PackageTrendsPeer
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Kahului

Kahului, HI · Charter 10399

NCUA · 1 branch

Q2 2026

$78.8MAssets
$26.9MLoans
$66.9MShares
$11.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.25%, down 7 bps year over year; NIM at 2.57%.
  • Asset quality: problem loans at 0.13% of loans (-125 bps YoY).
  • Capital: net worth / assets of 13.90%, up 21 bps from a year ago.
  • Funding: loans stand at 40.19% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.25%-7 bps YoY

Net Interest Margin (YTD, annualized)

2.57%+14 bps YoY

Efficiency Ratio (YTD, annualized)

91.47%+1,605 bps YoY

Net Worth / Assets

13.90%+21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.32%0.45%0.46%0.31%0.25%-7 bps
Return on Equity2.36%3.27%3.38%2.23%1.81%-55 bps
Net Interest Margin2.43%2.45%2.40%2.52%2.57%+14 bps
Efficiency Ratio75.42%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 / Loans1.38%0.09%0.09%0.06%0.13%-125 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.69%13.81%13.66%13.76%13.90%+21 bps
Net Worth / Assets13.69%13.81%13.66%13.76%13.90%+21 bps
Liquidity & Funding
Loans / Shares42.01%41.66%40.61%40.60%40.19%-182 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps