Hawaii Central

Honolulu, HI · 1 · Charter #24839 · www.hawaiicentral.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$299.8M
15th percentile
Members
16,339
13th percentile
Total loans
$178.5M
13th percentile
Total shares
$266.8M
19th percentile

Profitability

Return on assets
0.64%
29th percentile
Net interest margin
2.32%
4th percentile
Efficiency ratio
54.37%
69th percentile
Non-interest income ratio
18.45%
46th percentile

Capital & Risk

Net worth ratio
9.91%
33th percentile
Delinquency rate
1.29%
17th percentile
Net charge-off rate
0.17%
80th percentile
Loan-to-share
66.93%
22th percentile

Growth

Member growth YoY
0.06%
44th percentile
Asset growth YoY
2.09%
25th percentile
Loan growth YoY
5.53%
57th percentile
Share growth YoY
5.55%
59th percentile

Operations

Members / branch
5,446
65th percentile
Assets / member
$18,348
67th percentile
Field of membership penetration
1.61%
23th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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