Hamakua
Pepeekeo, HI · Charter 2280 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$23.4MAssets
$9.5MLoans
$19.9MShares
$3.4MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 83% of credit unions under $1B in assets (rank 282 of 1683).
- Widest gap: efficiency ratio trails 39% of credit unions under $1B in assets (rank 650 of 1682).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.43%
Rank 282 of 1,683
Net Interest Margin
4.10%
Rank 592 of 1,683
Efficiency Ratio
74.30%
Rank 650 of 1,682
Equity / Assets
14.53%
Rank 597 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.43% | 0.35% | 0.74% | 1.18% | Beats 83% | 282 / 1,683 | | |
| Return on Equity | 9.83% | 2.67% | 5.89% | 8.74% | Beats 82% | 300 / 1,681 | | |
| Net Interest Margin | 4.10% | 3.31% | 3.82% | 4.32% | Beats 65% | 592 / 1,683 | | |
| Efficiency Ratio | 74.30% | 68.91% | 78.20% | 86.93% | Beats 61% | 650 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.38% | 0.26% | 0.65% | 1.29% | Beats 67% | 550 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.53% | 10.44% | 12.89% | 16.53% | Beats 65% | 597 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.53% | 10.44% | 12.89% | 16.53% | Beats 65% | 597 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 47.95% | 52.61% | 69.38% | 83.50% | 19th pctl | 1,355 / 1,683 | | |
| Loans / Assets | 40.69% | 44.71% | 59.18% | 70.72% | 20th pctl | 1,343 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |