Hawaii State

Honolulu, HI · 1 · Charter #1718 · www.hawaiistatefcu.com
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$2.9B
66th percentile
Members
138,321
58th percentile
Total loans
$1.5B
49th percentile
Total shares
$2.6B
69th percentile

Profitability

Return on assets
1.05%
53th percentile
Net interest margin
3.13%
44th percentile
Efficiency ratio
55.73%
31th percentile
Non-interest income ratio
16.79%
38th percentile

Capital & Risk

Net worth ratio
9.17%
15th percentile
Delinquency rate
1.24%
17th percentile
Net charge-off rate
0.14%
92th percentile
Loan-to-share
57.28%
4th percentile

Growth

Member growth YoY
4.56%
73th percentile
Asset growth YoY
5.81%
52th percentile
Loan growth YoY
8.42%
70th percentile
Share growth YoY
6.62%
62th percentile

Operations

Members / branch
9,221
67th percentile
Assets / member
$20,687
71th percentile
Field of membership penetration
22.73%
83th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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