Hawaii County Employees
Hilo, HI · Charter 1784 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$148.0MAssets
$45.6MLoans
$124.7MShares
$22.5MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 88% of credit unions under $1B in assets (rank 200 of 1682).
- Widest gap: net interest margin trails 83% of credit unions under $1B in assets (rank 1404 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.36%
Rank 311 of 1,683
Net Interest Margin
3.08%
Rank 1,404 of 1,683
Efficiency Ratio
60.86%
Rank 200 of 1,682
Equity / Assets
15.17%
Rank 537 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.36% | 0.35% | 0.74% | 1.18% | Beats 82% | 311 / 1,683 | |
| Return on Equity | 8.97% | 2.67% | 5.89% | 8.74% | Beats 77% | 394 / 1,681 | |
| Net Interest Margin | 3.08% | 3.31% | 3.82% | 4.32% | Beats 17% | 1,404 / 1,683 | |
| Efficiency Ratio | 60.86% | 68.91% | 78.20% | 86.93% | Beats 88% | 200 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.21% | 0.26% | 0.65% | 1.29% | Beats 79% | 349 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.17% | 10.44% | 12.89% | 16.53% | Beats 68% | 537 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.17% | 10.44% | 12.89% | 16.53% | Beats 68% | 537 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 36.57% | 52.61% | 69.38% | 83.50% | 8th pctl | 1,540 / 1,683 | |
| Loans / Assets | 30.81% | 44.71% | 59.18% | 70.72% | 9th pctl | 1,538 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |