Industry Rankings

CU Wrapped 2025

Credit Union Leaderboards

See who's leading and who's falling behind across the credit union industry

Tier:

All Community Mid-Market Large Titans

State:

Active filters: HI × Clear all

Most Strengths

All tiers in HI

Rank	Credit Union
1	UNIVERSITY OF HAWAII Community Honolulu, HI
2	GATHER Community Lihue, HI
3	LANAI Lanai City, HI
4	HAWAII STATE Mid-Market Honolulu, HI
5	WAILUKU Community KAHULUI, HI
6	HAWAIIUSA Mid-Market Honolulu, HI
7	PEARL HAWAII Community WAIPAHU, HI
8	CU HAWAII Community Hilo, HI
9	HELCO HILO, HI
10	HFS Mid-Market HILO, HI
11	MAUI COUNTY Community Wailuku, HI
12	MAUI KAHULUI, HI
13	HAWAII COUNTY EMPLOYEES Community Hilo, HI
14	KAUAI OHANA Lihue, HI
15	HAWAIIAN FINANCIAL Mid-Market Honolulu, HI
16	HAWAII CENTRAL Community Honolulu, HI
17	HONOLULU Community Honolulu, HI
18	MAUI TEACHERS Wailuku, HI
19	ONOMEA PAPAIKOU, HI
20	EWA Ewa Beach, HI
21	WAIALUA Waialua, HI
22	ALOHA PACIFIC Mid-Market Honolulu, HI
23	KO`OLAU Community KAILUA, HI
24	HAWAII Community Honolulu, HI
25	HONOLULU FIRE DEPARTMENT Honolulu, HI

Most Concerns

All tiers in HI

Rank	Credit Union
1	MOLOKAI COMMUNITY Kaunakakai, HI
2	KAHUKU Kahuku, HI
3	PLUMBERS & FITTERS LOCAL 675 Honolulu, HI
4	GLOVER Honolulu, HI
5	SCHOFIELD WAHIAWA, HI
6	HAWAIIAN ELECTRIC EMPLOYEES Honolulu, HI
7	HOTEL AND TRAVEL INDUSTRY Honolulu, HI
8	KAUAI Community Lihue, HI
9	HAWAII COMMUNITY Community Kailua Kona, HI
10	MCBRYDE Community Eleele, HI
11	LOCAL UNION 1186 IBEW HONOLULU, HI
12	VALLEY ISLE COMMUNITY Community Kahului, HI
13	KAHULUI KAHULUI, HI
14	HAWAII FIRST Kamuela, HI
15	HAWAII LAW ENFORCEMENT Community Honolulu, HI
16	HAMAKUA Pepeekeo, HI
17	LOKAHI Community Honolulu, HI
18	HONOLULU FIRE DEPARTMENT Honolulu, HI
19	GARDEN ISLAND Community Lihue, HI
20	ALOHA PACIFIC Mid-Market Honolulu, HI
21	BIG ISLAND Community HILO, HI
22	HAWAII SCHOOLS Honolulu, HI
23	KO`OLAU Community KAILUA, HI
24	HAWAII Community Honolulu, HI
25	EWA Ewa Beach, HI

Explore by Dimension

Signatures

Growth & Performance

Credit Quality Leader Emerging Performer Organic Growth Engine Organic Growth Leader Profitability Leader Relationship Depth Leader Wallet Share Momentum

Risk & Quality

Capital Constraint Cost Spiral Credit Quality Pressure Credit Risk Growth Efficiency Drag Flatlined Growth Indirect Auto Dependency Liquidity Overhang Liquidity Strain Stagnation Risk

Decline Indicators

Accelerating Exit Risk Deposit Outflow Institutional Decline Margin Compression Membership Headwinds Shrinking Wallet Share Wealth Migration Risk

Metrics

Growth

Asset Growth (YoY) (Absolute) Average Member Relationship Growth (YoY) (Absolute) Deposit Growth (YoY) (Absolute) Loan Growth (YoY) (Absolute) Member Growth (YoY) (Absolute)

Profitability

Efficiency Ratio (Absolute) Efficiency Ratio (QoQ Change) Efficiency Ratio (YoY Change) Fee Income Per Member (Absolute) Fee Income Per Member (QoQ Change) Fee Income Per Member (YoY Change) Net Interest Margin (NIM) (Absolute) Net Interest Margin (NIM) (QoQ Change) Net Interest Margin (NIM) (YoY Change) Return on Assets (ROA) (Absolute) Return on Assets (ROA) (QoQ Change) Return on Assets (ROA) (YoY Change)

Member Engagement

Average Member Relationship (AMR) (Absolute) Average Member Relationship (AMR) (QoQ Change) Average Member Relationship (AMR) (YoY Change) Loan-to-Member Ratio (LMR) (Absolute) Loan-to-Member Ratio (LMR) (QoQ Change) Loan-to-Member Ratio (LMR) (YoY Change) Members Per Employee (MPE) (Absolute) Members Per Employee (MPE) (QoQ Change) Members Per Employee (MPE) (YoY Change) Total Members (Absolute) Total Members (QoQ Change) Total Members (YoY Change)

Balance Sheet

First Mortgage Concentration (%) (Absolute) First Mortgage Concentration (%) (QoQ Change) First Mortgage Concentration (%) (YoY Change) Indirect Auto Concentration (%) (Absolute) Indirect Auto Concentration (%) (QoQ Change) Indirect Auto Concentration (%) (YoY Change) Loan-to-Share Ratio (Absolute) Loan-to-Share Ratio (QoQ Change) Loan-to-Share Ratio (YoY Change) Share Certificate Concentration (%) (Absolute) Share Certificate Concentration (%) (QoQ Change) Share Certificate Concentration (%) (YoY Change) Total Assets (Absolute) Total Assets (QoQ Change) Total Assets (YoY Change) Total Deposits (Absolute) Total Deposits (QoQ Change) Total Deposits (YoY Change) Total Loans (Absolute) Total Loans (QoQ Change) Total Loans (YoY Change)

Risk

Net Charge-Off Rate (Absolute) Net Charge-Off Rate (QoQ Change) Net Charge-Off Rate (YoY Change) Net Worth Ratio (Absolute) Net Worth Ratio (QoQ Change) Net Worth Ratio (YoY Change) Total Delinquency Rate (60+ days) (Absolute) Total Delinquency Rate (60+ days) (QoQ Change) Total Delinquency Rate (60+ days) (YoY Change)