PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hawaii County Employees

Hilo, HI · Charter 1784

NCUA · 1 branch

Q2 2026

$148.0MAssets
$45.6MLoans
$124.7MShares
$22.5MNet Worth

Executive Summary

  • Earnings: ROA of 1.36%, down 15 bps year over year; NIM at 3.08%.
  • Asset quality: problem loans at 0.21% of loans (-8 bps YoY).
  • Capital: net worth / assets of 15.17%, down 13 bps from a year ago.
  • Funding: loans stand at 36.57% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.36%-15 bps YoY

Net Interest Margin (quarter, annualized)

3.08%+4 bps YoY

Efficiency Ratio (quarter, annualized)

60.87%+171 bps YoY

Net Worth / Assets

15.17%-13 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.39%1.07%1.51%1.51%1.50%1.20%1.32%1.36%-15 bps
Return on Equity8.94%7.06%9.97%9.88%9.74%7.95%8.72%8.97%-91 bps
Net Interest Margin2.90%2.76%2.95%3.03%3.07%2.93%3.09%3.08%+4 bps
Efficiency Ratio58.57%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 / Loans0.28%0.59%0.64%0.29%0.58%0.15%0.68%0.21%-8 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 Capital15.58%15.16%15.10%15.29%15.38%15.15%15.08%15.17%-13 bps
Net Worth / Assets15.58%15.16%15.10%15.29%15.38%15.15%15.08%15.17%-13 bps
Liquidity & Funding
Loans / Shares40.68%40.30%39.02%38.80%38.75%38.50%36.89%36.57%-222 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps