PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hawaiiusa

Honolulu, HI · Charter 1815

NCUA · 14 branches

Q2 2026

$2.7BAssets
$1.6BLoans
$2.4BShares
$283.6MNet 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 0.85%, up 33 bps year over year; NIM at 2.91%.
  • Asset quality: problem loans at 0.39% of loans (-17 bps YoY).
  • Capital: net worth / assets of 10.63%, up 39 bps from a year ago.
  • Funding: loans stand at 66.46% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.85%+33 bps YoY

Net Interest Margin (quarter, annualized)

2.91%+21 bps YoY

Efficiency Ratio (quarter, annualized)

75.90%-291 bps YoY

Net Worth / Assets

10.63%+39 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.52%0.51%0.54%0.78%0.85%+33 bps
Return on Equity5.04%4.90%5.26%7.53%8.00%+296 bps
Net Interest Margin2.71%2.77%2.79%2.88%2.91%+21 bps
Efficiency Ratio78.81%79.39%79.21%78.61%75.90%-291 bps
Growth
Asset Growth (YoY)4.66%2.57%2.15%1.90%2.32%-234 bps
Loan Growth (YoY)3.05%4.94%6.54%7.32%8.01%+496 bps
Share Growth (YoY)4.74%2.66%1.58%0.99%1.39%-335 bps
Asset Quality
Delinquent Loans / Loans0.56%0.46%0.47%0.30%0.39%-17 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 Capital10.24%10.30%10.32%10.38%10.63%+39 bps
Net Worth / Assets10.24%10.30%10.32%10.38%10.63%+39 bps
Liquidity & Funding
Loans / Shares62.39%63.70%64.91%64.80%66.46%+407 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps