| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.4% | +5.3% | +4.1 pts |
| Share growth (YoY) | +9.3% | +5.1% | +4.1 pts |
| Loan growth (YoY) | +8.5% | +5.7% | +2.8 pts |
| ROA | 0.96% | 0.80% | +0.2 pts |
| ROE | 10.3% | 7.4% | +3.0 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.10B | $987.9M | $482.1M | $102.4M | $5.3M | 0.96% | 2.85% | 1.41% | 56,409 |
| Q1 2026 | $1.10B | $992.1M | $468.2M | $99.3M | $2.2M | 0.78% | 2.74% | 1.09% | 55,975 |
| Q4 2025 | $1.07B | $969.0M | $464.0M | $97.1M | $11.4M | 1.06% | 2.51% | 1.42% | 55,513 |
| Q3 2025 | $1.03B | $928.0M | $457.4M | $94.8M | $8.8M | 1.13% | 2.55% | 1.38% | 55,316 |
| Q2 2025 | $1.00B | $904.2M | $444.2M | $91.2M | $5.2M | 1.04% | 2.53% | 1.27% | 54,744 |
| Q1 2025 | $974.8M | $877.4M | $436.7M | $88.2M | $2.2M | 0.89% | 2.51% | 0.71% | 54,297 |
| Q4 2024 | $927.6M | $834.1M | $429.6M | $86.0M | $7.3M | 0.78% | 2.53% | 1.24% | 53,875 |
| Q3 2024 | $901.7M | $809.8M | $415.3M | $83.6M | $4.6M | 0.68% | 2.58% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Hfs Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 0.80% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 7.4% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.85% | 3.38% |
Peer lists, growth filters, CSV export, CRM push.
| 0.99% |
| 53,684 |
| Q2 2024 | $889.0M | $796.1M | $402.3M | $82.1M | $3.1M | 0.71% | 2.58% | 0.88% | 53,233 |
Loan mix (Q2 2026): real estate $294.2M · commercial $184K · consumer $182.4M · securities $373.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.3% | 71.9% | 28th |
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% |
| Ratio | Hfs Federal Credit Union | 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% |
| Ratio | Hfs Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Hfs Federal Credit Union | 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% |
| Ratio | Hfs Federal Credit Union | 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% |
| Ratio | Hfs Federal Credit Union | 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% |
The full ratio pack is part of CharterBench Pro.
6 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Hawaii, HI, ranked 3rd with 13.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hawaii, HI | 6 | $987.9M* | 13.58% | 3rd |
Hawaii: 12th with 1.31% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6 · 2026 6