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Hawaii

Honolulu, HI · Charter 2403

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Urban Honolulu, HI area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Urban Honolulu, HI area (n=17). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

65

Q2 2024Q2 2026peer median (50)

Asset Quality

82

Q2 2024Q2 2026peer median (50)

Profitability

78

Q2 2024Q2 2026peer median (50)

Liquidity

5

Q2 2024Q2 2026peer median

Efficiency

47

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Hawaii

Honolulu, HI · Charter 2403

NCUA · 1 branch

Q2 2026

$104.0MAssets
$70.6MLoans
$86.5MShares
$15.8MNet 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 1.25%, up 32 bps year over year; NIM at 5.15%.
  • Asset quality: problem loans at 0.23% of loans (-6 bps YoY).
  • Capital: net worth / assets of 15.15%, up 208 bps from a year ago.
  • Funding: loans stand at 81.61% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.25%+32 bps YoY

Net Interest Margin (YTD, annualized)

5.15%+77 bps YoY

Efficiency Ratio (YTD, annualized)

74.59%-252 bps YoY

Net Worth / Assets

15.15%+208 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.93%0.95%1.49%1.43%1.25%+32 bps
Return on Equity7.08%7.19%10.24%9.74%8.25%+117 bps
Net Interest Margin4.38%4.44%4.73%5.00%5.15%+77 bps
Efficiency Ratio77.11%78.37%72.88%74.14%74.59%-252 bps
Growth
Asset Growth (YoY)1.65%3.80%-0.96%-3.69%-3.28%-493 bps
Loan Growth (YoY)8.08%7.32%-0.91%-1.79%-3.85%-1,193 bps
Share Growth (YoY)1.30%3.66%-2.82%-5.33%-4.90%-620 bps
Asset Quality
Delinquent Loans / Loans0.28%0.34%0.40%0.24%0.23%-6 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 Capital13.07%13.26%14.50%14.68%15.15%+208 bps
Net Worth / Assets13.07%13.26%14.50%14.68%15.15%+208 bps
Liquidity & Funding
Loans / Shares80.72%80.12%84.14%81.54%81.61%+89 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Hawaii

Honolulu, HI · Charter 2403 · Peer group: credit unions under $1B in assets in the Urban Honolulu, HI area (n=17)

NCUA · 1 branch

Q2 2026

$104.0MAssets
$70.6MLoans
$86.5MShares
$15.8MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 88% of credit unions under $1B in assets in the Urban Honolulu, HI area (rank 2 of 17).
  • Widest gap: efficiency ratio trails 53% of credit unions under $1B in assets in the Urban Honolulu, HI area (rank 10 of 17).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.25%

Rank 4 of 17

Net Interest Margin

5.15%

Rank 2 of 17

Efficiency Ratio

74.59%

Rank 10 of 17

Equity / Assets

15.15%

Rank 6 of 17

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.25%0.54%0.99%1.17%Beats 76%4 / 17
Return on Equity8.25%3.19%5.62%8.25%Beats 71%5 / 17
Net Interest Margin5.15%2.71%3.12%3.56%Beats 88%2 / 17
Efficiency Ratio74.59%64.13%74.39%81.42%Beats 47%10 / 17
Asset Quality
Nonperforming Loans / Loans0.23%0.30%0.66%1.43%Beats 82%4 / 17
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio15.15%11.08%13.24%17.17%Beats 65%6 / 17
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets15.15%11.08%13.24%17.17%Beats 65%6 / 17
Liquidity & Funding
Loans / Deposits81.62%38.54%55.56%70.42%82nd pctl3 / 17
Loans / Assets67.86%29.18%48.61%61.05%82nd pctl3 / 17
Brokered Deposits / Depositsn/aNot reported for this institution