Wailuku, HI · Charter 1817
NCUA · 2 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 under $1B in assets in the Grand Rapids-Wyoming-Kentwood, MI area (n=24). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
75
Asset Quality
100
Profitability
15
Liquidity
0
Efficiency
83
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.
Wailuku, HI · Charter 1817
NCUA · 2 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 | 0.66% | 0.65% | 0.46% | 0.47% | 0.57% | 0.59% | 0.65% | 0.59% | +11 bps | |
| Return on Equity | 3.48% | 3.36% | 2.47% | 2.61% | 3.18% | 3.30% | 3.71% | 3.49% | +88 bps | |
| Net Interest Margin | 2.23% | 2.27% | 1.93% | 1.95% | 2.00% | 2.05% | 2.24% | 2.00% | +5 bps | |
| Efficiency Ratio | 70.98% | 71.56% | 77.43% | 77.16% | 72.49% | 72.50% | 71.68% | 71.41% | -575 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.87% | -2.87% | 2.79% | 7.08% | 8.88% | 12.17% | 10.09% | 11.86% | +479 bps | |
| Loan Growth (YoY) | -5.41% | -8.12% | -0.28% | 8.78% | 14.64% | 19.79% | 9.94% | 12.16% | +338 bps | |
| Share Growth (YoY) | -2.93% | -4.09% | 1.44% | 5.97% | 9.02% | 10.89% | 9.61% | 12.34% | +637 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.03% | 0.06% | 0.00% | 0.07% | 0.00% | 0.00% | 0.00% | 0.00% | -7 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 | 18.95% | 19.36% | 18.64% | 18.10% | 17.96% | 17.84% | 17.56% | 16.80% | -129 bps | |
| Net Worth / Assets | 18.95% | 19.36% | 18.64% | 18.10% | 17.96% | 17.84% | 17.56% | 16.80% | -129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.33% | 35.43% | 36.45% | 37.76% | 39.25% | 38.28% | 36.56% | 37.70% | -6 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wailuku, HI · Charter 1817 · Peer group: credit unions under $1B in assets in the Grand Rapids-Wyoming-Kentwood, MI area (n=24)
NCUA · 2 branches
Q2 2026
Return on Assets
0.59%
Rank 18 of 24
Net Interest Margin
2.00%
Rank 24 of 24
Efficiency Ratio
71.32%
Rank 5 of 24
Equity / Assets
16.80%
Rank 6 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.59% | 0.59% | 0.96% | 1.22% | Beats 25% | 18 / 24 | ||
| Return on Equity | 3.50% | 4.08% | 7.52% | 9.09% | Beats 21% | 19 / 24 | ||
| Net Interest Margin | 2.00% | 3.56% | 3.83% | 4.19% | Beats 0% | 24 / 24 | ||
| Efficiency Ratio | 71.32% | 75.24% | 78.47% | 83.50% | Beats 83% | 5 / 24 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.27% | 0.41% | 0.73% | Beats 100% | 1 / 24 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.80% | 10.28% | 13.92% | 16.80% | Beats 75% | 6 / 24 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.80% | 10.28% | 13.92% | 16.80% | Beats 75% | 6 / 24 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 37.70% | 55.12% | 69.25% | 80.19% | 8th pctl | 22 / 24 | ||
| Loans / Assets | 32.54% | 45.19% | 59.32% | 70.04% | 13th pctl | 21 / 24 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||