Hotel and Travel Industry

Honolulu, HI · 1 · Charter #9115 · www.htifcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$39.3M
89th percentile
Members
4,537
96th percentile
Total loans
$16.5M
82th percentile
Total shares
$36.4M
93th percentile

Profitability

Return on assets
0.40%
31th percentile
Net interest margin
2.97%
19th percentile
Efficiency ratio
68.60%
46th percentile
Non-interest income ratio
16.50%
74th percentile

Capital & Risk

Net worth ratio
9.04%
10th percentile
Delinquency rate
1.22%
36th percentile
Net charge-off rate
0.56%
29th percentile
Loan-to-share
45.39%
28th percentile

Growth

Member growth YoY
-1.39%
50th percentile
Asset growth YoY
-1.00%
36th percentile
Loan growth YoY
6.54%
83th percentile
Share growth YoY
0.72%
51th percentile

Operations

Members / branch
4,537
98th percentile
Assets / member
$8,658
45th percentile
Field of membership penetration
18.15%
31th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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