Honolulu, HI · Charter 1718
NCUA · 15 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
30
Asset Quality
24
Profitability
86
Liquidity
0
Efficiency
78
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Honolulu, HI · Charter 1718
NCUA · 15 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 | 0.87% | 1.00% | 0.92% | 1.27% | 1.57% | +71 bps | |
| Return on Equity | 9.92% | 11.01% | 10.01% | 13.43% | 15.77% | +584 bps | |
| Net Interest Margin | 2.91% | 3.06% | 3.13% | 3.50% | 3.59% | +68 bps | |
| Efficiency Ratio | 75.50% | 73.15% | 73.58% | 68.32% | 63.56% | -1,194 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.77% | 16.82% | 5.81% | 2.61% | 0.15% | -1,862 bps | |
| Loan Growth (YoY) | 6.98% | 7.86% | 8.42% | 8.11% | 9.50% | +252 bps | |
| Share Growth (YoY) | 18.35% | 16.80% | 6.62% | 1.41% | -1.27% | -1,961 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.43% | 1.35% | 1.24% | 1.06% | 1.07% | -36 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 | 8.73% | 9.13% | 9.17% | 9.44% | 9.98% | +124 bps | |
| Net Worth / Assets | 8.73% | 9.13% | 9.17% | 9.44% | 9.98% | +124 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.77% | 56.40% | 57.28% | 57.49% | 59.63% | +586 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Honolulu, HI · Charter 1718 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 15 branches
Q2 2026
Return on Assets
1.57%
Rank 27 of 435
Net Interest Margin
3.59%
Rank 157 of 435
Efficiency Ratio
63.56%
Rank 95 of 435
Equity / Assets
9.98%
Rank 306 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.57% | 0.55% | 0.81% | 1.14% | Beats 94% | 27 / 435 | |
| Return on Equity | 15.77% | 5.12% | 7.41% | 9.70% | Beats 99% | 6 / 435 | |
| Net Interest Margin | 3.59% | 3.01% | 3.39% | 3.75% | Beats 64% | 157 / 435 | |
| Efficiency Ratio | 63.56% | 65.25% | 71.39% | 77.86% | Beats 78% | 95 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.07% | 0.45% | 0.69% | 1.05% | Beats 24% | 330 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.98% | 9.81% | 10.84% | 12.63% | Beats 30% | 306 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.98% | 9.81% | 10.84% | 12.63% | Beats 30% | 306 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 59.63% | 78.33% | 88.38% | 95.61% | 7th pctl | 406 / 435 | |
| Loans / Assets | 53.07% | 67.69% | 74.58% | 80.80% | 8th pctl | 399 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||