PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hawaii Law Enforcement

Honolulu, HI · Charter 1870

NCUA · 4 branches

Q2 2026

$230.3MAssets
$112.0MLoans
$201.5MShares
$30.3MNet 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 0.54%, up 1 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.50% of loans (-41 bps YoY).
  • Capital: net worth / assets of 13.17%, down 11 bps from a year ago.
  • Funding: loans stand at 55.56% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.54%+1 bps YoY

Net Interest Margin (YTD, annualized)

2.78%+5 bps YoY

Efficiency Ratio (YTD, annualized)

81.43%-86 bps YoY

Net Worth / Assets

13.17%-11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.50%0.52%0.40%0.54%+1 bps
Return on Equity4.04%3.84%4.06%3.12%4.13%+9 bps
Net Interest Margin2.73%2.67%2.66%2.71%2.78%+5 bps
Efficiency Ratio82.29%83.00%83.19%81.51%81.43%-86 bps
Growth
Asset Growth (YoY)7.76%9.17%9.04%5.89%4.67%-309 bps
Loan Growth (YoY)-2.99%-3.08%-4.38%-3.38%-1.51%+149 bps
Share Growth (YoY)7.22%9.47%8.16%5.63%4.41%-281 bps
Asset Quality
Delinquent Loans / Loans0.91%0.73%0.27%0.48%0.50%-41 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 Capital13.29%12.94%12.92%12.94%13.17%-11 bps
Net Worth / Assets13.29%12.94%12.92%12.94%13.17%-11 bps
Liquidity & Funding
Loans / Shares58.90%56.47%55.40%54.94%55.56%-334 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps