Honolulu, HI · Charter 24284
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 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.
Capital
82
Asset Quality
12
Profitability
65
Liquidity
0
Efficiency
100
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.
Honolulu, HI · Charter 24284
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 | 1.34% | 1.54% | -1.53% | 0.82% | 1.32% | 1.48% | 0.69% | 1.32% | +50 bps | |
| Return on Equity | 8.32% | 9.60% | -9.68% | 4.83% | 7.60% | 8.28% | 3.67% | 6.58% | +174 bps | |
| Net Interest Margin | 2.98% | 3.11% | 3.03% | 3.09% | 3.26% | 3.28% | 2.96% | 3.14% | +5 bps | |
| Efficiency Ratio | 45.72% | 42.25% | 50.31% | 48.11% | 43.78% | 42.92% | 50.28% | 45.62% | -249 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.63% | -3.80% | -1.92% | -0.08% | 1.64% | -2.55% | -7.49% | -7.34% | -726 bps | |
| Loan Growth (YoY) | -0.36% | -2.95% | 2.66% | -2.87% | -15.85% | -22.86% | -29.68% | -31.99% | -2,912 bps | |
| Share Growth (YoY) | -10.16% | -5.91% | -3.24% | -1.18% | 0.16% | -4.76% | -10.79% | -10.84% | -967 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.73% | 7.07% | 0.48% | 4.20% | 2.98% | 5.32% | 3.61% | 6.55% | +234 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 | 16.15% | 16.05% | 15.79% | 16.92% | 17.36% | 17.92% | 18.74% | 20.05% | +312 bps | |
| Net Worth / Assets | 16.15% | 16.05% | 15.79% | 16.92% | 17.36% | 17.92% | 18.74% | 20.05% | +312 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 26.08% | 24.95% | 24.38% | 22.96% | 21.91% | 20.21% | 19.21% | 17.51% | -544 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Honolulu, HI · Charter 24284 · Peer group: credit unions under $1B in assets in the Urban Honolulu, HI area (n=17)
NCUA · 1 branch
Q2 2026
Return on Assets
1.28%
Rank 3 of 17
Net Interest Margin
3.17%
Rank 8 of 17
Efficiency Ratio
45.95%
Rank 1 of 17
Equity / Assets
20.07%
Rank 3 of 17
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.28% | 0.54% | 0.99% | 1.17% | Beats 82% | 3 / 17 | ||
| Return on Equity | 6.40% | 3.19% | 5.62% | 8.25% | Beats 59% | 7 / 17 | ||
| Net Interest Margin | 3.17% | 2.71% | 3.12% | 3.56% | Beats 53% | 8 / 17 | ||
| Efficiency Ratio | 45.95% | 64.13% | 74.39% | 81.42% | Beats 100% | 1 / 17 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 6.42% | 0.30% | 0.66% | 1.43% | Beats 12% | 16 / 17 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.07% | 11.08% | 13.24% | 17.17% | Beats 82% | 3 / 17 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.07% | 11.08% | 13.24% | 17.17% | Beats 82% | 3 / 17 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 17.51% | 38.54% | 55.56% | 70.42% | 0th pctl | 17 / 17 | ||
| Loans / Assets | 13.99% | 29.18% | 48.61% | 61.05% | 0th pctl | 17 / 17 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||