PackageTrendsPeer
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Lokahi

Honolulu, HI · Charter 1733

NCUA · 8 branches

Q2 2026

$701.9MAssets
$382.6MLoans
$624.0MShares
$66.6MNet 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 0.29%, down 9 bps year over year; NIM at 2.65%.
  • Asset quality: problem loans at 0.39% of loans (-13 bps YoY).
  • Capital: net worth / assets of 9.49%, up 21 bps from a year ago.
  • Funding: loans stand at 61.31% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.29%-9 bps YoY

Net Interest Margin (YTD, annualized)

2.65%+45 bps YoY

Efficiency Ratio (YTD, annualized)

88.05%+836 bps YoY

Net Worth / Assets

9.49%+21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.36%0.32%0.23%0.29%-9 bps
Return on Equity4.13%3.79%3.43%2.45%3.05%-108 bps
Net Interest Margin2.20%2.38%2.43%2.59%2.65%+45 bps
Efficiency Ratio79.69%81.01%82.07%90.09%88.05%+836 bps
Growth
Asset Growth (YoY)5.24%2.40%3.75%4.63%0.31%-493 bps
Loan Growth (YoY)0.02%3.13%2.14%1.80%-2.18%-220 bps
Share Growth (YoY)4.81%2.56%3.41%2.18%2.02%-279 bps
Asset Quality
Delinquent Loans / Loans0.52%0.47%0.51%0.31%0.39%-13 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 Capital9.28%9.50%9.38%9.30%9.49%+21 bps
Net Worth / Assets9.28%9.50%9.38%9.30%9.49%+21 bps
Liquidity & Funding
Loans / Shares63.94%66.03%62.33%61.07%61.31%-263 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps