Honolulu, HI · Charter 1733
NCUA · 8 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 in the Urban Honolulu, HI area (n=17). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
6
Asset Quality
71
Profitability
16
Liquidity
79
Efficiency
18
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 1733
NCUA · 8 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 | -0.10% | -0.08% | 0.45% | 0.38% | 0.36% | 0.32% | 0.23% | 0.29% | -9 bps | |
| Return on Equity | -1.03% | -0.84% | 4.75% | 4.13% | 3.79% | 3.43% | 2.45% | 3.05% | -108 bps | |
| Net Interest Margin | 2.20% | 2.21% | 2.13% | 2.20% | 2.38% | 2.43% | 2.59% | 2.65% | +45 bps | |
| Efficiency Ratio | 97.22% | 96.74% | 81.15% | 79.69% | 81.01% | 82.07% | 90.09% | 88.05% | +836 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.07% | 0.09% | 0.19% | 5.24% | 2.40% | 3.75% | 4.63% | 0.31% | -493 bps | |
| Loan Growth (YoY) | 4.39% | 1.64% | -0.70% | 0.02% | 3.13% | 2.14% | 1.80% | -2.18% | -220 bps | |
| Share Growth (YoY) | -7.47% | 1.65% | 3.73% | 4.81% | 2.56% | 3.41% | 2.18% | 2.02% | -279 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.55% | 0.51% | 0.52% | 0.47% | 0.51% | 0.31% | 0.39% | -13 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 | 9.49% | 9.44% | 9.49% | 9.28% | 9.50% | 9.38% | 9.30% | 9.49% | +21 bps | |
| Net Worth / Assets | 9.49% | 9.44% | 9.49% | 9.28% | 9.50% | 9.38% | 9.30% | 9.49% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.66% | 63.11% | 61.30% | 63.94% | 66.03% | 62.33% | 61.07% | 61.31% | -263 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Honolulu, HI · Charter 1733 · Peer group: credit unions under $1B in assets in the Urban Honolulu, HI area (n=17)
NCUA · 8 branches
Q2 2026
Return on Assets
0.29%
Rank 15 of 17
Net Interest Margin
2.65%
Rank 14 of 17
Efficiency Ratio
88.06%
Rank 15 of 17
Equity / Assets
9.49%
Rank 16 of 17
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.29% | 0.54% | 0.99% | 1.17% | Beats 12% | 15 / 17 | ||
| Return on Equity | 3.05% | 3.19% | 5.62% | 8.25% | Beats 18% | 14 / 17 | ||
| Net Interest Margin | 2.65% | 2.71% | 3.12% | 3.56% | Beats 18% | 14 / 17 | ||
| Efficiency Ratio | 88.06% | 64.13% | 74.39% | 81.42% | Beats 18% | 15 / 17 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.39% | 0.30% | 0.66% | 1.43% | Beats 71% | 6 / 17 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.49% | 11.08% | 13.24% | 17.17% | Beats 6% | 16 / 17 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.49% | 11.08% | 13.24% | 17.17% | Beats 6% | 16 / 17 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 61.31% | 38.54% | 55.56% | 70.42% | 59th pctl | 7 / 17 | ||
| Loans / Assets | 54.51% | 29.18% | 48.61% | 61.05% | 59th pctl | 7 / 17 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||