Pepeekeo, Hawaii · Peer group 3
Hamakua Credit Union
Hamakua Credit Union holds $21.9M in assets across 1,784 members as of Q1 2026 — about $12K of assets per member, on a charter dating to 1937. Charter number 2280, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $21.9M |
|---|---|
| Total loans | $9.4M |
| Total shares (deposits) | $18.4M |
| Net worth | $3.3M |
| Members | 1,784 |
| Assets per member | $12K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 11.7% | |
|---|---|---|
| Loans | -2.9% | around the 47th percentile of its peer group |
| Deposits | 14.8% | higher than 98% of its peer group |
| Members | 2.1% | around the 85th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 51.3% | around the 40th percentile of its peer group |
|---|---|---|
| Net worth ratio | 15.3% | around the 62nd percentile of its peer group |
| Return on assets | 2.06% | higher than 95% of its peer group |
| Delinquency ratio | 0.89% | around the 64th percentile of its peer group |
| Cash / assets | 13.0% | around the 59th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Hamakua Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Hawaii — the comparison set a peer ratio is measured against.
- Onomea Credit Union
PAPAIKOU, HI
$26.8M · 1,849 members
- Ewa Credit Union
Ewa Beach, HI
$13.2M · 1,558 members
- Local Union 1186 IBEW Credit Union
HONOLULU, HI
$12.7M · 1,041 members
- Schofield Credit Union
WAHIAWA, HI
$34.5M · 1,985 members
- Kahuku Credit Union
Kahuku, HI
$8.0M · 2,105 members
- Hawaiian Electric Employees Credit Union
Honolulu, HI
$36.0M · 1,838 members
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