NAICS 52

Finance and Insurance in Kahului-Wailuku, HI

Metro Market Score 37.8 (Moderate), ranked #87 of 331 metros. 206 establishments, 764 jobs.

Metro Market Score 37.8

Favorable 0-35

Moderate 35-48

Challenging 48-60

Difficult 60+

Moderate

ⓘ Lower is better. Relative to national finance and insurance average.

Kahului-Wailuku's finance and insurance market sits near the national metro median, ranking #87 of 331 with a market score of 37.8. No single metric stands out as an outlier, which means entry conditions depend more on your specific business model than on broad market forces.

Industry Concentration

1.2

LQ: 0.26

Rank #4 of 331 metros

Wage Competitiveness

34.4

$81,676 avg wage

Growth Trend

↓ 31.1

Employment growth index

Rank #229 of 331 metros

Wage Pressure

40.9

YoY wage change index

206 Finance and Insurance Firms in Kahului-Wailuku

206

Establishments

-1.0% YoY

764

Total Employment

-2.8% YoY

$81,676

Average Annual Wage

+4.2% YoY

0.26

Location Quotient

Below national avg

Within Hawaii

#1 of 2

finance and insurance metros in state

Hawaii state rank

#1 of 51

for finance and insurance entry risk

vs State Median

-21.7

better than median (59.5)

Kahului-Wailuku vs Hawaii Statewide

How this metro's finance and insurance market compares to Hawaii overall. The state ranks #1/51 for entry risk.

Measure	Kahului-Wailuku	HI Statewide
Overall Score	37.8 Moderate	37.0 Moderate
Score Type	Metro Market Score	Entry Risk Score
Rank	#87 of 331 metros	#1 of 51 states

Metro and state scores use different methodologies (metro has 4 QCEW-based metrics; state adds BDS survival and momentum data). Direct score comparisons are approximate.

Other Industries in Kahului-Wailuku

Professional, Scientific, and Technical Services 33.8 Administrative and Support Services 53.8 Healthcare and Social Assistance 54.3 Information 67.4 Construction 68.1 Real Estate and Rental and Leasing 69.7 Retail Trade 79.9 Other Services 80.2 Accommodation and Food Services 90.7

Finance and Insurance in Other Hawaii Metros

Urban Honolulu 59.5 #244/331

Finance and Insurance Metros With Similar Conditions

Metros within 5 points of Kahului-Wailuku's 37.8 score. Useful when comparing markets with comparable entry profiles.

College Station-Bryan, TX 37.7 #86/331 Amherst Town-Northampton, MA 37.8 #88/331 Hattiesburg, MS 37.8 #89/331 Houma-Bayou Cane-Thibodaux, LA 37.5 #85/331 Grand Forks, ND 38.1 #90/331 Wichita, KS 38.1 #91/331 Albany, OR 37.1 #84/331 Staunton-Stuarts Draft, VA 37.1 #83/331 Racine-Mount Pleasant, WI 38.5 #92/331 Corpus Christi, TX 38.5 #93/331

Browse Finance and Insurance in Other States

State-level entry risk reports for finance and insurance across all 51 markets, sorted by rank.

About Metro Market Score: A weighted composite of industry concentration (25%), wage competitiveness (25%), wage pressure (20%), and employment growth trend (30%). Lower scores indicate more favorable conditions. For Kahului-Wailuku's finance and insurance sector, the employment growth component (68.9) has the strongest pull on the composite. Metro scores use QCEW data only (no BDS survival data at metro level). Read full methodology →

Data Sources

Quarterly Census of Employment and Wages (QCEW), Bureau of Labor Statistics. MSA-level establishment counts, employment, wages, and location quotients for the Kahului-Wailuku, HI MSA area.

Data period: 2024. Last updated: April 2026.

Metro Market Assessment