Hawaii State Federal Credit Union
Honolulu, HI·Charter 1718·cu:1718·CCULR opted in
- #1 of 45Total assets in Hawaii
- Top 4%Total assets in the U.S.
- 140Kmembers
- Top 4%Margin improvement in the U.S.
- Top 5%Return on assets vs. peers
- #4 of 28Loan growth in Hawaii
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Hawaii State Federal Credit Union
4 of 23 FORFI signals stand out against 309 similar credit unions, based on NCUA data for the quarter.
Efficiency ratio falling faster than peersStrength: Efficiency59.3%peers 72.3%-13.0 pp
Hawaii State Federal Credit Union's efficiency ratio fell 15.3 percentage points over the past year to 59.3%. Among 307 similar credit unions, the median fell 1.2 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 59.3% | 72.3% | -13.0 pp |
| 12-month change | ||
| -15.3 pp | -1.2 pp | -14.1 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 309 credit unions with $1 billion to $3 billion in assets that filed NCUA data for the same quarter. Hawaii State Federal Credit Union itself is left out of every peer median and percentile. How signals work
Net interest margin widening faster than peersStrength: Earnings 2nd quarter3.65%peers 3.54%+11 bps
Hawaii State Federal Credit Union's net interest margin on average assets rose 54 bps over the past year to 3.65%. Among 307 similar credit unions, the median rose 15 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin on average assets | ||
| 3.65% | 3.54% | +11 bps |
| 12-month change | ||
| +54 bps | +15 bps | +39 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 309 credit unions with $1 billion to $3 billion in assets that filed NCUA data for the same quarter. Hawaii State Federal Credit Union itself is left out of every peer median and percentile. How signals work
Delinquent loans falling while the peer median risesStrength: Asset quality 2nd quarter1.07%peers 0.69%+38 bps
Hawaii State Federal Credit Union's loans 60+ days delinquent as a share of loans fell 36 bps over the past year to 1.07%. Among 307 similar credit unions, the median rose 4 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Loans 60+ days delinquent as a share of loans | ||
| 1.07% | 0.69% | +38 bps |
| 12-month change | ||
| -36 bps | +4 bps | -40 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 309 credit unions with $1 billion to $3 billion in assets that filed NCUA data for the same quarter. Hawaii State Federal Credit Union itself is left out of every peer median and percentile. How signals work
1 more observation
- Return on assets rising faster than peersEarnings
Key facts
- Hawaii State Federal Credit Union is a federally chartered credit union headquartered in Honolulu, Hawaii. It reported $2.9 billion in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $2.5 billion, down 1.3% from a year earlier, and loans totaled $1.5 billion, up 9.5%.
- Its net interest margin on average assets was 3.65% and its annualized return on assets was 1.87% for the quarter.
- Its cost of all shares and deposits was 1.17%, compared with a median of 1.67% among 309 similar credit unions with $1 billion to $3 billion in assets.
- It served 139,996 members, up 2.1% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Hawaii State Federal Credit Union's own data, FORFI would look at: Where revenue per relationship falls short of the cost to serve it.
Analysis workspaces
Sources and identifiers
- Institution
- Hawaii State Federal Credit Union · Credit union
- NCUA charter
- 1718
- Reporting period
- Peer group
- 309 credit unions with $1 billion to $3 billion in assets that filed NCUA data for the same quarter. Hawaii State Federal Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $13.35M | |
| $34.29M | |
| $8.17M | |
| $26.13M | |
| $8.44M | |
| $20.51M | |
| $741.17K | |
| $718.21K | |
| 1.87% | |
| 3.65% | |
| 59.32% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.