Honolulu, HI · Charter 1815
NCUA · 14 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
44
Asset Quality
81
Profitability
42
Liquidity
7
Efficiency
32
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 1815
NCUA · 14 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 | 0.15% | 0.15% | 0.13% | 0.52% | 0.51% | 0.54% | 0.78% | 0.85% | +33 bps | |
| Return on Equity | 1.44% | 1.52% | 1.34% | 5.04% | 4.90% | 5.26% | 7.53% | 8.00% | +296 bps | |
| Net Interest Margin | 2.66% | 2.62% | 2.58% | 2.71% | 2.77% | 2.79% | 2.88% | 2.91% | +21 bps | |
| Efficiency Ratio | 80.04% | 81.37% | 86.24% | 78.81% | 79.39% | 79.21% | 78.61% | 75.90% | -291 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.42% | 7.70% | 7.28% | 4.66% | 2.57% | 2.15% | 1.90% | 2.32% | -234 bps | |
| Loan Growth (YoY) | 1.19% | 0.92% | 1.37% | 3.05% | 4.94% | 6.54% | 7.32% | 8.01% | +496 bps | |
| Share Growth (YoY) | 9.25% | 9.55% | 9.04% | 4.74% | 2.66% | 1.58% | 0.99% | 1.39% | -335 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 0.54% | 0.71% | 0.56% | 0.46% | 0.47% | 0.30% | 0.39% | -17 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 | 10.23% | 10.08% | 9.95% | 10.24% | 10.30% | 10.32% | 10.38% | 10.63% | +39 bps | |
| Net Worth / Assets | 10.23% | 10.08% | 9.95% | 10.24% | 10.30% | 10.32% | 10.38% | 10.63% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.32% | 61.89% | 60.97% | 62.39% | 63.70% | 64.91% | 64.80% | 66.46% | +407 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 1815 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 14 branches
Q2 2026
Return on Assets
0.85%
Rank 201 of 435
Net Interest Margin
2.91%
Rank 356 of 435
Efficiency Ratio
75.90%
Rank 297 of 435
Equity / Assets
10.63%
Rank 243 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.85% | 0.55% | 0.81% | 1.14% | Beats 54% | 201 / 435 | ||
| Return on Equity | 8.00% | 5.12% | 7.41% | 9.70% | Beats 55% | 195 / 435 | ||
| Net Interest Margin | 2.91% | 3.01% | 3.39% | 3.75% | Beats 18% | 356 / 435 | ||
| Efficiency Ratio | 75.90% | 65.25% | 71.39% | 77.86% | Beats 32% | 297 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.39% | 0.45% | 0.69% | 1.05% | Beats 81% | 86 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.63% | 9.81% | 10.84% | 12.63% | Beats 44% | 243 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.63% | 9.81% | 10.84% | 12.63% | Beats 44% | 243 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.46% | 78.33% | 88.38% | 95.61% | 11th pctl | 387 / 435 | ||
| Loans / Assets | 58.67% | 67.69% | 74.58% | 80.80% | 12th pctl | 381 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||