Big Island

HILO, HI · 1 · Charter #1607 · www.bigislandfcu.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
$188.3M
87th percentile
Members
9,581
66th percentile
Total loans
$41.9M
31th percentile
Total shares
$169.7M
89th percentile

Profitability

Return on assets
0.36%
11th percentile
Net interest margin
2.67%
9th percentile
Efficiency ratio
56.36%
69th percentile
Non-interest income ratio
13.70%
33th percentile

Capital & Risk

Net worth ratio
9.28%
15th percentile
Delinquency rate
0.54%
62th percentile
Net charge-off rate
1.60%
4th percentile
Loan-to-share
24.71%
2th percentile

Growth

Member growth YoY
-1.82%
36th percentile
Asset growth YoY
9.66%
87th percentile
Loan growth YoY
-11.76%
3th percentile
Share growth YoY
10.25%
88th percentile

Operations

Members / branch
3,194
52th percentile
Assets / member
$19,651
83th percentile
Field of membership penetration
4.72%
45th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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