Hawaii First

Kamuela, HI · 1 · Charter #10938 · www.hawaiifirstfcu.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
$73.9M
25th percentile
Members
6,100
35th percentile
Total loans
$50.9M
41th percentile
Total shares
$55.7M
17th percentile

Profitability

Return on assets
1.49%
77th percentile
Net interest margin
4.46%
88th percentile
Efficiency ratio
63.07%
50th percentile
Non-interest income ratio
23.97%
80th percentile

Capital & Risk

Net worth ratio
9.26%
14th percentile
Delinquency rate
4.93%
1th percentile
Net charge-off rate
1.03%
11th percentile
Loan-to-share
91.41%
89th percentile

Growth

Member growth YoY
4.47%
92th percentile
Asset growth YoY
10.78%
90th percentile
Loan growth YoY
4.73%
70th percentile
Share growth YoY
15.92%
96th percentile

Operations

Members / branch
3,050
48th percentile
Assets / member
$12,117
30th percentile
Field of membership penetration
35.37%
83th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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