PackageTrendsPeer
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Hawaiian Financial

Honolulu, HI · Charter 1717

NCUA · 10 branches

Q2 2026

$1.1BAssets
$592.1MLoans
$1.0BShares
$131.9MNet 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 0.75%, unchanged from a year ago; NIM at 2.14%.
  • Asset quality: problem loans at 0.54% of loans (-10 bps YoY).
  • Capital: net worth / assets of 11.72%, down 93 bps from a year ago.
  • Funding: loans stand at 58.66% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.75%0 bps YoY

Net Interest Margin (YTD, annualized)

2.14%+18 bps YoY

Efficiency Ratio (YTD, annualized)

71.24%-99 bps YoY

Net Worth / Assets

11.72%-93 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.69%0.53%0.74%0.75%0 bps
Return on Equity5.98%5.69%4.53%6.31%6.44%+46 bps
Net Interest Margin1.96%1.94%1.88%2.15%2.14%+18 bps
Efficiency Ratio72.23%72.82%78.20%72.66%71.24%-99 bps
Growth
Asset Growth (YoY)6.09%8.34%7.77%7.26%13.16%+707 bps
Loan Growth (YoY)1.48%1.30%1.33%1.35%0.94%-54 bps
Share Growth (YoY)5.35%8.39%6.49%6.95%14.06%+871 bps
Asset Quality
Delinquent Loans / Loans0.64%0.54%0.08%0.61%0.54%-10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.65%12.22%11.61%11.73%11.72%-93 bps
Net Worth / Assets12.65%12.22%11.61%11.73%11.72%-93 bps
Liquidity & Funding
Loans / Shares66.29%63.51%60.06%59.40%58.66%-762 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps