Hilo, HI · Charter 1784
NCUA · 1 branch
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
68
Asset Quality
79
Profitability
59
Liquidity
0
Efficiency
88
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.
Hilo, HI · Charter 1784
NCUA · 1 branch
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 | 1.39% | 1.07% | 1.51% | 1.51% | 1.50% | 1.20% | 1.32% | 1.36% | -15 bps | |
| Return on Equity | 8.94% | 7.06% | 9.97% | 9.88% | 9.74% | 7.95% | 8.72% | 8.97% | -91 bps | |
| Net Interest Margin | 2.90% | 2.76% | 2.95% | 3.03% | 3.07% | 2.93% | 3.09% | 3.08% | +4 bps | |
| Efficiency Ratio | 58.57% | 64.52% | 58.27% | 59.17% | 58.49% | 64.01% | 62.36% | 60.87% | +171 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.91% | 5.03% | 6.87% | 9.89% | 9.66% | 8.67% | 8.36% | 8.97% | -92 bps | |
| Loan Growth (YoY) | 6.01% | 7.52% | 5.91% | 4.71% | 4.85% | 3.70% | 2.79% | 3.54% | -117 bps | |
| Share Growth (YoY) | 0.24% | 3.82% | 5.78% | 9.45% | 10.07% | 8.52% | 8.71% | 9.83% | +38 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.59% | 0.64% | 0.29% | 0.58% | 0.15% | 0.68% | 0.21% | -8 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 | 15.58% | 15.16% | 15.10% | 15.29% | 15.38% | 15.15% | 15.08% | 15.17% | -13 bps | |
| Net Worth / Assets | 15.58% | 15.16% | 15.10% | 15.29% | 15.38% | 15.15% | 15.08% | 15.17% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.68% | 40.30% | 39.02% | 38.80% | 38.75% | 38.50% | 36.89% | 36.57% | -222 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hilo, HI · Charter 1784 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.36%
Rank 311 of 1,683
Net Interest Margin
3.08%
Rank 1,404 of 1,683
Efficiency Ratio
60.86%
Rank 200 of 1,682
Equity / Assets
15.17%
Rank 537 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.36% | 0.35% | 0.74% | 1.18% | Beats 82% | 311 / 1,683 | ||
| Return on Equity | 8.97% | 2.67% | 5.89% | 8.74% | Beats 77% | 394 / 1,681 | ||
| Net Interest Margin | 3.08% | 3.31% | 3.82% | 4.32% | Beats 17% | 1,404 / 1,683 | ||
| Efficiency Ratio | 60.86% | 68.91% | 78.20% | 86.93% | Beats 88% | 200 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.21% | 0.26% | 0.65% | 1.29% | Beats 79% | 349 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.17% | 10.44% | 12.89% | 16.53% | Beats 68% | 537 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.17% | 10.44% | 12.89% | 16.53% | Beats 68% | 537 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 36.57% | 52.61% | 69.38% | 83.50% | 8th pctl | 1,540 / 1,683 | ||
| Loans / Assets | 30.81% | 44.71% | 59.18% | 70.72% | 9th pctl | 1,538 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||