PackageTrendsPeer
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Hawaii Community

Kailua Kona, HI · Charter 1719

NCUA · 10 branches

Q2 2026

$808.3MAssets
$412.2MLoans
$737.8MShares
$78.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.52%, down 17 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 1.32% of loans (+36 bps YoY).
  • Capital: net worth / assets of 9.65%, up 15 bps from a year ago.
  • Funding: loans stand at 55.87% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.52%-17 bps YoY

Net Interest Margin (YTD, annualized)

2.95%+11 bps YoY

Efficiency Ratio (YTD, annualized)

81.18%+384 bps YoY

Net Worth / Assets

9.65%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.34%0.32%1.01%0.69%0.85%0.74%0.61%0.52%-17 bps
Return on Equity3.59%3.41%10.74%7.22%8.68%7.60%6.40%5.36%-185 bps
Net Interest Margin2.53%2.54%2.80%2.83%2.90%2.89%2.91%2.95%+11 bps
Efficiency Ratio85.03%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 / Loans0.99%0.81%0.59%0.96%0.58%0.73%0.65%1.32%+36 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.60%9.51%9.37%9.50%9.76%9.72%9.60%9.65%+15 bps
Net Worth / Assets9.60%9.51%9.37%9.50%9.76%9.72%9.60%9.65%+15 bps
Liquidity & Funding
Loans / Shares63.08%61.72%58.21%58.64%58.15%56.91%55.72%55.87%-277 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps