PackageTrendsPeer
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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