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Letter portraitLegal landscapeQuarterYTD

Honolulu Fire Department

Honolulu, HI · Charter 1880

NCUA · 1 branch

Q2 2026

$84.5MAssets
$51.6MLoans
$73.2MShares
$9.8MNet 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 0.65%, up 17 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 0.99% of loans (+23 bps YoY).
  • Capital: net worth / assets of 11.63%, up 114 bps from a year ago.
  • Funding: loans stand at 70.42% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.65%+17 bps YoY

Net Interest Margin (YTD, annualized)

4.05%+73 bps YoY

Efficiency Ratio (YTD, annualized)

74.39%-50 bps YoY

Net Worth / Assets

11.63%+114 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.48%0.54%0.58%0.61%0.65%+17 bps
Return on Equity4.61%5.13%5.34%5.43%5.61%+100 bps
Net Interest Margin3.32%3.47%3.57%3.97%4.05%+73 bps
Efficiency Ratio74.89%74.73%75.07%74.23%74.39%-50 bps
Growth
Asset Growth (YoY)-3.38%-0.02%-0.63%-4.88%-5.19%-181 bps
Loan Growth (YoY)-6.60%-6.16%-3.60%-6.12%-9.54%-294 bps
Share Growth (YoY)-0.54%-0.58%-1.58%-6.41%-6.94%-640 bps
Asset Quality
Delinquent Loans / Loans0.76%0.62%0.78%0.67%0.99%+23 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 Capital10.49%10.60%10.86%11.31%11.63%+114 bps
Net Worth / Assets10.49%10.60%10.86%11.31%11.63%+114 bps
Liquidity & Funding
Loans / Shares72.44%72.19%72.73%72.05%70.42%-202 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps