Honolulu, HI · Charter 1815
NCUA · 14 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |