Kahului, HI · Charter 10399
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.77% | 0.49% | 0.32% | 0.45% | 0.46% | 0.31% | 0.25% | -7 bps | |
| Return on Equity | 5.88% | 5.40% | 3.49% | 2.36% | 3.27% | 3.38% | 2.23% | 1.81% | -55 bps | |
| Net Interest Margin | 2.69% | 2.68% | 2.44% | 2.43% | 2.45% | 2.40% | 2.52% | 2.57% | +14 bps | |
| Efficiency Ratio | 70.81% | 72.06% | 75.34% | 75.42% | 73.84% | 76.05% | 89.30% | 91.47% | +1,605 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.47% | -5.42% | -1.33% | 5.58% | 5.32% | 8.00% | 4.80% | 1.37% | -421 bps | |
| Loan Growth (YoY) | 11.87% | 9.07% | 5.64% | 6.49% | 3.79% | 1.11% | -0.12% | -3.83% | -1,032 bps | |
| Share Growth (YoY) | -4.53% | -7.01% | -1.99% | 5.84% | 5.46% | 8.50% | 5.09% | 0.52% | -532 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.26% | 0.19% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.08% | 14.29% | 14.02% | 13.69% | 13.81% | 13.66% | 13.76% | 13.90% | +21 bps | |
| Net Worth / Assets | 14.08% | 14.29% | 14.02% | 13.69% | 13.81% | 13.66% | 13.76% | 13.90% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.33% | 43.58% | 42.72% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |