PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hamakua

Pepeekeo, HI · Charter 2280

NCUA · 1 branch

Q2 2026

$23.4MAssets
$9.5MLoans
$19.9MShares
$3.4MNet 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 1.43%, down 43 bps year over year; NIM at 4.11%.
  • Asset quality: problem loans at 0.38% of loans (-285 bps YoY).
  • Capital: net worth / assets of 14.53%, down 165 bps from a year ago.
  • Funding: loans stand at 47.95% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.43%-43 bps YoY

Net Interest Margin (YTD, annualized)

4.11%-62 bps YoY

Efficiency Ratio (YTD, annualized)

74.29%+724 bps YoY

Net Worth / Assets

14.53%-165 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.86%1.41%1.25%2.06%1.43%-43 bps
Return on Equity11.53%9.24%8.25%13.46%9.86%-167 bps
Net Interest Margin4.73%4.55%4.52%4.33%4.11%-62 bps
Efficiency Ratio67.05%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 / Loans3.22%2.97%2.80%0.89%0.38%-285 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 Capital16.18%15.25%15.20%15.30%14.53%-165 bps
Net Worth / Assets16.18%15.25%15.20%15.30%14.53%-165 bps
Liquidity & Funding
Loans / Shares60.40%55.68%53.52%51.28%47.95%-1,246 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps