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 | |