Kailua Kona, HI · Charter 1719
NCUA · 10 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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
17
Asset Quality
24
Profitability
31
Liquidity
56
Efficiency
41
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.
Kailua Kona, HI · Charter 1719
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 | 0.34% | 0.32% | 1.01% | 0.69% | 0.85% | 0.74% | 0.61% | 0.52% | -17 bps | |
| Return on Equity | 3.59% | 3.41% | 10.74% | 7.22% | 8.68% | 7.60% | 6.40% | 5.36% | -185 bps | |
| Net Interest Margin | 2.53% | 2.54% | 2.80% | 2.83% | 2.90% | 2.89% | 2.91% | 2.95% | +11 bps | |
| Efficiency Ratio | 85.03% | 84.48% | 71.93% | 77.35% | 74.88% | 75.75% | 80.10% | 81.18% | +384 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.92% | 0.56% | 3.87% | 4.91% | 5.87% | 5.78% | 4.35% | 5.41% | +50 bps | |
| Loan Growth (YoY) | -4.01% | -3.40% | -3.08% | -3.14% | -2.79% | -3.36% | -0.84% | 0.07% | +321 bps | |
| Share Growth (YoY) | -2.76% | 2.24% | 4.79% | 4.24% | 5.47% | 4.81% | 3.60% | 5.03% | +79 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.99% | 0.81% | 0.59% | 0.96% | 0.58% | 0.73% | 0.65% | 1.32% | +36 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 | 9.60% | 9.51% | 9.37% | 9.50% | 9.76% | 9.72% | 9.60% | 9.65% | +15 bps | |
| Net Worth / Assets | 9.60% | 9.51% | 9.37% | 9.50% | 9.76% | 9.72% | 9.60% | 9.65% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.08% | 61.72% | 58.21% | 58.64% | 58.15% | 56.91% | 55.72% | 55.87% | -277 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kailua Kona, HI · Charter 1719 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 10 branches
Q2 2026
Return on Assets
0.52%
Rank 1,113 of 1,683
Net Interest Margin
2.95%
Rank 1,480 of 1,683
Efficiency Ratio
81.18%
Rank 991 of 1,682
Equity / Assets
9.65%
Rank 1,402 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.52% | 0.35% | 0.74% | 1.18% | Beats 34% | 1,113 / 1,683 | ||
| Return on Equity | 5.36% | 2.67% | 5.89% | 8.74% | Beats 46% | 916 / 1,681 | ||
| Net Interest Margin | 2.95% | 3.31% | 3.82% | 4.32% | Beats 12% | 1,480 / 1,683 | ||
| Efficiency Ratio | 81.18% | 68.91% | 78.20% | 86.93% | Beats 41% | 991 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.32% | 0.26% | 0.65% | 1.29% | Beats 24% | 1,272 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.65% | 10.44% | 12.89% | 16.53% | Beats 17% | 1,402 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.65% | 10.44% | 12.89% | 16.53% | Beats 17% | 1,402 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 55.87% | 52.61% | 69.38% | 83.50% | 29th pctl | 1,193 / 1,683 | ||
| Loans / Assets | 51.00% | 44.71% | 59.18% | 70.72% | 35th pctl | 1,087 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||