Waialua

Waialua, HI · 1 · Charter #2049 · www.waialuafcu.com
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
$46.7M
97th percentile
Members
2,973
84th percentile
Total loans
$18.8M
87th percentile
Total shares
$38.4M
96th percentile

Profitability

Return on assets
0.40%
31th percentile
Net interest margin
2.64%
11th percentile
Efficiency ratio
63.55%
57th percentile
Non-interest income ratio
2.18%
20th percentile

Capital & Risk

Net worth ratio
17.70%
65th percentile
Delinquency rate
0.14%
75th percentile
Net charge-off rate
0.25%
47th percentile
Loan-to-share
49.03%
33th percentile

Growth

Member growth YoY
-1.20%
52th percentile
Asset growth YoY
-1.11%
35th percentile
Loan growth YoY
0.26%
63th percentile
Share growth YoY
-1.96%
35th percentile

Operations

Members / branch
2,973
92th percentile
Assets / member
$15,693
87th percentile
Field of membership penetration
24.77%
38th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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