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Plumbers & Fitters Local 675

Honolulu, HI · Charter 24284

NCUA · 1 branch

Q2 2026

$2.3MAssets
$327KLoans
$1.9MShares
$469KNet 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 1.32%, up 50 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 6.55% of loans (+234 bps YoY).
  • Capital: net worth / assets of 20.05%, up 312 bps from a year ago.
  • Funding: loans stand at 17.51% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.32%+50 bps YoY

Net Interest Margin (YTD, annualized)

3.14%+5 bps YoY

Efficiency Ratio (YTD, annualized)

45.62%-249 bps YoY

Net Worth / Assets

20.05%+312 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%1.32%1.48%0.69%1.32%+50 bps
Return on Equity4.83%7.60%8.28%3.67%6.58%+174 bps
Net Interest Margin3.09%3.26%3.28%2.96%3.14%+5 bps
Efficiency Ratio48.11%43.78%42.92%50.28%45.62%-249 bps
Growth
Asset Growth (YoY)-0.08%1.64%-2.55%-7.49%-7.34%-726 bps
Loan Growth (YoY)-2.87%-15.85%-22.86%-29.68%-31.99%-2,912 bps
Share Growth (YoY)-1.18%0.16%-4.76%-10.79%-10.84%-967 bps
Asset Quality
Delinquent Loans / Loans4.20%2.98%5.32%3.61%6.55%+234 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 Capital16.92%17.36%17.92%18.74%20.05%+312 bps
Net Worth / Assets16.92%17.36%17.92%18.74%20.05%+312 bps
Liquidity & Funding
Loans / Shares22.96%21.91%20.21%19.21%17.51%-544 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps