Kailua Kona, HI · Charter 1719
NCUA · 10 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |