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Letter portraitLegal landscapeQuarterYTD

Maui County

Wailuku, HI · Charter 1866

NCUA · 5 branches

Q2 2026

$487.5MAssets
$228.8MLoans
$417.2MShares
$68.2MNet 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 0.70%, up 29 bps year over year; NIM at 2.74%.
  • Asset quality: problem loans at 2.09% of loans (+62 bps YoY).
  • Capital: net worth / assets of 13.98%, down 14 bps from a year ago.
  • Funding: loans stand at 54.86% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.70%+29 bps YoY

Net Interest Margin (quarter, annualized)

2.74%+26 bps YoY

Efficiency Ratio (quarter, annualized)

73.07%-829 bps YoY

Net Worth / Assets

13.98%-14 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.42%0.46%0.44%0.66%0.70%+29 bps
Return on Equity2.94%3.32%3.18%4.71%5.03%+209 bps
Net Interest Margin2.48%2.52%2.54%2.73%2.74%+26 bps
Efficiency Ratio81.36%79.68%80.40%73.11%73.07%-829 bps
Growth
Asset Growth (YoY)6.29%6.17%6.02%2.54%3.96%-233 bps
Loan Growth (YoY)9.50%8.94%10.57%6.33%4.71%-479 bps
Share Growth (YoY)6.41%6.17%6.14%2.11%3.62%-279 bps
Asset Quality
Delinquent Loans / Loans1.47%2.04%2.10%1.97%2.09%+62 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 Capital14.12%13.93%13.97%14.03%13.98%-14 bps
Net Worth / Assets14.12%13.93%13.97%14.03%13.98%-14 bps
Liquidity & Funding
Loans / Shares54.29%54.76%55.47%54.70%54.86%+57 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps