Honolulu, HI · Charter 1717
NCUA · 10 branches
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 | 0.64% | 0.41% | 0.32% | 0.76% | 0.69% | 0.53% | 0.74% | 0.75% | 0 bps | |
| Return on Equity | 5.00% | 3.44% | 2.68% | 5.98% | 5.69% | 4.53% | 6.31% | 6.44% | +46 bps | |
| Net Interest Margin | 1.79% | 1.67% | 1.79% | 1.96% | 1.94% | 1.88% | 2.15% | 2.14% | +18 bps | |
| Efficiency Ratio | 74.88% | 81.41% | 84.75% | 72.23% | 72.82% | 78.20% | 72.66% | 71.24% | -99 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.37% | 5.94% | 9.12% | 6.09% | 8.34% | 7.77% | 7.26% | 13.16% | +707 bps | |
| Loan Growth (YoY) | 3.67% | 1.94% | 2.82% | 1.48% | 1.30% | 1.33% | 1.35% | 0.94% | -54 bps | |
| Share Growth (YoY) | 2.28% | 6.66% | 9.08% | 5.35% | 8.39% | 6.49% | 6.95% | 14.06% | +871 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.18% | 0.22% | 0.15% | 0.64% | 0.54% | 0.08% | 0.61% | 0.54% | -10 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.78% | 11.96% | 11.93% | 12.65% | 12.22% | 11.61% | 11.73% | 11.72% | -93 bps | |
| Net Worth / Assets | 12.78% | 11.96% | 11.93% | 12.65% | 12.22% | 11.61% | 11.73% | 11.72% | -93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.96% | 63.12% | 62.68% | 66.29% | 63.51% | 60.06% | 59.40% | 58.66% | -762 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |