Honolulu, HI · Charter 12613
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.67% | 2.60% | 1.81% | 2.05% | 2.26% | 0.98% | 1.06% | -75 bps | |
| Return on Equity | 1.19% | 2.20% | 7.97% | 5.57% | 6.28% | 6.68% | 2.82% | 3.08% | -249 bps | |
| Net Interest Margin | 2.65% | 2.67% | 2.93% | 2.87% | 2.70% | 2.68% | 2.34% | 2.27% | -60 bps | |
| Efficiency Ratio | 38.20% | 33.04% | 25.36% | 48.15% | 40.82% | 36.59% | 27.03% | 59.13% | +1,099 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.19% | 4.03% | -2.47% | -2.22% | -1.80% | -4.06% | -0.28% | -0.16% | +206 bps | |
| Loan Growth (YoY) | 81.42% | 109.12% | 120.48% | 54.22% | -6.07% | -20.73% | -10.44% | -18.31% | -7,252 bps | |
| Share Growth (YoY) | -3.04% | 4.49% | -4.62% | -4.83% | -5.33% | -8.66% | -3.21% | -3.04% | +179 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.06% | 8.06% | 8.06% | 8.07% | 8.06% | 8.06% | 8.06% | 8.07% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 30.21% | 30.31% | 32.58% | 32.52% | 32.71% | 33.86% | 34.55% | 34.46% | +194 bps | |
| Net Worth / Assets | 30.21% | 30.31% | 32.58% | 32.52% | 32.71% | 33.86% | 34.55% | 34.46% | +194 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.34% | 45.30% | 47.37% | 45.73% | 42.01% | 39.31% | 43.84% | 38.53% | -720 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |