Hfs

HILO, HI · 1 · Charter #1829 · WWW.HFSFCU.ORG
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.1B
5th percentile
Members
55,513
7th percentile
Total loans
$464.0M
1th percentile
Total shares
$968.8M
13th percentile

Profitability

Return on assets
1.21%
65th percentile
Net interest margin
2.51%
14th percentile
Efficiency ratio
45.82%
74th percentile
Non-interest income ratio
19.18%
54th percentile

Capital & Risk

Net worth ratio
9.05%
14th percentile
Delinquency rate
1.42%
12th percentile
Net charge-off rate
0.38%
65th percentile
Loan-to-share
47.89%
2th percentile

Growth

Member growth YoY
3.04%
58th percentile
Asset growth YoY
15.75%
93th percentile
Loan growth YoY
8.01%
68th percentile
Share growth YoY
16.17%
93th percentile

Operations

Members / branch
9,252
67th percentile
Assets / member
$19,342
62th percentile
Field of membership penetration
26.46%
86th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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