Pepeekeo, HI · Charter 2280
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 1.32% | 3.03% | 1.86% | 1.41% | 1.25% | 2.06% | 1.43% | -43 bps | |
| Return on Equity | 7.88% | 8.34% | 19.03% | 11.53% | 9.24% | 8.25% | 13.46% | 9.86% | -167 bps | |
| Net Interest Margin | 4.51% | 4.73% | 4.64% | 4.73% | 4.55% | 4.52% | 4.33% | 4.11% | -62 bps | |
| Efficiency Ratio | 68.67% | 66.42% | 68.97% | 67.05% | 65.66% | 65.58% | 73.19% | 74.29% | +724 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.46% | 1.45% | 6.07% | 5.16% | 9.06% | 13.62% | 11.73% | 20.18% | +1,502 bps | |
| Loan Growth (YoY) | 4.26% | 5.44% | 3.39% | 5.29% | 4.05% | 0.53% | -2.88% | -2.61% | -790 bps | |
| Share Growth (YoY) | 2.51% | -0.24% | 2.42% | 2.93% | 7.73% | 14.49% | 14.78% | 22.70% | +1,977 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.21% | 3.05% | 1.40% | 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 | 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 | 15.10% | 15.86% | 15.93% | 16.18% | 15.25% | 15.20% | 15.30% | 14.53% | -165 bps | |
| Net Worth / Assets | 15.10% | 15.86% | 15.93% | 16.18% | 15.25% | 15.20% | 15.30% | 14.53% | -165 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.65% | 60.95% | 60.60% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |