Pepeekeo, HI · Charter 2280
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
65
Asset Quality
67
Profitability
77
Liquidity
30
Efficiency
61
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Pepeekeo, HI · Charter 2280
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 | 1.86% | 1.41% | 1.25% | 2.06% | 1.43% | -43 bps | |
| Return on Equity | 11.53% | 9.24% | 8.25% | 13.46% | 9.86% | -167 bps | |
| Net Interest Margin | 4.73% | 4.55% | 4.52% | 4.33% | 4.11% | -62 bps | |
| Efficiency Ratio | 67.05% | 65.66% | 65.58% | 73.19% | 74.29% | +724 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.16% | 9.06% | 13.62% | 11.73% | 20.18% | +1,502 bps | |
| Loan Growth (YoY) | 5.29% | 4.05% | 0.53% | -2.88% | -2.61% | -790 bps | |
| Share Growth (YoY) | 2.93% | 7.73% | 14.49% | 14.78% | 22.70% | +1,977 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.22% | 2.97% | 2.80% | 0.89% | 0.38% | -285 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.18% | 15.25% | 15.20% | 15.30% | 14.53% | -165 bps | |
| Net Worth / Assets | 16.18% | 15.25% | 15.20% | 15.30% | 14.53% | -165 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.40% | 55.68% | 53.52% | 51.28% | 47.95% | -1,246 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pepeekeo, HI · Charter 2280 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.43%
Rank 282 of 1,683
Net Interest Margin
4.10%
Rank 592 of 1,683
Efficiency Ratio
74.30%
Rank 650 of 1,682
Equity / Assets
14.53%
Rank 597 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.43% | 0.35% | 0.74% | 1.18% | Beats 83% | 282 / 1,683 | |
| Return on Equity | 9.83% | 2.67% | 5.89% | 8.74% | Beats 82% | 300 / 1,681 | |
| Net Interest Margin | 4.10% | 3.31% | 3.82% | 4.32% | Beats 65% | 592 / 1,683 | |
| Efficiency Ratio | 74.30% | 68.91% | 78.20% | 86.93% | Beats 61% | 650 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.38% | 0.26% | 0.65% | 1.29% | Beats 67% | 550 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.53% | 10.44% | 12.89% | 16.53% | Beats 65% | 597 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.53% | 10.44% | 12.89% | 16.53% | Beats 65% | 597 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 47.95% | 52.61% | 69.38% | 83.50% | 19th pctl | 1,355 / 1,683 | |
| Loans / Assets | 40.69% | 44.71% | 59.18% | 70.72% | 20th pctl | 1,343 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||