PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hawaii State

Honolulu, HI · Charter 1718

NCUA · 15 branches

Q2 2026

$2.9BAssets
$1.5BLoans
$2.5BShares
$285.0MNet 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 1.57%, up 71 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 1.07% of loans (-36 bps YoY).
  • Capital: net worth / assets of 9.98%, up 124 bps from a year ago.
  • Funding: loans stand at 59.63% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.57%+71 bps YoY

Net Interest Margin (YTD, annualized)

3.59%+68 bps YoY

Efficiency Ratio (YTD, annualized)

63.56%-1,194 bps YoY

Net Worth / Assets

9.98%+124 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%1.00%0.92%1.27%1.57%+71 bps
Return on Equity9.92%11.01%10.01%13.43%15.77%+584 bps
Net Interest Margin2.91%3.06%3.13%3.50%3.59%+68 bps
Efficiency Ratio75.50%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 / Loans1.43%1.35%1.24%1.06%1.07%-36 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 Capital8.73%9.13%9.17%9.44%9.98%+124 bps
Net Worth / Assets8.73%9.13%9.17%9.44%9.98%+124 bps
Liquidity & Funding
Loans / Shares53.77%56.40%57.28%57.49%59.63%+586 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps