Hagatna, GU · Charter 15051
NCUA · 4 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 | 0.39% | 0.23% | 0.36% | 1.78% | 1.11% | +72 bps | |
| Return on Equity | 3.36% | 1.94% | 2.95% | 14.58% | 8.94% | +558 bps | |
| Net Interest Margin | 3.90% | 4.02% | 3.88% | 4.13% | 4.26% | +36 bps | |
| Efficiency Ratio | 87.77% | 91.02% | 85.94% | 66.21% | 76.47% | -1,131 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.61% | -5.30% | -3.37% | -2.87% | -3.10% | -371 bps | |
| Loan Growth (YoY) | -2.63% | -4.61% | -2.89% | -2.18% | 3.67% | +630 bps | |
| Share Growth (YoY) | 6.78% | 7.21% | 9.78% | 11.25% | 6.44% | -34 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.86% | 0.95% | 1.16% | 0.35% | 0.34% | -152 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 | 11.68% | 11.98% | 12.16% | 12.19% | 12.46% | +78 bps | |
| Net Worth / Assets | 11.68% | 11.98% | 12.16% | 12.19% | 12.46% | +78 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 105.01% | 99.63% | 100.92% | 96.57% | 102.28% | -273 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |