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 | |