Wailuku

KAHULUI, HI · 1 · Charter #9924 · www.wailukufcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$129.2M
63th percentile
Members
5,362
29th percentile
Total loans
$87.5M
69th percentile
Total shares
$112.9M
64th percentile

Profitability

Return on assets
1.58%
80th percentile
Net interest margin
3.35%
33th percentile
Efficiency ratio
39.17%
95th percentile
Non-interest income ratio
9.04%
12th percentile

Capital & Risk

Net worth ratio
12.25%
51th percentile
Delinquency rate
0.42%
71th percentile
Net charge-off rate
0.14%
78th percentile
Loan-to-share
77.50%
66th percentile

Growth

Member growth YoY
1.40%
74th percentile
Asset growth YoY
9.59%
86th percentile
Loan growth YoY
4.79%
70th percentile
Share growth YoY
12.17%
92th percentile

Operations

Members / branch
5,362
86th percentile
Assets / member
$24,103
92th percentile
Field of membership penetration
12.52%
63th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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