Honolulu, HI · Charter 1845
NCUA · 12 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 | 0.07% | 0.17% | 0.28% | 0.80% | 0.73% | 0.67% | 0.53% | 0.82% | +3 bps | |
| Return on Equity | 0.71% | 1.71% | 2.86% | 8.08% | 7.29% | 6.90% | 5.54% | 8.37% | +28 bps | |
| Net Interest Margin | 1.96% | 1.94% | 2.10% | 2.14% | 2.24% | 2.20% | 2.29% | 2.32% | +17 bps | |
| Efficiency Ratio | 86.57% | 84.50% | 84.62% | 70.49% | 73.21% | 75.31% | 81.44% | 74.45% | +396 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.25% | 3.42% | 7.94% | 9.08% | 9.52% | 9.82% | 9.34% | 7.64% | -144 bps | |
| Loan Growth (YoY) | -1.19% | -1.90% | -3.62% | -2.79% | -3.36% | -2.91% | -0.62% | 1.85% | +464 bps | |
| Share Growth (YoY) | -0.87% | 3.66% | 7.86% | 8.45% | 9.74% | 7.89% | 7.91% | 7.84% | -61 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.45% | 0.36% | 0.47% | 0.63% | 0.31% | 0.22% | 0.50% | +3 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 | 10.12% | 9.97% | 9.67% | 9.84% | 10.05% | 9.73% | 9.55% | 9.81% | -2 bps | |
| Net Worth / Assets | 10.12% | 9.97% | 9.67% | 9.84% | 10.05% | 9.73% | 9.55% | 9.81% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.74% | 65.20% | 61.19% | 60.20% | 60.53% | 58.67% | 56.35% | 56.86% | -334 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |