Honolulu, HI · Charter 1870
NCUA · 4 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 | 0.45% | 0.51% | 0.45% | 0.54% | 0.50% | 0.52% | 0.40% | 0.54% | +1 bps | |
| Return on Equity | 3.28% | 3.75% | 3.44% | 4.04% | 3.84% | 4.06% | 3.12% | 4.13% | +9 bps | |
| Net Interest Margin | 2.88% | 2.86% | 2.70% | 2.73% | 2.67% | 2.66% | 2.71% | 2.78% | +5 bps | |
| Efficiency Ratio | 86.44% | 86.73% | 87.26% | 82.29% | 83.00% | 83.19% | 81.51% | 81.43% | -86 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.91% | 0.89% | 6.11% | 7.76% | 9.17% | 9.04% | 5.89% | 4.67% | -309 bps | |
| Loan Growth (YoY) | -1.90% | -1.89% | -2.01% | -2.99% | -3.08% | -4.38% | -3.38% | -1.51% | +149 bps | |
| Share Growth (YoY) | -0.29% | 0.42% | 5.06% | 7.22% | 9.47% | 8.16% | 5.63% | 4.41% | -281 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.04% | 0.00% | 0.91% | 0.73% | 0.27% | 0.48% | 0.50% | -41 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 | 13.61% | 13.58% | 13.22% | 13.29% | 12.94% | 12.92% | 12.94% | 13.17% | -11 bps | |
| Net Worth / Assets | 13.61% | 13.58% | 13.22% | 13.29% | 12.94% | 12.92% | 12.94% | 13.17% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.78% | 62.67% | 60.07% | 58.90% | 56.47% | 55.40% | 54.94% | 55.56% | -334 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |