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Ewa

Ewa Beach, HI · Charter 1987

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Urban Honolulu, HI area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Urban Honolulu, HI area (n=17). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

88

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

57

Q2 2024Q2 2026peer median (50)

Liquidity

19

Q2 2024Q2 2026peer median

Efficiency

41

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Ewa

Ewa Beach, HI · Charter 1987

NCUA · 1 branch

Q2 2026

$13.1MAssets
$3.2MLoans
$9.9MShares
$3.1MNet 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 0.99%, up 101 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 0.65% of loans (+58 bps YoY).
  • Capital: net worth / assets of 23.87%, up 128 bps from a year ago.
  • Funding: loans stand at 32.15% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.99%+101 bps YoY

Net Interest Margin (YTD, annualized)

4.25%+69 bps YoY

Efficiency Ratio (YTD, annualized)

79.20%-2,119 bps YoY

Net Worth / Assets

23.87%+128 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.02%0.10%0.08%0.84%0.99%+101 bps
Return on Equity-0.07%0.43%0.33%3.62%4.17%+424 bps
Net Interest Margin3.57%3.71%3.64%4.11%4.25%+69 bps
Efficiency Ratio100.39%97.69%98.57%83.64%79.20%-2,119 bps
Growth
Asset Growth (YoY)-4.40%-1.89%-0.60%-1.92%-2.99%+141 bps
Loan Growth (YoY)-13.42%-7.39%-6.78%1.08%3.52%+1,694 bps
Share Growth (YoY)-5.55%-2.51%-1.03%-3.05%-4.66%+89 bps
Asset Quality
Delinquent Loans / Loans0.07%0.02%0.43%0.09%0.65%+58 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 Capital22.59%22.98%23.11%23.25%23.87%+128 bps
Net Worth / Assets22.59%22.98%23.11%23.25%23.87%+128 bps
Liquidity & Funding
Loans / Shares29.61%31.09%30.94%30.38%32.15%+254 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Ewa

Ewa Beach, HI · Charter 1987 · Peer group: credit unions under $1B in assets in the Urban Honolulu, HI area (n=17)

NCUA · 1 branch

Q2 2026

$13.1MAssets
$3.2MLoans
$9.9MShares
$3.1MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 88% of credit unions under $1B in assets in the Urban Honolulu, HI area (rank 2 of 17).
  • Widest gap: return on equity trails 65% of credit unions under $1B in assets in the Urban Honolulu, HI area (rank 11 of 17).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

1.00%

Rank 8 of 17

Net Interest Margin

4.24%

Rank 3 of 17

Efficiency Ratio

79.40%

Rank 11 of 17

Equity / Assets

23.87%

Rank 2 of 17

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.00%0.54%0.99%1.17%Beats 53%8 / 17
Return on Equity4.17%3.19%5.62%8.25%Beats 35%11 / 17
Net Interest Margin4.24%2.71%3.12%3.56%Beats 82%3 / 17
Efficiency Ratio79.40%64.13%74.39%81.42%Beats 41%11 / 17
Asset Quality
Nonperforming Loans / Loans0.66%0.30%0.66%1.43%Beats 53%9 / 17
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio23.87%11.08%13.24%17.17%Beats 88%2 / 17
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets23.87%11.08%13.24%17.17%Beats 88%2 / 17
Liquidity & Funding
Loans / Deposits32.15%38.54%55.56%70.42%12th pctl15 / 17
Loans / Assets24.36%29.18%48.61%61.05%12th pctl15 / 17
Brokered Deposits / Depositsn/aNot reported for this institution