Honolulu, HI · Charter 10465
NCUA · 5 branches
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 | 0.26% | 0.22% | 0.67% | 0.73% | 0.81% | 0.83% | 0.99% | 1.31% | +59 bps | |
| Return on Equity | 2.59% | 2.08% | 6.27% | 6.82% | 7.54% | 7.58% | 9.11% | 11.86% | +504 bps | |
| Net Interest Margin | 1.34% | 1.42% | 1.55% | 1.66% | 1.73% | 1.79% | 2.08% | 2.09% | +43 bps | |
| Efficiency Ratio | 81.22% | 79.34% | 65.43% | 62.09% | 59.62% | 59.48% | 56.20% | 50.14% | -1,195 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.75% | 0.42% | -1.49% | 1.95% | -0.66% | 4.13% | 6.45% | 6.87% | +491 bps | |
| Loan Growth (YoY) | 8.45% | 7.99% | 9.97% | 10.49% | 11.76% | 12.77% | 13.27% | 16.43% | +594 bps | |
| Share Growth (YoY) | 11.29% | 8.41% | 6.35% | 5.37% | 2.72% | 2.00% | 5.00% | 5.76% | +40 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.82% | 0.75% | 0.79% | 0.65% | 0.22% | 0.20% | 0.30% | -50 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 | 10.04% | 10.58% | 10.64% | 10.67% | 10.72% | 10.98% | 10.88% | 11.08% | +41 bps | |
| Net Worth / Assets | 10.04% | 10.58% | 10.64% | 10.67% | 10.72% | 10.98% | 10.88% | 11.08% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.30% | 37.81% | 38.56% | 39.48% | 40.58% | 41.80% | 41.60% | 43.47% | +398 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 98.99% | 99.30% | 0.00% | 0.00% | 0.00% | 0.00% | -9,930 bps | |