Ewa Beach, HI · Charter 1987
NCUA · 1 branch
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 | 0.44% | 0.27% | -0.27% | -0.02% | 0.10% | 0.08% | 0.84% | 0.99% | +101 bps | |
| Return on Equity | 1.97% | 1.16% | -1.22% | -0.07% | 0.43% | 0.33% | 3.62% | 4.17% | +424 bps | |
| Net Interest Margin | 3.30% | 3.38% | 3.43% | 3.57% | 3.71% | 3.64% | 4.11% | 4.25% | +69 bps | |
| Efficiency Ratio | 86.81% | 91.99% | 106.82% | 100.39% | 97.69% | 98.57% | 83.64% | 79.20% | -2,119 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.86% | -7.32% | -4.56% | -4.40% | -1.89% | -0.60% | -1.92% | -2.99% | +141 bps | |
| Loan Growth (YoY) | -9.67% | -12.31% | -13.49% | -13.42% | -7.39% | -6.78% | 1.08% | 3.52% | +1,694 bps | |
| Share Growth (YoY) | -7.87% | -9.73% | -5.94% | -5.55% | -2.51% | -1.03% | -3.05% | -4.66% | +89 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.64% | 2.93% | 0.10% | 0.07% | 0.02% | 0.43% | 0.09% | 0.65% | +58 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 | 22.54% | 22.89% | 22.46% | 22.59% | 22.98% | 23.11% | 23.25% | 23.87% | +128 bps | |
| Net Worth / Assets | 22.54% | 22.89% | 22.46% | 22.59% | 22.98% | 23.11% | 23.25% | 23.87% | +128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.73% | 32.85% | 29.14% | 29.61% | 31.09% | 30.94% | 30.38% | 32.15% | +254 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |