Lokahi Federal Credit Union
Total assets
$709.3M
▲ +4.6% YoY
Shares & deposits
$626.4M
▲ +2.2% YoY
Loans
$382.6M
▲ +1.8% YoY
Members
45,557
▼ -2.8% YoY
ROA (annualized)
0.23%
peers 0.62%
ROE (annualized)
2.45%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +4.8% | -0.1 pts |
| Share growth (YoY) | +2.2% | +4.3% | -2.1 pts |
| Loan growth (YoY) | +1.8% | +4.3% | -2.5 pts |
| ROA | 0.23% | 0.62% | -0.4 pts |
| ROE | 2.4% | 5.9% | -3.5 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
Profile
- Established
- 1936
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- P.O. Box 30025, Honolulu, HI, 96820
- NCUA charter #
- 1733
- RSSD ID
- 253271
- 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 | $709.3M | $626.4M | $382.6M | $66.0M | $404K | 0.23% | 2.59% | 0.31% | 45,557 |
| Q4 2025 | $698.9M | $615.5M | $383.6M | $65.6M | $2.2M | 0.32% | 2.43% | 0.51% | 45,797 |
| Q3 2025 | $688.7M | $597.0M | $394.2M | $65.4M | $1.9M | 0.36% | 2.38% | 0.47% | 45,910 |
| Q2 2025 | $699.7M | $611.6M | $391.1M | $64.9M | $1.3M | 0.38% | 2.20% | 0.52% | 46,616 |
| Q1 2025 | $677.9M | $613.1M | $375.8M | $64.3M | $764K | 0.45% | 2.13% | 0.51% | 46,892 |
| Q4 2024 | $673.7M | $595.2M | $375.6M | $63.6M | $-532K | -0.08% | 2.21% | 0.55% | 47,025 |
| Q3 2024 | $672.5M | $582.1M | $382.2M | $63.8M | $-494K | -0.10% | 2.20% | 0.45% | 47,266 |
| Q2 2024 | $664.9M | $583.6M | $391.0M | $63.8M | $-571K | -0.17% | 2.21% | 0.41% | 47,740 |
Loan mix (Q1 2026): real estate $284.0M · commercial $33.0M · consumer $63.9M · securities $242.5M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.62% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 5.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.59% | 3.48% | 5th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.1% | 78.3% | 92th | |
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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