Hawaiian Electric Employees

Honolulu, HI · 1 · Charter #1869 · www.hecoefcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$35.2M
84th percentile
Members
1,842
62th percentile
Total loans
$16.6M
82th percentile
Total shares
$25.4M
77th percentile

Profitability

Return on assets
0.74%
46th percentile
Net interest margin
3.17%
24th percentile
Efficiency ratio
63.39%
57th percentile
Non-interest income ratio
6.06%
37th percentile

Capital & Risk

Net worth ratio
18.87%
70th percentile
Delinquency rate
1.17%
37th percentile
Net charge-off rate
0.01%
73th percentile
Loan-to-share
65.41%
57th percentile

Growth

Member growth YoY
-1.29%
51th percentile
Asset growth YoY
4.14%
69th percentile
Loan growth YoY
-1.00%
59th percentile
Share growth YoY
1.72%
57th percentile

Operations

Members / branch
921
43th percentile
Assets / member
$19,112
95th percentile
Field of membership penetration
33.49%
47th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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