PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Aloha Pacific

Honolulu, HI · Charter 1845

NCUA · 12 branches

Q2 2026

$1.5BAssets
$759.5MLoans
$1.3BShares
$150.3MNet 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 0.82%, up 3 bps year over year; NIM at 2.32%.
  • Asset quality: problem loans at 0.50% of loans (+3 bps YoY).
  • Capital: net worth / assets of 9.81%, down 2 bps from a year ago.
  • Funding: loans stand at 56.86% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.82%+3 bps YoY

Net Interest Margin (quarter, annualized)

2.32%+17 bps YoY

Efficiency Ratio (quarter, annualized)

74.45%+396 bps YoY

Net Worth / Assets

9.81%-2 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.80%0.73%0.67%0.53%0.82%+3 bps
Return on Equity8.08%7.29%6.90%5.54%8.37%+28 bps
Net Interest Margin2.14%2.24%2.20%2.29%2.32%+17 bps
Efficiency Ratio70.49%73.21%75.31%81.44%74.45%+396 bps
Growth
Asset Growth (YoY)9.08%9.52%9.82%9.34%7.64%-144 bps
Loan Growth (YoY)-2.79%-3.36%-2.91%-0.62%1.85%+464 bps
Share Growth (YoY)8.45%9.74%7.89%7.91%7.84%-61 bps
Asset Quality
Delinquent Loans / Loans0.47%0.63%0.31%0.22%0.50%+3 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 Capital9.84%10.05%9.73%9.55%9.81%-2 bps
Net Worth / Assets9.84%10.05%9.73%9.55%9.81%-2 bps
Liquidity & Funding
Loans / Shares60.20%60.53%58.67%56.35%56.86%-334 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps