Kahului, HI · Charter 10399
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
59
Asset Quality
84
Profitability
15
Liquidity
5
Efficiency
15
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Kahului, HI · Charter 10399
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.32% | 0.45% | 0.46% | 0.31% | 0.25% | -7 bps | |
| Return on Equity | 2.36% | 3.27% | 3.38% | 2.23% | 1.81% | -55 bps | |
| Net Interest Margin | 2.43% | 2.45% | 2.40% | 2.52% | 2.57% | +14 bps | |
| Efficiency Ratio | 75.42% | 73.84% | 76.05% | 89.30% | 91.47% | +1,605 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.58% | 5.32% | 8.00% | 4.80% | 1.37% | -421 bps | |
| Loan Growth (YoY) | 6.49% | 3.79% | 1.11% | -0.12% | -3.83% | -1,032 bps | |
| Share Growth (YoY) | 5.84% | 5.46% | 8.50% | 5.09% | 0.52% | -532 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.38% | 0.09% | 0.09% | 0.06% | 0.13% | -125 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.69% | 13.81% | 13.66% | 13.76% | 13.90% | +21 bps | |
| Net Worth / Assets | 13.69% | 13.81% | 13.66% | 13.76% | 13.90% | +21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.01% | 41.66% | 40.61% | 40.60% | 40.19% | -182 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kahului, HI · Charter 10399 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.25%
Rank 1,348 of 1,683
Net Interest Margin
2.57%
Rank 1,607 of 1,683
Efficiency Ratio
91.47%
Rank 1,425 of 1,682
Equity / Assets
13.90%
Rank 689 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | 0.35% | 0.74% | 1.18% | Beats 20% | 1,348 / 1,683 | |
| Return on Equity | 1.81% | 2.67% | 5.89% | 8.74% | Beats 19% | 1,361 / 1,681 | |
| Net Interest Margin | 2.57% | 3.31% | 3.82% | 4.32% | Beats 5% | 1,607 / 1,683 | |
| Efficiency Ratio | 91.47% | 68.91% | 78.20% | 86.93% | Beats 15% | 1,425 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.13% | 0.26% | 0.65% | 1.29% | Beats 84% | 264 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.90% | 10.44% | 12.89% | 16.53% | Beats 59% | 689 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.90% | 10.44% | 12.89% | 16.53% | Beats 59% | 689 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 40.19% | 52.61% | 69.38% | 83.50% | 11th pctl | 1,495 / 1,683 | |
| Loans / Assets | 34.12% | 44.71% | 59.18% | 70.72% | 12th pctl | 1,484 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||