Hamakua

Pepeekeo, HI · 1 · Charter #2280 · www.hamakuafcu.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
$21.3M
64th percentile
Members
1,783
60th percentile
Total loans
$9.6M
64th percentile
Total shares
$17.7M
64th percentile

Profitability

Return on assets
1.77%
86th percentile
Net interest margin
4.52%
70th percentile
Efficiency ratio
62.99%
58th percentile
Non-interest income ratio
12.35%
61th percentile

Capital & Risk

Net worth ratio
15.20%
52th percentile
Delinquency rate
2.80%
17th percentile
Net charge-off rate
1.15%
14th percentile
Loan-to-share
54.04%
41th percentile

Growth

Member growth YoY
2.47%
87th percentile
Asset growth YoY
13.62%
96th percentile
Loan growth YoY
0.53%
65th percentile
Share growth YoY
13.88%
95th percentile

Operations

Members / branch
1,783
73th percentile
Assets / member
$11,919
70th percentile
Field of membership penetration
0.85%
6th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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