Kamuela, HI · Charter 10938
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
18
Asset Quality
6
Profitability
75
Liquidity
68
Efficiency
56
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.
Kamuela, HI · Charter 10938
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.44% | 0.56% | 0.67% | 1.13% | 0.90% | +46 bps | |
| Return on Equity | 4.82% | 5.87% | 7.20% | 12.35% | 9.23% | +441 bps | |
| Net Interest Margin | 4.40% | 4.57% | 4.46% | 4.66% | 4.72% | +32 bps | |
| Efficiency Ratio | 91.38% | 82.27% | 76.23% | 76.34% | 76.37% | -1,501 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.15% | 10.97% | 10.78% | 10.47% | 3.33% | -582 bps | |
| Loan Growth (YoY) | -3.52% | 3.67% | 4.73% | -3.61% | -4.41% | -89 bps | |
| Share Growth (YoY) | 6.69% | 8.52% | 10.49% | 11.24% | 2.51% | -417 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.96% | 4.20% | 4.93% | 3.94% | 3.68% | -127 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.17% | 9.49% | 9.26% | 9.14% | 9.78% | +60 bps | |
| Net Worth / Assets | 9.17% | 9.49% | 9.26% | 9.14% | 9.78% | +60 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.14% | 85.43% | 79.46% | 71.88% | 76.59% | -554 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kamuela, HI · Charter 10938 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.90%
Rank 680 of 1,683
Net Interest Margin
4.72%
Rank 244 of 1,683
Efficiency Ratio
76.34%
Rank 743 of 1,682
Equity / Assets
9.78%
Rank 1,381 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.90% | 0.35% | 0.74% | 1.18% | Beats 60% | 680 / 1,683 | |
| Return on Equity | 9.23% | 2.67% | 5.89% | 8.74% | Beats 78% | 363 / 1,681 | |
| Net Interest Margin | 4.72% | 3.31% | 3.82% | 4.32% | Beats 86% | 244 / 1,683 | |
| Efficiency Ratio | 76.34% | 68.91% | 78.20% | 86.93% | Beats 56% | 743 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.68% | 0.26% | 0.65% | 1.29% | Beats 6% | 1,590 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.78% | 10.44% | 12.89% | 16.53% | Beats 18% | 1,381 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.78% | 10.44% | 12.89% | 16.53% | Beats 18% | 1,381 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.59% | 52.61% | 69.38% | 83.50% | 63rd pctl | 626 / 1,683 | |
| Loans / Assets | 65.99% | 44.71% | 59.18% | 70.72% | 64th pctl | 602 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||