $9.9M | 0.51% | 2.77% | 0.46% | 131,882 |
| Q2 2025 | $2.61B | $2.32B | $1.45B | $266.9M | $6.7M | 0.52% | 2.71% | 0.56% | 131,712 |
| Q1 2025 | $2.62B | $2.34B | $1.43B | $261.1M | $873K | 0.13% | 2.58% | 0.71% | 131,485 |
| Q4 2024 | $2.58B | $2.29B | $1.42B | $260.2M | $4.0M | 0.15% | 2.62% | 0.54% | 131,142 |
| Q3 2024 | $2.56B | $2.26B | $1.41B | $261.4M | $2.8M | 0.15% | 2.66% | 0.34% | 132,875 |
| Q2 2024 | $2.49B | $2.22B | $1.41B | $260.6M | $1.7M | 0.14% | 2.75% | 0.38% | 132,724 |
Loan mix (Q1 2026): real estate $1.07B · commercial $258.3M · consumer $194.9M · securities $741.9M
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 | 0.78% | 0.71% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 6.3% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.88% | 3.32% | 21th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.6% | 73.0% | 71th | |
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.
Similar credit unions
- Hawaii State Federal Credit UnionHonolulu, HI · $2.88B
- Magnifi Financial Credit UnionMelrose, MN · $2.67B
- Altura Federal Credit UnionRiverside, CA · $2.67B
- Credit Union Of Colorado, A Federal Credit UnionDenver, CO · $2.66B
- Ttcu Federal Credit UnionTulsa, OK · $2.70B
- Jsc Federal Credit UnionHouston, TX · $2.65B
Selling to Hawaiiusa Federal Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.