Honolulu, HI · Charter 1830
NCUA · 5 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 Urban Honolulu, HI area (n=17). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
35
Asset Quality
35
Profitability
73
Liquidity
0
Efficiency
76
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 1830
NCUA · 5 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 | 0.99% | 0.98% | 1.02% | 1.14% | 1.19% | 1.17% | 1.12% | 1.17% | +2 bps | |
| Return on Equity | 8.30% | 8.22% | 8.48% | 9.10% | 9.37% | 9.18% | 8.89% | 9.13% | +3 bps | |
| Net Interest Margin | 3.31% | 3.30% | 3.44% | 3.56% | 3.62% | 3.61% | 3.54% | 3.56% | 0 bps | |
| Efficiency Ratio | 64.50% | 64.75% | 64.78% | 67.03% | 63.76% | 63.34% | 65.02% | 64.13% | -290 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.15% | 2.20% | 1.03% | 1.27% | 2.27% | 3.20% | 4.91% | 7.78% | +651 bps | |
| Loan Growth (YoY) | 7.67% | 3.10% | 3.38% | 1.83% | 5.27% | 6.05% | 5.90% | 10.76% | +893 bps | |
| Share Growth (YoY) | 1.18% | 1.30% | 0.19% | 0.39% | 1.69% | 2.32% | 3.92% | 6.00% | +560 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 1.04% | 0.56% | 0.77% | 1.36% | 0.87% | 1.35% | 1.36% | +59 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 | 11.92% | 11.97% | 12.06% | 12.55% | 12.73% | 12.70% | 12.61% | 12.76% | +21 bps | |
| Net Worth / Assets | 11.92% | 11.97% | 12.06% | 12.55% | 12.73% | 12.70% | 12.61% | 12.76% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.96% | 82.06% | 81.94% | 83.32% | 84.84% | 85.05% | 83.50% | 87.07% | +374 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 1830 · Peer group: credit unions under $1B in assets in the Urban Honolulu, HI area (n=17)
NCUA · 5 branches
Q2 2026
Return on Assets
1.17%
Rank 5 of 17
Net Interest Margin
3.56%
Rank 5 of 17
Efficiency Ratio
64.13%
Rank 5 of 17
Equity / Assets
12.76%
Rank 11 of 17
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.17% | 0.54% | 0.99% | 1.17% | Beats 71% | 5 / 17 | ||
| Return on Equity | 9.13% | 3.19% | 5.62% | 8.25% | Beats 76% | 4 / 17 | ||
| Net Interest Margin | 3.56% | 2.71% | 3.12% | 3.56% | Beats 71% | 5 / 17 | ||
| Efficiency Ratio | 64.13% | 64.13% | 74.39% | 81.42% | Beats 76% | 5 / 17 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.36% | 0.30% | 0.66% | 1.43% | Beats 35% | 12 / 17 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.76% | 11.08% | 13.24% | 17.17% | Beats 35% | 11 / 17 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.76% | 11.08% | 13.24% | 17.17% | Beats 35% | 11 / 17 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.07% | 38.54% | 55.56% | 70.42% | 94th pctl | 1 / 17 | ||
| Loans / Assets | 75.14% | 29.18% | 48.61% | 61.05% | 94th pctl | 1 / 17 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||