Wailuku, HI · Charter 1866
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 | 0.52% | 0.52% | 0.46% | 0.42% | 0.46% | 0.44% | 0.66% | 0.70% | +29 bps | |
| Return on Equity | 3.60% | 3.55% | 3.26% | 2.94% | 3.32% | 3.18% | 4.71% | 5.03% | +209 bps | |
| Net Interest Margin | 2.53% | 2.50% | 2.42% | 2.48% | 2.52% | 2.54% | 2.73% | 2.74% | +26 bps | |
| Efficiency Ratio | 79.81% | 79.69% | 79.84% | 81.36% | 79.68% | 80.40% | 73.11% | 73.07% | -829 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.25% | 0.74% | 5.41% | 6.29% | 6.17% | 6.02% | 2.54% | 3.96% | -233 bps | |
| Loan Growth (YoY) | 6.73% | 3.86% | 7.20% | 9.50% | 8.94% | 10.57% | 6.33% | 4.71% | -479 bps | |
| Share Growth (YoY) | 3.40% | -0.09% | 5.28% | 6.41% | 6.17% | 6.14% | 2.11% | 3.62% | -279 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.07% | 2.16% | 1.50% | 1.47% | 2.04% | 2.10% | 1.97% | 2.09% | +62 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 | 14.49% | 14.55% | 14.07% | 14.12% | 13.93% | 13.97% | 14.03% | 13.98% | -14 bps | |
| Net Worth / Assets | 14.49% | 14.55% | 14.07% | 14.12% | 13.93% | 13.97% | 14.03% | 13.98% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.36% | 53.25% | 52.53% | 54.29% | 54.76% | 55.47% | 54.70% | 54.86% | +57 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |