PackageTrendsPeer
Letter portraitLegal landscape

Glover

Honolulu, HI · Charter 12613

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

94

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

41

Q2 2024Q2 2026peer median

Efficiency

88

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

Glover

Honolulu, HI · Charter 12613

NCUA · 1 branch

Q2 2026

$2.5MAssets
$644KLoans
$1.7MShares
$879KNet 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 1.06%, down 75 bps year over year; NIM at 2.27%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 34.46%, up 194 bps from a year ago.
  • Funding: loans stand at 38.53% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.06%-75 bps YoY

Net Interest Margin (YTD, annualized)

2.27%-60 bps YoY

Efficiency Ratio (YTD, annualized)

59.13%+1,099 bps YoY

Net Worth / Assets

34.46%+194 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.81%2.05%2.26%0.98%1.06%-75 bps
Return on Equity5.57%6.28%6.68%2.82%3.08%-249 bps
Net Interest Margin2.87%2.70%2.68%2.34%2.27%-60 bps
Efficiency Ratio48.15%40.82%36.59%27.03%59.13%+1,099 bps
Growth
Asset Growth (YoY)-2.22%-1.80%-4.06%-0.28%-0.16%+206 bps
Loan Growth (YoY)54.22%-6.07%-20.73%-10.44%-18.31%-7,252 bps
Share Growth (YoY)-4.83%-5.33%-8.66%-3.21%-3.04%+179 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans8.07%8.06%8.06%8.06%8.07%0 bps
Capital
Risk-Based Capital32.52%32.71%33.86%34.55%34.46%+194 bps
Net Worth / Assets32.52%32.71%33.86%34.55%34.46%+194 bps
Liquidity & Funding
Loans / Shares45.73%42.01%39.31%43.84%38.53%-720 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

Glover

Honolulu, HI · Charter 12613 · Peer group: credit unions under $1B in assets in the Urban Honolulu, HI area (n=17)

NCUA · 1 branch

Q2 2026

$2.5MAssets
$644KLoans
$1.7MShares
$879KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Urban Honolulu, HI area (rank 1 of 17).
  • Widest gap: net interest margin trails 94% of credit unions under $1B in assets in the Urban Honolulu, HI area (rank 16 of 17).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

1.10%

Rank 6 of 17

Net Interest Margin

2.27%

Rank 16 of 17

Efficiency Ratio

58.62%

Rank 3 of 17

Equity / Assets

34.47%

Rank 1 of 17

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.10%0.54%0.99%1.17%Beats 65%6 / 17
Return on Equity3.19%3.19%5.62%8.25%Beats 24%13 / 17
Net Interest Margin2.27%2.71%3.12%3.56%Beats 6%16 / 17
Efficiency Ratio58.62%64.13%74.39%81.42%Beats 88%3 / 17
Asset Quality
Nonperforming Loans / Loans0.00%0.30%0.66%1.43%Beats 100%1 / 17
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio34.47%11.08%13.24%17.17%Beats 94%1 / 17
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets34.47%11.08%13.24%17.17%Beats 94%1 / 17
Liquidity & Funding
Loans / Deposits38.54%38.54%55.56%70.42%24th pctl13 / 17
Loans / Assets25.25%29.18%48.61%61.05%18th pctl14 / 17
Brokered Deposits / Depositsn/aNot reported for this institution