PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 (quarter, annualized)

0.99%+101 bps YoY

Net Interest Margin (quarter, annualized)

4.25%+69 bps YoY

Efficiency Ratio (quarter, annualized)

79.20%-2,119 bps YoY

Net Worth / Assets

23.87%+128 bps YoY

Discrete quarter, annualized.

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