Waialua, HI · Charter 2049
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.23% | 0.23% | 0.23% | 0.25% | 0.31% | 0.34% | 0.96% | 0.70% | +45 bps | |
| Return on Equity | 1.39% | 1.35% | 1.34% | 1.45% | 1.78% | 1.91% | 5.44% | 3.97% | +251 bps | |
| Net Interest Margin | 2.31% | 2.38% | 2.47% | 2.54% | 2.60% | 2.64% | 2.73% | 2.67% | +13 bps | |
| Efficiency Ratio | 86.67% | 86.91% | 90.93% | 89.42% | 85.51% | 85.21% | 75.50% | 79.72% | -970 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.83% | -4.56% | -4.67% | -2.92% | -1.35% | -1.11% | 1.08% | 1.66% | +458 bps | |
| Loan Growth (YoY) | 5.21% | 4.90% | 5.51% | 6.79% | 5.11% | 0.26% | 0.74% | -2.03% | -882 bps | |
| Share Growth (YoY) | -8.38% | -4.77% | -4.22% | -2.59% | -0.99% | -1.96% | 0.48% | 1.15% | +375 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.35% | 0.59% | 0.13% | 0.21% | 0.14% | 0.15% | 0.16% | +3 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 | 16.85% | 17.17% | 17.25% | 17.48% | 17.37% | 17.70% | 17.58% | 17.76% | +27 bps | |
| Net Worth / Assets | 16.85% | 17.17% | 17.25% | 17.48% | 17.37% | 17.70% | 17.58% | 17.76% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.77% | 47.95% | 48.26% | 49.72% | 48.59% | 49.03% | 48.38% | 48.15% | -157 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |