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University of Hawaii

Honolulu, HI · Charter 10465

NCUA · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Urban Honolulu, HI area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Urban Honolulu, HI area (n=17). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

24

Q2 2024Q2 2026peer median (50)

Asset Quality

76

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

58

Q2 2024Q2 2026peer median

Efficiency

94

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

University of Hawaii

Honolulu, HI · Charter 10465

NCUA · 5 branches

Q2 2026

$975.7MAssets
$389.4MLoans
$895.9MShares
$108.1MNet 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 1.31%, up 59 bps year over year; NIM at 2.09%.
  • Asset quality: problem loans at 0.30% of loans (-50 bps YoY).
  • Capital: net worth / assets of 11.08%, up 41 bps from a year ago.
  • Funding: loans stand at 43.47% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.31%+59 bps YoY

Net Interest Margin (YTD, annualized)

2.09%+43 bps YoY

Efficiency Ratio (YTD, annualized)

50.14%-1,195 bps YoY

Net Worth / Assets

11.08%+41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.81%0.83%0.99%1.31%+59 bps
Return on Equity6.82%7.54%7.58%9.11%11.86%+504 bps
Net Interest Margin1.66%1.73%1.79%2.08%2.09%+43 bps
Efficiency Ratio62.09%59.62%59.48%56.20%50.14%-1,195 bps
Growth
Asset Growth (YoY)1.95%-0.66%4.13%6.45%6.87%+491 bps
Loan Growth (YoY)10.49%11.76%12.77%13.27%16.43%+594 bps
Share Growth (YoY)5.37%2.72%2.00%5.00%5.76%+40 bps
Asset Quality
Delinquent Loans / Loans0.79%0.65%0.22%0.20%0.30%-50 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 Capital10.67%10.72%10.98%10.88%11.08%+41 bps
Net Worth / Assets10.67%10.72%10.98%10.88%11.08%+41 bps
Liquidity & Funding
Loans / Shares39.48%40.58%41.80%41.60%43.47%+398 bps
Liquid Assets / Assets99.30%0.00%0.00%0.00%0.00%-9,930 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

University of Hawaii

Honolulu, HI · Charter 10465 · Peer group: credit unions under $1B in assets in the Urban Honolulu, HI area (n=17)

NCUA · 5 branches

Q2 2026

$975.7MAssets
$389.4MLoans
$895.9MShares
$108.1MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 94% of credit unions under $1B in assets in the Urban Honolulu, HI area (rank 2 of 17).
  • Widest gap: net interest margin trails 100% of credit unions under $1B in assets in the Urban Honolulu, HI area (rank 17 of 17).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

1.31%

Rank 2 of 17

Net Interest Margin

2.09%

Rank 17 of 17

Efficiency Ratio

50.14%

Rank 2 of 17

Equity / Assets

11.08%

Rank 13 of 17

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.31%0.54%0.99%1.17%Beats 88%2 / 17
Return on Equity11.86%3.19%5.62%8.25%Beats 88%2 / 17
Net Interest Margin2.09%2.71%3.12%3.56%Beats 0%17 / 17
Efficiency Ratio50.14%64.13%74.39%81.42%Beats 94%2 / 17
Asset Quality
Nonperforming Loans / Loans0.30%0.30%0.66%1.43%Beats 76%5 / 17
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.08%11.08%13.24%17.17%Beats 24%13 / 17
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.08%11.08%13.24%17.17%Beats 24%13 / 17
Liquidity & Funding
Loans / Deposits43.47%38.54%55.56%70.42%29th pctl12 / 17
Loans / Assets39.91%29.18%48.61%61.05%29th pctl12 / 17
Brokered Deposits / Depositsn/aNot reported for this institution