Hawaii First
Kamuela, HI · Charter 10938 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$73.4MAssets
$48.4MLoans
$63.2MShares
$7.2MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 86% of credit unions under $1B in assets (rank 244 of 1683).
- Widest gap: nonperforming loans / loans trails 94% of credit unions under $1B in assets (rank 1590 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.90%
Rank 680 of 1,683
Net Interest Margin
4.72%
Rank 244 of 1,683
Efficiency Ratio
76.34%
Rank 743 of 1,682
Equity / Assets
9.78%
Rank 1,381 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.90% | 0.35% | 0.74% | 1.18% | Beats 60% | 680 / 1,683 | |
| Return on Equity | 9.23% | 2.67% | 5.89% | 8.74% | Beats 78% | 363 / 1,681 | |
| Net Interest Margin | 4.72% | 3.31% | 3.82% | 4.32% | Beats 86% | 244 / 1,683 | |
| Efficiency Ratio | 76.34% | 68.91% | 78.20% | 86.93% | Beats 56% | 743 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.68% | 0.26% | 0.65% | 1.29% | Beats 6% | 1,590 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.78% | 10.44% | 12.89% | 16.53% | Beats 18% | 1,381 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.78% | 10.44% | 12.89% | 16.53% | Beats 18% | 1,381 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 76.59% | 52.61% | 69.38% | 83.50% | 63rd pctl | 626 / 1,683 | |
| Loans / Assets | 65.99% | 44.71% | 59.18% | 70.72% | 64th pctl | 602 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |