PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Waialua

Waialua, HI · Charter 2049

NCUA · 1 branch

Q2 2026

$47.4MAssets
$18.8MLoans
$39.0MShares
$8.4MNet 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 0.70%, up 45 bps year over year; NIM at 2.67%.
  • Asset quality: problem loans at 0.16% of loans (+3 bps YoY).
  • Capital: net worth / assets of 17.76%, up 27 bps from a year ago.
  • Funding: loans stand at 48.15% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.70%+45 bps YoY

Net Interest Margin (YTD, annualized)

2.67%+13 bps YoY

Efficiency Ratio (YTD, annualized)

79.72%-970 bps YoY

Net Worth / Assets

17.76%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.25%0.31%0.34%0.96%0.70%+45 bps
Return on Equity1.45%1.78%1.91%5.44%3.97%+251 bps
Net Interest Margin2.54%2.60%2.64%2.73%2.67%+13 bps
Efficiency Ratio89.42%85.51%85.21%75.50%79.72%-970 bps
Growth
Asset Growth (YoY)-2.92%-1.35%-1.11%1.08%1.66%+458 bps
Loan Growth (YoY)6.79%5.11%0.26%0.74%-2.03%-882 bps
Share Growth (YoY)-2.59%-0.99%-1.96%0.48%1.15%+375 bps
Asset Quality
Delinquent Loans / Loans0.13%0.21%0.14%0.15%0.16%+3 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 Capital17.48%17.37%17.70%17.58%17.76%+27 bps
Net Worth / Assets17.48%17.37%17.70%17.58%17.76%+27 bps
Liquidity & Funding
Loans / Shares49.72%48.59%49.03%48.38%48.15%-157 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps