Honolulu, HI · Charter 2403
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 | 0.24% | 0.64% | 0.98% | 0.93% | 0.95% | 1.49% | 1.43% | 1.25% | +32 bps | |
| Return on Equity | 1.92% | 4.96% | 7.79% | 7.08% | 7.19% | 10.24% | 9.74% | 8.25% | +117 bps | |
| Net Interest Margin | 3.77% | 3.76% | 4.16% | 4.38% | 4.44% | 4.73% | 5.00% | 5.15% | +77 bps | |
| Efficiency Ratio | 86.51% | 80.08% | 78.65% | 77.11% | 78.37% | 72.88% | 74.14% | 74.59% | -252 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.01% | 1.20% | 4.16% | 1.65% | 3.80% | -0.96% | -3.69% | -3.28% | -493 bps | |
| Loan Growth (YoY) | 2.89% | 8.53% | 7.66% | 8.08% | 7.32% | -0.91% | -1.79% | -3.85% | -1,193 bps | |
| Share Growth (YoY) | 0.50% | 2.24% | 4.20% | 1.30% | 3.66% | -2.82% | -5.33% | -4.90% | -620 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.43% | 0.19% | 0.28% | 0.34% | 0.40% | 0.24% | 0.23% | -6 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 | 12.56% | 12.89% | 12.63% | 13.07% | 13.26% | 14.50% | 14.68% | 15.15% | +208 bps | |
| Net Worth / Assets | 12.56% | 12.89% | 12.63% | 13.07% | 13.26% | 14.50% | 14.68% | 15.15% | +208 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.39% | 82.52% | 78.61% | 80.72% | 80.12% | 84.14% | 81.54% | 81.61% | +89 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |