PackageTrendsPeer
Letter portraitLegal landscape

Local Union 1186 IBEW

Honolulu, HI · Charter 10882

NCUA · 1 branch

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

59

Q2 2024Q2 2026peer median (50)

Asset Quality

24

Q2 2024Q2 2026peer median (50)

Profitability

20

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

24

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

Local Union 1186 IBEW

Honolulu, HI · Charter 10882

NCUA · 1 branch

Q2 2026

$12.8MAssets
$2.0MLoans
$10.9MShares
$1.9MNet 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 0.30%, up 30 bps year over year; NIM at 2.76%.
  • Asset quality: problem loans at 1.98% of loans (-183 bps YoY).
  • Capital: net worth / assets of 14.91%, up 89 bps from a year ago.
  • Funding: loans stand at 18.28% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.30%+30 bps YoY

Net Interest Margin (YTD, annualized)

2.76%+64 bps YoY

Efficiency Ratio (YTD, annualized)

81.84%-1,126 bps YoY

Net Worth / Assets

14.91%+89 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.00%0.08%0.12%0.26%0.30%+30 bps
Return on Equity0.03%0.58%0.80%1.72%2.04%+201 bps
Net Interest Margin2.12%2.23%2.37%2.72%2.76%+64 bps
Efficiency Ratio93.09%90.66%87.39%82.53%81.84%-1,126 bps
Growth
Asset Growth (YoY)-0.64%0.00%-1.73%-3.77%-4.24%-360 bps
Loan Growth (YoY)-13.64%-12.27%-10.43%-4.48%-7.77%+587 bps
Share Growth (YoY)-0.75%-0.12%-2.14%-4.63%-5.25%-449 bps
Asset Quality
Delinquent Loans / Loans3.80%4.11%3.04%3.14%1.98%-183 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 Capital14.02%14.26%14.69%14.92%14.91%+89 bps
Net Worth / Assets14.02%14.26%14.69%14.92%14.91%+89 bps
Liquidity & Funding
Loans / Shares18.78%19.24%19.48%19.92%18.28%-50 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 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

Local Union 1186 IBEW

Honolulu, HI · Charter 10882 · Peer group: credit unions under $1B in assets in the Urban Honolulu, HI area (n=17)

NCUA · 1 branch

Q2 2026

$12.8MAssets
$2.0MLoans
$10.9MShares
$1.9MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 59% of credit unions under $1B in assets in the Urban Honolulu, HI area (rank 7 of 17).
  • Widest gap: return on equity trails 88% of credit unions under $1B in assets in the Urban Honolulu, HI area (rank 15 of 17).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.30%

Rank 14 of 17

Net Interest Margin

2.75%

Rank 12 of 17

Efficiency Ratio

81.92%

Rank 14 of 17

Equity / Assets

14.91%

Rank 7 of 17

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.30%0.54%0.99%1.17%Beats 18%14 / 17
Return on Equity1.99%3.19%5.62%8.25%Beats 12%15 / 17
Net Interest Margin2.75%2.71%3.12%3.56%Beats 29%12 / 17
Efficiency Ratio81.92%64.13%74.39%81.42%Beats 24%14 / 17
Asset Quality
Nonperforming Loans / Loans1.96%0.30%0.66%1.43%Beats 24%14 / 17
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.91%11.08%13.24%17.17%Beats 59%7 / 17
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.91%11.08%13.24%17.17%Beats 59%7 / 17
Liquidity & Funding
Loans / Deposits18.28%38.54%55.56%70.42%6th pctl16 / 17
Loans / Assets15.54%29.18%48.61%61.05%6th pctl16 / 17
Brokered Deposits / Depositsn/aNot reported for this institution