Kahuku, HI · Charter 2275
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.54% | 0.48% | 0.85% | -2.96% | -4.36% | -282 bps | |
| Return on Equity | -9.90% | 2.95% | 5.33% | -19.93% | -31.07% | -2,118 bps | |
| Net Interest Margin | 6.20% | 6.68% | 6.11% | 5.88% | 5.87% | -33 bps | |
| Efficiency Ratio | 79.12% | 66.83% | 68.71% | 74.25% | 93.01% | +1,388 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.39% | 6.01% | 7.75% | 4.02% | 6.30% | +91 bps | |
| Loan Growth (YoY) | 0.49% | 0.64% | -0.93% | -6.92% | -0.88% | -138 bps | |
| Share Growth (YoY) | 8.13% | 5.86% | 8.39% | 5.10% | 8.15% | +2 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.85% | 8.46% | 10.13% | 8.61% | 9.24% | -62 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.15% | 2.69% | 3.04% | 3.22% | 4.62% | +246 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.54% | 16.15% | 15.98% | 14.83% | 14.03% | -151 bps | |
| Net Worth / Assets | 15.54% | 16.15% | 15.98% | 14.83% | 14.03% | -151 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.08% | 92.91% | 88.15% | 80.23% | 85.31% | -777 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |