Kahuku, HI · Charter 2275
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 | -0.03% | 0.90% | 0.85% | -1.54% | 0.48% | 0.85% | -2.96% | -4.36% | -282 bps | |
| Return on Equity | -0.19% | 5.52% | 5.47% | -9.90% | 2.95% | 5.33% | -19.93% | -31.07% | -2,118 bps | |
| Net Interest Margin | 6.44% | 6.44% | 6.03% | 6.20% | 6.68% | 6.11% | 5.88% | 5.87% | -33 bps | |
| Efficiency Ratio | 68.77% | 68.51% | 79.93% | 79.12% | 66.83% | 68.71% | 74.25% | 93.01% | +1,388 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.81% | 5.48% | 10.91% | 5.39% | 6.01% | 7.75% | 4.02% | 6.30% | +91 bps | |
| Loan Growth (YoY) | 9.97% | 8.32% | 6.49% | 0.49% | 0.64% | -0.93% | -6.92% | -0.88% | -138 bps | |
| Share Growth (YoY) | 4.35% | 6.02% | 12.63% | 8.13% | 5.86% | 8.39% | 5.10% | 8.15% | +2 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.83% | 2.98% | 8.18% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.87% | 2.41% | 2.20% | 2.15% | 2.69% | 3.04% | 3.22% | 4.62% | +246 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.74% | 16.24% | 15.54% | 15.54% | 16.15% | 15.98% | 14.83% | 14.03% | -151 bps | |
| Net Worth / Assets | 15.74% | 16.24% | 15.54% | 15.54% | 16.15% | 15.98% | 14.83% | 14.03% | -151 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.74% | 96.45% | 90.59% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |