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 | |