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Maui Teachers

Wailuku, HI · Charter 1817

NCUA · 2 branches

Q2 2026

$38.5MAssets
$12.5MLoans
$33.2MShares
$6.5MNet 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 0.59%, up 11 bps year over year; NIM at 2.00%.
  • Asset quality: problem loans at 0.00% of loans (-7 bps YoY).
  • Capital: net worth / assets of 16.80%, down 129 bps from a year ago.
  • Funding: loans stand at 37.70% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.59%+11 bps YoY

Net Interest Margin (YTD, annualized)

2.00%+5 bps YoY

Efficiency Ratio (YTD, annualized)

71.41%-575 bps YoY

Net Worth / Assets

16.80%-129 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.47%0.57%0.59%0.65%0.59%+11 bps
Return on Equity2.61%3.18%3.30%3.71%3.49%+88 bps
Net Interest Margin1.95%2.00%2.05%2.24%2.00%+5 bps
Efficiency Ratio77.16%72.49%72.50%71.68%71.41%-575 bps
Growth
Asset Growth (YoY)7.08%8.88%12.17%10.09%11.86%+479 bps
Loan Growth (YoY)8.78%14.64%19.79%9.94%12.16%+338 bps
Share Growth (YoY)5.97%9.02%10.89%9.61%12.34%+637 bps
Asset Quality
Delinquent Loans / Loans0.07%0.00%0.00%0.00%0.00%-7 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 Capital18.10%17.96%17.84%17.56%16.80%-129 bps
Net Worth / Assets18.10%17.96%17.84%17.56%16.80%-129 bps
Liquidity & Funding
Loans / Shares37.76%39.25%38.28%36.56%37.70%-6 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps