Waialua
Waialua, HI · Charter 2049 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$47.4MAssets
$18.8MLoans
$39.0MShares
$8.4MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 82% of credit unions under $1B in assets (rank 306 of 1682).
- Widest gap: net interest margin trails 94% of credit unions under $1B in assets (rank 1582 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.70%
Rank 879 of 1,683
Net Interest Margin
2.67%
Rank 1,582 of 1,683
Efficiency Ratio
79.72%
Rank 925 of 1,682
Equity / Assets
17.76%
Rank 340 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.70% | 0.35% | 0.74% | 1.18% | Beats 48% | 879 / 1,683 | | |
| Return on Equity | 3.96% | 2.67% | 5.89% | 8.74% | Beats 35% | 1,097 / 1,681 | | |
| Net Interest Margin | 2.67% | 3.31% | 3.82% | 4.32% | Beats 6% | 1,582 / 1,683 | | |
| Efficiency Ratio | 79.72% | 68.91% | 78.20% | 86.93% | Beats 45% | 925 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.26% | 0.65% | 1.29% | Beats 82% | 306 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.76% | 10.44% | 12.89% | 16.53% | Beats 80% | 340 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.76% | 10.44% | 12.89% | 16.53% | Beats 80% | 340 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 48.15% | 52.61% | 69.38% | 83.50% | 20th pctl | 1,351 / 1,683 | | |
| Loans / Assets | 39.55% | 44.71% | 59.18% | 70.72% | 18th pctl | 1,375 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |